20 Jul 2017

Asuransi Kesehatan Terbaik Dan Murah

Asuransi Kesehatan Terbaik Dan Murah Inshuwaransi ya inshuwalansi ndi inshuwalansi yomwe imakhudza zonse kapena chiopsezo cha munthu kutenga ndalama zowonjezera, kufalitsa chiopsezo pa anthu ambiri. Poyesa kuwonetsa chiopsezo cha chithandizo cha zaumoyo ndi zaumoyo pazomwe zimapangidwira pangozi, inshuwalansi ikhoza kukhazikitsa ndondomeko ya ndalama nthawi zonse, monga msonkho wamwezi uliwonse kapena msonkho wa malipiro, kupereka ndalama kuti zilipire chithandizo chaumoyo chomwe chili mu inshuwalansi Mgwirizano. Phindu limaperekedwa ndi bungwe lapakati monga bungwe la boma, bizinesi yachinsinsi, kapena bungwe lopanda phindu. Malingana ndi a Health Insurance Association of America, inshuwalansi ya umoyo imatanthauzidwa kuti "kufotokozera komwe kumapereka malipiro opindula chifukwa cha matenda kapena kuvulala. Kumaphatikizapo inshuwalansi chifukwa cha imfa, ngozi, matenda, (P. 225). Inshuwalansi yaumoyo ndi mgwirizano pakati pa inshuwalansi (mwachitsanzo kampani ya inshuwalansi kapena boma) ndi munthu kapena wogulitsa (mwachitsanzo, bwana kapena gulu la anthu). Chigwirizanocho chikhoza kupitsidwanso (mwachitsanzo chaka ndi chaka, mwezi uliwonse) kapena moyo wonse pa inshuwalansi yaumwini, kapena kukhala woyenera kwa nzika zonse pokhazikitsa ndondomeko za dziko.

Mtengo ndi kuchuluka kwa ndalama za chithandizo chaumoyo zomwe zidzakonzedwe ndi inshuwalansi ya umoyo waumphawi zanenedwa mwalemba, mu mgwirizano wa membala kapena kabuku kakuti "Umboni Wophatikiza" kabuku ka inshuwalansi yapadera, kapena mu ndondomeko ya thanzi ladziko la inshuwaransi ya anthu. Ndondomeko ya inshuwalansi ya umoyo ndi (US yapadera) yoperekedwa ndi ndondomeko ya ERISA yomwe imathandizidwa ndi abwana. Kampaniyo imalengeza kuti ili ndi makampani akuluakulu a inshuwalansi. Komabe, mu vuto la ERISA, kampani ya inshuwalansi "sichichita nawo inshuwalansi", imangoigwiritsa ntchito basi. Choncho, ERISA akukonzekera kuti asamvere malamulo a boma. ERISA ndondomeko imayang'aniridwa ndi malamulo a federal pansi pa ulamuliro wa US Department of Labor (USDOL). Zomwe zimapindulitsa kapena ndondomeko zowunikira zimapezeka mu Summary Plan Description (SPD). Chopempha chiyenera kudutsa mu kampani ya inshuwalansi, kenako kwa Employer's Plan Fiduciary. Ngati mukufunabe, lingaliro la Fiduciary likhoza kubweretsedwa ku USDOL kuti liwonekere kwa ERISA kutsata, ndiyeno perekani milandu ku khothi la federal. Asuransi Kesehatan Terbaik Dan Murah

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