Kwa nthawi yayitali, matenda amtima ndi amodzi mwa omwe amafa kwambiri padziko lonse lapansi. Malinga ndi Indian Council of Medical Research, sitiroko inali yachinayi chifukwa cha imfa komanso chifukwa chachisanu chomwe chimayambitsa DALY (Disability Adjusted Life Years) ku India mu 2016. Stroke, khansara, khungu lathunthu, matenda a Parkinson, matenda a chiwindi, matenda a myocardial infarction (omwe amadziwikanso kuti a matenda a mtima), mitsempha yodutsa mtsempha wamagazi, ndi zina zotero, zonse zimagwera pa mndandanda wa matenda oopsa.
Poyang'anizana ndi chowonadi chomvetsa chisoni chotero, kugula ndondomeko ya matenda oopsa zimakhala bwino kwambiri. Tiyeni tipeze njira zisanu zomwe chivundikiro cha matenda oopsa chingakutetezereni inu ndi banja lanu thanzi ndi ndalama pazadzidzidzi.
1. Thandizo lazachuma ndi Kufunika Kwambiri
Tsoka ilo, ngati mutenga matenda oopsa, ndizotheka kuti mtengo wamankhwala anu upitilira bajeti yanu. Ndipo inshuwaransi yanu yaumoyo ikhoza kulephera kukupatsani chithandizo chokwanira. Komanso, inshuwaransi zambiri zaumoyo sizipereka chithandizo pazovuta zazikulu monga kulephera kwa impso kapena chiwindi. Ndipamene kukhala ndi dongosolo la matenda oopsa kumabwera ngati chithandizo. Kuphimba matenda oika moyo pachiswe kumatsimikizira kuti palibe cholemetsa chandalama pa inu ndi banja lanu.
Komanso, chithandizo chazovuta kwambiri chimaphatikizapo ndalama zambiri zachipatala ndi zomwe sizinali zachipatala, monga kukaonana ndi dokotala nthawi zonse, mankhwala, chithandizo, ndi zina zotero. zoperekedwa ndi Care Health Insurance. Inshuwaransi yofunikira kwambiri ya Care Health Inshuwalansi imakupatsirani matenda 32 ovuta komanso matenda. Tikambirana zambiri za phindu lawo pamalamulo kumapeto kwa nkhaniyi.
2. Phindu la Misonkho Pansi pa Gawo 80D
Mutha kuyitanitsa ndalama zomwe mumalipira potsata dongosolo lanu la matenda ovuta polemba msonkho wa ndalama. Ndondomeko ya inshuwaransi yaumwini, mwamuna kapena mkazi, ndi ana omwe amadalira amapereka msonkho wofikira Rs.25,000 pansi pa Gawo 80D. Komanso, ndinu oyenera kuchotsedwa pamalipiro omwe amalipidwa m'malo mwa makolo anu.
Ngati makolo anu ali ochepera zaka 60, denga lapamwamba la phindu la msonkho ndi INR 25,000, pomwe malire a makolo opitilira zaka 60 ndi INR 75,000. Gawo labwino kwambiri ndilakuti ngati muli ndi zaka zopitilira 60 ndipo muli ndi udindo wolipira makolo anu, mutha kusangalala ndi mapindu amisonkho pakuchotsa kokwanira INR 1 lakh.
3. Zosunga Zosungitsa Zazachuma
Zikachitika mwatsoka kuti munthu akulimbana ndi matenda oopsa kwa moyo wake wonse, amatha kutaya mphamvu zake zopitiliza kugwira ntchito ndikupeza ndalama. Izi zikutanthauza kuti ali ndi chiwopsezo chotaya ndalama zomwe amapeza zomwe zimabweretsa mavuto azachuma kwanthawi yayitali.
Apa ndi pamene chithandizo chandalama pansi pa dongosolo la matenda oopsa chimabwera ngati dalitso. Wogwiritsa ntchitoyo ali ndi mwayi wogwiritsa ntchito ndalama zomwe adalandira momwe angafunire, ndipo izi zitha kukhala zopindulitsa m'malo mwa ndalama zomwe zatayika ndikukwaniritsa zofunikira zachuma.
4. Malo a Lingaliro Lachiwiri
Chithandizo cha matenda oopsa chikhoza kukhala chochuluka komanso chokwanira. Zingakhudze munthu pamagulu onse - mwakuthupi, m'maganizo, ndi m'maganizo. Zikatero, muyenera kuonetsetsa kuti malangizo operekedwa ndi anu dokotala nzabwino kwa inu. Dongosolo la matenda owopsa kuchokera kwa ma inshuwaransi odziwika bwino limakhudza njira zina zochiritsira, chemotherapy, ndi radiotherapy ndikupereka phindu lachidziwitso chachiwiri chapadziko lonse lapansi. Pansi pa Inshuwaransi ya Inshuwaransi ya Inshuwaransi yovuta kwambiri ya inshuwaransi, ngati simukukhutira ndi zomwe muli nazo panopa kapena kukaonana ndi chithandizo chamankhwala, mutha kupeza lingaliro lachiwiri kuchokera kulikonse ku India.
5. Kutsata Zaumoyo Wanthawi Zonse ndi Mayeso a Chaka ndi Chaka
Phindu lina lofunika kwambiri la dongosolo la matenda oopsa ndi malo oyezera zaumoyo pachaka. Kuti mukhale ndi thanzi labwino, kuyezetsa magazi pafupipafupi kwapachaka kumatsimikizira kuti matenda oopsa apezeka msanga chifukwa kupewa ndikwabwino kuposa kuchiza.
Tsopano popeza mukudziwa zoyambira za dongosolo la matenda oopsa, muyenera kuganizira zogulira nokha ndi banja lanu kuti mukhale ndi tsogolo lotetezeka. Ngati simukudziwa kuti ndi inshuwaransi iti yomwe mungasankhe, tikupangira kuti mufufuze Inshuwaransi ya Care Health. M'modzi mwama inshuwaransi yazaumoyo, Care Health Inshuwalansi, imapereka mapulani abwino kwambiri okhala ndi kufalikira, kuphatikiza matenda 32 ovuta, ndalama za OPD, chithandizo chamankhwala china, bonasi osabweza, ndi zina zambiri. Chifukwa chake, onetsetsani kuti mwasankha chivundikiro choyenera chaumoyo kuti mutetezere thanzi lanu ku matenda omwe sanachitikepo.
ZOMWE MUNGACHITE PA NKHANIYI:
- Now that you are aware of the basics of a critical illness plan, you should consider buying one for yourself and your family for a secured future.
- The policyholder is eligible to use the coverage amount received the way they deem fit, and this can be a benefit to replace the lost income and meet financial obligations.
- Under Care Health Insurance’s critical illness insurance coverage, if you are not satisfied with your current diagnosis or treatment consultation, you can avail of a second opinion from anywhere in India.
