Ngaba Uyayifuna I-inshorensi?
KWAMANYE amazwe zimbi ii-inshorensi zisisinyanzelo. Kwamanye ke uninzi lwazo alukho. Ngaphezu koko, intlawulo yeinshorensi neengenelo zayo zahluka kakhulu ngokwamazwe ngamazwe. Kodwa umgaqo osisiseko weinshorensi—ukuncedisana nabantu ngexesha lentlekele—usafana wona.
Ngokuqhelekileyo, okukhona umntu esiba nezinto ezininzi, kokukhona eya kulahlekelwa kakhulu. Ngokufanayo, okukhona umntu esiba neembopheleleko ezingakumbi zentsapho, kokukhona kusiba nzima xa esifa okanye engakwazi ukuzenzela nto. Ukuba neinshorensi kunokunciphisa ukuxhalabela kwakho ukulahlekelwa zizinto zakho okanye yingozi enokukubetha ungakwazi kuzenzela nto.
Kodwa ngaba kububulumko ukuchitha imali kwi-inshorensi nangona usenokungaze ufune imali kuyo? Phofu, ngaba ukugcina elinye itayara kwinqwelo-mafutha yakho kukudlala ngemali enoba akusayi kulisebenzisa elo tayara? Ukuba nemvo yokhuseleko komqhubi wenqwelo-mafutha kumenza akubone kuyimfuneko ukuba nelinye itayara. Ngoxa imali eyimbuyiselo ingenakuzihlawulela ezinye iilahleko, isenokuzihlawulela ezinye.
Ziziphi iindidi zelahleko ezinokuhlawulelwa yi-inshorensi?
Iindidi Zeinshorensi
Uninzi lweinshorensi ehlawulelwa ngabantu yeyeempahla, eyawo nawuphi na umonakalo, eyempilo, eyaxa ungenakuzenzela nto neyobomi.
I-inshorensi Yeempahla: Ukufuna i-inshorensi yelahleko yempahla—indlu, ishishini, inqwelo-mafutha, okanye ezinye izinto—kuphakathi kwezona ndlela ziqhelekileyo zokulumkela ingozi. Olu luhlobo lweinshorensi uJohn, okhankanywe kwinqaku elandulelayo, awagqiba ekubeni angaluhlawuleli kumzi-mveliso wakhe wokuchwela nezixhobo.
Zimbi ii-inshorensi zekhaya ziquka ukuhlawulelwa kwezinto ezingaphakathi endlwini. Ukuba uhlawulela olu hlobo, kuya kuba bubulumko ukwenza uludwe lwezinto zendlu yakho ezibhaliswe kwi-inshorensi, ukuba kunokwenzeka ube nemifanekiso yazo okanye uzifote ngevidiyo. Olu ludwe kwakunye naluphi na uxwebhu olubonisa ixabiso okanye irisithi yokuthengwa kwezi zinto zifanele zigcinwe kwindawo ekhuselekileyo engekho apho endlwini yakho. Ukuba nezi ngxelo kunokukwenza kube lula ukufaka isicelo sokuba i-inshorensi ihlawulele ilahleko yakho.
I-inshorensi yawo nawuphi na umonakalo: Nabani na oqhuba inqwelo-mafutha, onendlu okanye esinye nje isakhiwo, oneshishini, okanye oqeshe abanye abantu, usecicini lokuba ehlelwe yiyo nayiphi na ingozi. Yaye loo ngozi isenokukhokelela ekonakaleni kweempahla okanye ekwenzakaleni okanye ekufeni komnye umntu. Umqhubi wenqwelo-mafutha okanye umnini wendawo okanye ishishini kusenokufuneka ahlawulele ukulungiswa kwaloo ndawo okanye unyango lwezamayeza okanye intlungu nokubandezeleka kwabanye. Kumazwe amaninzi abaqeshi nabaqhubi ngokusemthethweni bamele babe neinshorensi yawo nawuphi umonakalo ukuze bakwazi ukuhlawulela ezi ndleko. Kwanalapho i-inshorensi inganyanzeliswa ngumthetho, umqhubi, umnini wendawo, okanye umqeshi usenokuba nembopheleleko yasemthethweni yokunceda amaxhoba engozi okanye iintsapho zawo.
I-inshorensi yempilo: Amazwe amaninzi anohlobo oluthile lweinshorensi exhaswa ngurhulumente enika abasele bekhulile imali yomhlala-phantsi nonyango lwezamayeza. Noko ke, kwanakumazwe anjalo, loo inshorensi inokuhlawulela inxalenye yeendleko zezonyango okanye inokuhlawulela ezithile kuzo. Ngoko ke, abanye abantu baye bafune i-inshorensi esecaleni ukuze bahlawulele inxalenye eseleyo. Kwiindawo ezininzi abasebenzi basenokufumana i-inshorensi yempilo njengenye yeengenelo zokuqeshwa kwabo.
Ezinye ii-inshorensi zempilo, eziquka amalungiselelo onyango nemibutho yokunyamekela impilo (HMO’s [health maintenance organizations]), zinikela unyango olubanzi ngentlawulo eqingqiweyo yenyanga okanye eyonyaka. Le mibutho izama ukunciphisa iindleko ngokunikela unyango olungabizi mali ininzi nangokukhuthaza unyango lokuzikhusela. Noko ke, kwimibutho yokunyamekela impilo, badla ngokuba mbalwa oogqirha onokukhetha kubo kuneinshorensi yempilo eqhelekileyo.
I-inshorensi yabangenakuzenzela nto neyobomi: I-inshorensi yabangenakuzenzela nto ikhupha ingeniso xa umntu enzakele okanye engenakukwazi ukusebenza. I-inshorensi yobomi inikela uncedo ngemali kubantu abaxhomekeke kuwe xa usifa. Le inshorensi iye yanceda iintsapho ezininzi ukuba zihlawule amatyala ajingayo zize ziqhubeke nobomi bazo emva kokwenzakala okanye ukufa kwabantu abebezixhasa.
Ukufumana I-inshorensi Enokuthenjwa
I-inshorensi isekelwe kumgaqo wokuhlawula imali ngoku ukuze uzikhusele kwikamva, ngoko akumangalisi ukuba i-inshorensi ithandwe kangaka ngamaqothaqikili. Oku kwenzeka kumazwe asele ehambele phambili nasakhasayo. Ngoko ke, umntu ufanele azilumkele ii-inshorensi ezifuna intlawulo ephantsi aze alumkele neeinshorensi ezithandabuzekayo. Abahlawuleli abaninzi beinshorensi abebenethemba baye baphela bengenanto xa ezi nkampani ziye zasilela ukubahlawula—okanye zaphela ngesiquphe!
Kanye njengokuba usenza xa uza kuthenga into ebalulekileyo, ngoko kububulumko ukuqala uthelekise ii-inshorensi ezahlukeneyo, yaye oko kusoloko kusonga imali. Ngokomzekelo, ezinye iinkampani ziba nentlawulo ephantsi yeinshorensi yezempilo yabantu abangatshayiyo neinshorensi ephantsi yenqwelo-mafutha kwabo baneempepha-mvume zokuqhuba. Kodwa umntu unokuyifumana njani i-inshorensi enokuthenjwa?
Inyathelo lokuqala inokuba kukufumanisa amava awahlukeneyo abanye abaye banawo neenkampani nabameli beinshorensi. Kusenokwenzeka ukuba izihlobo nabamelwane banenkampani abayaziyo eneenkonzo ezisemgangathweni okanye banommeli abamazi ngokuthembeka nokuba nenkxalabo ngabantu. Kwakhona kuya kuba kuhle nokuphulaphula iingxelo zeendaba ezichaza iinkampani zeinshorensi ezisenokuba neengxaki.
Ukongezelela, igama ezenzele lona inkampani nemeko yemali unokuyibona ngokujonga incwadi ethetha ngeeinshorensi kumzi wogcino-zincwadi okanye kumzi othengisa iincwadi okanye kwi-Internet. Loo ncwadi inokuphendula imibuzo efana nethi: Ngaba le nkampani ikhuselekile ngokwemali? Ngaba ibilishishini eliphumelelayo kangangeminyaka emininzi? Ngaba idume ngokuhlawula ngokukhawuleza nakakuhle?
Noko ke, ezi ncwadi zichaza i-inshorensi akumele kucingwe ukuba azinakuyenza impazamo. Enye inkampani yeinshorensi ekudala yabakho neyenza izigidi ngezigidi zeerandi kwafuneka urhulumente ayithabathele ezandleni zakhe emva kweveki nje iye yachazwa njengehamba phambili kwincwadi ethile edumileyo!
Indima Yabameli Beinshorensi
Ummeli weinshorensi udla ngokuthengisela inkampani ethile yeinshorensi. Ummeli okanye umthengisi ozimeleyo, usenokukhangela iinkampani ezahlukeneyo ukuze afumane eyona inshorensi iphambili ngexabiso elithile. Kuye kufuneke babe nolwalamano oluhle nabathengi ukuze baqhubeke bethenga kubo. Xa ummeli weinshorensi ethembekile yaye enenkxalabo, usenokuba luncedo kakhulu kwabo abathengiselayo.
Okokuqala, ummeli okanye umthengisi ofanelekileyo unokunceda umthengi ukuba akhethe i-inshorensi efanelekileyo phakathi kwezininzi. Kwakhona uya kuchazela umthengi ngeengenelo zale inshorensi. Njengoko abaninzi besazi, iingenelo zeinshorensi zinobucukubhede. Umphathi wenye inkampani yeinshorensi wavuma ukuba akabazi bonke ubucukubhede beinshorensi yokukhusela indlu yakhe!
Ingcaciso yommeli inokunceda umthengi ukuba angothuki kakhulu. Ngokomzekelo, ii-inshorensi ezininzi zeempahla nezempilo zinemali ethile etsalwayo. Leyo yimali eqingqiweyo amele ayihlawule umthengi—mhlawumbi eyokulungisa inqwelo-mafutha okanye ukuhlawula amatyala ezonyango—ngaphambi kokuba inkampani yeinshorensi ihlawule esayo isabelo. Kwakhona ummeli unokuma ngakumthengi wakhe nxamnye nenkampani yeinshorensi xa umthengi engade ayinikwe imali yakhe.
I-inshorensi NamaKristu
Ngaba umKristu othembele kuncedo lukaThixo nowaziyo ukuba le nkqubo yezinto iyaphela uyayifuna i-inshorensi? Emva phayaa ngowe-1910, abanye bawubuza lo mbuzo kuCharles Taze Russell, umhleli wephephancwadi ngoku elaziwa ngokuba yiMboniselo, iphephancwadi eliliqabane likaVukani! URussell wayeyiqonda into yokuba iBhayibhile yakuxela kwangaphambili ukuphela kwale nkqubo yezinto ikhoyo, esongezelela ngelithi naye akanainshorensi yobomi.
URussell wathi: “Kodwa ke, iimeko zabantu azifani. Ubawo onomfazi nabantwana abaxhomekeke kuye—ukuba abantwana bakhe basebancinane yaye abanakukwazi ukuziphilisa—unembopheleleko yokubalungiselela.” (1 Timoti 5:8) URussell wathi, indoda inokubekela bucala imali ukuze ixhase intsapho yayo. “Kodwa ukuba ayinakukwazi ukwenjenjalo, isenokuyiphumeza indima yayo ngoncedo lweinshorensi yobomi.”
Umntu onyamekela intsapho usenokuyifunela i-inshorensi yempilo, eyaxa ingenakuzenzela nto okanye ezinye iintlobo zayo. Abantu abaninzi abangatshatanga bathabatha i-inshorensi ukuze bafumane iinkonzo eziyimfuneko kwakunye nokuzikhusela ekungeneni ematyaleni xa kunokubakho ingozi okanye bagule.
Ukunyaniseka kuyeyona nto ibalulekileyo kwi-inshorensi. Ngokuqinisekileyo umKristu onyanisekileyo akasayi kuze aqhathe inkampani yeinshorensi, xa ezalisa ifomu yeinshorensi okanye ecela imali. (Hebhere 13:18) Umele akhumbule ukuba injongo yeinshorensi kukuhlawulela ilahleko. Asilotikiti lokungcakaza—ithuba lokuphila ubomi obutofotofo.—1 Korinte 6:10.
AmaKristu athobela yonke imithetho edibene nokufumana i-inshorensi. Apho umthetho uyalela ukuba afanele abe neinshorensi efanelekileyo ukuze abe neshishini okanye aqhube inqwelo-mafutha, avumelana noko. (Roma 13:5-7) Ukunyaniseka nokulumka kuwenza azihlawule kakuhle izavenge. Ukuba i-inshorensi ayihlawulwa inkampani inokuyicima i-inshorensi ize ingahlawuli. Kububulumko ukuhlola intlawulo ngamaxesha athile ngokunxibelelana nenkampani ngokuthe ngqo uze ugcine namaxwebhu angqina ukuba uhlawule, njengeetsheki ezicinyiweyo.
Enoba i-inshorensi ikho apho uhlala khona okanye akunjalo, kukho imiqathango esisiseko enokukunceda uphephe ilahleko nentlungu yokulahlekelwa ngomthandayo nto leyo engenakucinywa yiyo nayiphi na i-inshorensi. Kwinqaku elilandelayo siza kuqwalasela loo miqathango.
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Ummeli othembekileyo unokukunceda ekwenzeni izigqibo ngokuphathelele i-inshorensi
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Abaninzi baneinshorensi enoba iyanyanzeliswa ngumthetho okanye akunjalo