Twese dukora cyane mu buzima bwacu bwose kugira ngo twirire kandi twambare neza, twigishe abana bacu, kandi tuzigamire ejo hazaza, si byo se? Ariko mu gihe turimo kuzigama aya mafaranga, ese twigeze dutekereza niba turimo kwitegura indwara ziterwa n'izabukuru? Tekereza, niba ugize indwara ikomeye mu buryo butunguranye, amafaranga yose wizigamiye ashobora gukurwaho mu munsi umwe. Mu bihe nk'ibi bitunguranye, ubwishingizi bw'ubuzima ni ikintu kizagufasha utiriwe ushyiraho umutwaro uremereye ku mufuka wawe.
Mu magambo make, ubwishingizi bw'ubuzima ni iki?
Iki ni igitekerezo cyoroshye cyane. Tekereza nk'umuryango w'ababuze ababo mu mudugudu. Twese duhurira hamwe tugakusanya amafaranga make. Iyo umuntu agize ikibazo, dukoresha amafaranga dukusanya kugira ngo tumufashe. Ubwishingizi bw'ubuzima ni bumwe.
Wishyura amafaranga make ku kigo cy’ubwishingizi buri kwezi cyangwa buri mwaka. Tubyita "premium" . Mu gusubiza, niba urwaye ukagomba kujya mu bitaro, ikigo cy’ubwishingizi kizakwishyurira amafaranga - ni ukuvuga amafaranga y’abaganga, imiti, ibizamini, amafaranga y’icyumba, nibindi. Ibi byitwa ikirego .
Mu magambo make, ubwishingizi bw'ubuzima ni nko kuzigama amafaranga make uyu munsi kugira ngo ukoreshe fagitire nini y'ibitaro ishobora kuza mu gihe kizaza.
Ese ibi ni ingenzi kuri twe muri Sri Lanka?
Hari abashobora gutekereza bati “Mu gihe ibitaro bya leta ari ubuntu mu gihugu cyacu, kuki twishyura ubwishingizi?” Yego, ubuvuzi ku buntu mu gihugu cyacu ni umwe mu migisha ikomeye tubona. Nta mpaka kuri ibyo. Ariko, twese tuzi iby’ubucucike mu bitaro bya leta, rimwe na rimwe imirongo miremire yo kubagwa, ndetse n’uko imiti cyangwa ibizamini bihenze bigomba gukorerwa hanze.
Ku rundi ruhande, niba ushaka kuvurirwa mu bitaro byigenga, ushobora kuba uzi uburyo bihenze. Tekereza uramutse ukeneye amafaranga angana na miliyoni yo kubagwa byihutirwa, kuvurwa kanseri, cyangwa guterwa impyiko? Muri icyo gihe, kugira ubwishingizi bwiza bw'ubuzima bizaguha amahirwe yo kubona ubuvuzi bwiza utitaye kuri ayo mafaranga. Cyane cyane nyuma yo kujya mu kiruhuko cy'izabukuru, iyo udafite amafaranga ahoraho, ikintu nk'iki ni ubufasha bukomeye.
Ni nde ushobora kubona ubwishingizi bw'ubuzima?
Mu by’ukuri, umuntu wese ashobora kubona ubwishingizi bw’ubuzima. Ariko ikintu cy’ingenzi ugomba kwibuka ni imyaka yawe n’uko ubuzima bwawe bumeze igihe uhabwa ubwishingizi .
- Ukiri muto kandi ufite ubuzima bwiza: Iyo uguze ubwishingizi ukiri muto kandi udafite indwara zikomeye, amafaranga y'ubwishingizi uzajya wishyura azaba make cyane. Uzashobora kandi kubona ubwishingizi nta kibazo.
- Abageze mu zabukuru n'abageze mu zabukuru:Ushobora kugura ubwishingizi uko ugenda ukura, ariko amafaranga y'ubwishingizi ashobora kuba menshi gato. Hari ibigo byashyizeho gahunda z'ubwishingizi by'umwihariko ku bageze mu zabukuru.
- Abantu bafite indwara zisanzweho: Niba ufite indwara zisanzweho nka diyabete cyangwa umuvuduko ukabije w'amaraso, amwe mu masosiyete y'ubwishingizi azakwemera. Ariko, ushobora kuba udafite ubwishingizi mu myaka mike ya mbere, cyangwa amafaranga y'ubwishingizi ashobora kuba menshi. Ikintu cy'ingenzi ni ukuba inyangamugayo ku bijyanye n'ubuzima bwawe mu gihe usaba ubwishingizi.
Ni gute wahitamo ubwishingizi bwiza? Witondere ibi bintu!
Muri Sri Lanka hari ibigo byinshi by’ubwishingizi bw’ubuzima. Mbere yo guhitamo kimwe, ni ngombwa cyane gukora ubushakashatsi bwitonze kuri ibi bintu.
| Ibintu ugomba kumenya | Ibisobanuro byoroshye |
|---|---|
| Amafaranga atangwa | Ni angahe mafaranga ntarengwa ikigo cy'ubwishingizi kizaguha uramutse urwaye? (urugero: ibihumbi 5, 10, 20 ku mwaka?) |
| Iy'ibanze | Amafaranga ugomba kwishyura buri kwezi cyangwa umwaka kugira ngo ubone ubwo bwishingizi. |
| Ibitaro bya Network | Ni mu bitaro byigenga ibihe ushobora kuvurirwamo? Hari gahunda z'ubwishingizi zishyura fagitire mu bitaro (zidafite amafaranga). |
| Indwara zitwikiriwe | Ni ubuhe bwoko bw'indwara zishyurwa? Menya neza ko ugenzura ibitajyanye n'izi ndwara. |
| Imyaka ntarengwa | Imyaka ntarengwa yo kwiyandikisha mu bwishingizi ni iyihe? Nanone, ni iyihe myaka ntarengwa yo kuvugurura ubwishingizi? |
| 'Nta nyongeramusaruro' | Niba udatanze ikirego mu gihe cy'umwaka, ese amafaranga y'ubwishingizi aziyongera mu mwaka ukurikira cyangwa amafaranga y'ubwishingizi azagabanuka? |
Bigenda bite iyo natinze kubona ubwishingizi?
Iri ni ikosa benshi muri twe dukora. Gutinza, ukavuga uti "Oh... reka dutegereze gato." Ariko ku bijyanye n'ubwishingizi bw'ubuzima, gusubika bitera igihombo.
1. Amafaranga yishyurwa yiyongera: Uko ugenda ukura, amafaranga yishyurwa n'ibigo by'ubwishingizi nayo ariyongera bitewe n'uko ibyago byo kurwara indwara byiyongera.
2. Ubwishingizi bw'indwara ni buke: Iyo ugiye gushaka ubwishingizi nyuma yo kurwara indwara nshya (urugero: diyabete) uko ugenda usaza, ushobora kutagira ubwishingizi bw'iyo ndwara cyangwa ubwishingizi bushobora kwangwa.
3. Igihe cyo Gutegereza: Hari ubwishingizi bumwe na bumwe budatanga serivisi mu mezi make cyangwa imyaka mike ya mbere nyuma yo gutangira ubwishingizi. Iki gihe gishobora kuba ikibazo niba utangiye ubwishingizi utinze kandi ukagira ikibazo cyihutirwa.
Bityo rero, ikintu cyiza cyo gukora ni ugutangira ubwishingizi ukiri muto kandi ufite ubuzima bwiza, ukishyura amafaranga make. Ni cyo gishoro kinini ushobora gushora mu buzima bwawe bw'ejo hazaza.
Tekereza kandi ku bwishingizi butangwa n'akazi kawe.
Ibigo byinshi byigenga bitanga ubwishingizi bw'amatsinda ku bakozi babyo. Ibyo ni ibintu byiza cyane. Ariko ibuka ko ubwishingizi bukunze kurangira iyo ugiye mu kiruhuko cy'izabukuru cyangwa uvuye mu kigo . Nanone, hari gahunda z'ubwishingizi ku bakozi ba leta nka 'Agrahara'. Baza ikigo cyawe kuri ibi. Ariko ni byiza gutekereza ku kiruhuko cy'izabukuru no kugira ubwishingizi bwawe bwite hamwe n'ibi.
Niba ufite ibindi bibazo kuri ibi, vugana n'umujyanama w'ubwishingizi wizeye. Ariko, niba ufite impungenge z'uburwayi ku bijyanye no kubona ubwishingizi bitewe n'uburwayi bwawe, ni byiza kubivuganaho na muganga w'umuryango wawe.
Ubutumwa bwo kujyana mu rugo
- Ubwishingizi bw'ubuzima si ikiguzi, ahubwo ni ishoramari mu gihe kizaza. Bushobora kurinda amafaranga wizigamiye mu gihe habaye ikibazo cyihutirwa.
- Tangira ubwishingizi ukiri muto kandi ufite ubuzima bwiza. Muri ubwo buryo, ushobora kubona inyungu nyinshi ku giciro gito.
- Mbere yo guhitamo ubwishingizi, shaka amakuru arambuye ku bigo bitandukanye hanyuma ugereranye amafaranga yishyurwa, amafaranga yishyurwa, indwara zishyurwa, n'ibitaro.
- Ntugahishe ikintu icyo ari cyo cyose kijyanye n'ubuzima bwawe mu gihe wuzuza fomu y'ubwishingizi. Kuba inyangamugayo kuri buri kintu cyose bishobora gufasha gukumira ibibazo mu gihe utanga ikirego mu gihe kizaza.
- Nubwo waba ubona ubwishingizi binyuze mu kazi kawe, birakwiye gutekereza ku bwishingizi bwite bwo mu kiruhuko cy'izabukuru.
- Vugana na muganga wawe ku bibazo byose by'uburwayi.
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