He aha ka VHI: kahi pepa hoʻopunipuni i nā nīnau a me nā pane

ʻAe, ua maʻa mākou i ka ʻike ʻana i ka ʻinikua olakino manawaleʻa ma ke ʻano he ʻoluʻolu, akā bonus bonus koho mai ka luna hana. ʻO ka manaʻo o ka hoʻopuka ʻana i kahi kulekele VHI iā lākou iho me he mea lā he nui loa ka paʻakikī a i ʻole kūpono ʻole paha. Akā, ʻoiaʻiʻo nō? I kēia lā ke nānā nei mākou i nā nīnau e makemake nui ʻia e pili ana i ka hoʻopaʻa inoa ʻana o VHI.

Palaka 1: No ke aha ʻoe e pono ai i kahi kulekele VMI iki?

ʻO ka mea mua, he manawa kūpono VHI e loaʻa ai ke kūlana kiʻekiʻe a, ʻo ka mea nui ʻole ia, mālama olakino hōʻoluʻolu. ʻO nā kūlana VHI e pili ana i ka mālama ʻana ʻaʻole wale no ke olakino o ka mea maʻi, akā no kāna ʻoluʻolu hoʻi, mālama manawa a, ʻoiaʻiʻo, ʻoluʻolu psychological.

Eia hou, nā papahana VHI, ma ke ʻano he rula, ʻaʻole hoʻopili wale i nā kūkākūkā ʻana o nā loea loea loa me ke ʻano lāʻau lapaʻau o kēia au, akā me nā ʻano ʻenehana kiʻekiʻe hoʻi o ka noiʻi a me nā diagnostics, i hiki ai ke hana koke i kahi hōʻailona a hoʻomaka i ka lāʻau i ka manawa kūpono. ʻano. A, ʻoiaʻiʻo, ka maʻalahi o ke koho ʻana i nā manawa me nā loea (e laʻa me nā loea pili ʻiki), ka mālama ʻana i nā mōʻaukala āpau i ka palapala uila a me ka hiki ke kūkākūkā pū me ke kauka e hele nei i kahi kuleana nui.

No laila, ke kulekele VHI, ʻoiai koi ia i kekahi kumukūʻai kālā, i ka hoʻihoʻi e ʻae iā ʻoe e mālama i ka hana makamae a me ka manawa ʻohana, a laila e hoʻihoʻi i kāna kumukūʻai.

Palaka 2: Pono i ke kau inoa ʻana o kahi kulekele VHI i kahi pūʻulu o nā hōʻike olakino a i ʻole ka hele ʻana o kahi kōmike olakino?

ʻO kekahi o nā kaʻao maʻamau ka manaʻoʻiʻo "kūpono nā papahana VHI no nā kānaka olakino wale nō". ʻLelo lākou i ka hopena o kahi aelike VHI e koi i kahi hoʻokolohua olakino mandatory, a ʻo ke kulekele, ma muli o ka hopena, ʻaʻole ia e uhi i nā hihia paʻakikī, nā maʻi maʻi, nā hana pōpilikia.

ʻOiaʻiʻo, ʻaʻole kēia ma nā hihia āpau. Inā hoʻopuka ʻoe i kahi kulekele VHI i loko o kahi ʻoihana inikua nui a hilinaʻi hoʻi e noho ana i ke kūlana alakaʻi i ka mākeke ʻinikua, a laila ʻo ka laulā o ke kūpono o kēlā kulekele, ma ke ʻano he rula, e ākea loa. A ʻaʻole e koi nui ka hoʻopaʻa inoa ʻana - no ka laʻana, ma ka ʻoihana Ingosstrakh, e hoʻopau ai i kahi ʻaelike ʻinikua lapaʻau manawaleʻa, pono ʻoe i kahi passport wale nō a i ʻole kahi palapala ʻē aʻe e hōʻoiaʻiʻo ana i ka ʻike o ka mea kuleana a i ʻole kona ʻelele. ʻOiaʻiʻo, ʻaʻole koi ʻia kahi hoʻokolokolo - pono wale ʻoe e hoʻopihapiha i kahi nīnau nīnau maʻalahi.

I ka manawa like, hoʻopuka ke kulekele VHI i hoʻopuka ʻia e Ingosstrakh i ke ʻano nui o nā pilikia e hiki ai: ka hoʻomaka ʻana o kahi maʻi ʻino, hoʻonui i kahi maʻi maʻi, trauma (me ka ʻā ʻana, ka hau) a me ka lāʻau make.

Palaka 3: He ʻoiaʻiʻo wale nō ka poʻe o nā makahiki hana e ʻinikua ʻia ma lalo o VHI? Ma hope o nā mea āpau, ʻaʻohe waiwai ka ʻinikua no nā keiki a me nā ʻelemākule no ka ʻoihana?

ʻAʻole pololei kēia. Eia kekahi, maopopo i nā ʻoihana ʻinikua mākaukau aia i ka wā kamaliʻi a me ka ʻelemakule pono ka pono no ka mālama olakino wikiwiki a me ka mākaukau. No laila, hoʻāʻo lākou e hoʻomohala i nā polokalamu ʻinikua kūikawā no nā lālā o ka ʻohana āpau e pono ai ka mālama kūikawā a me ka nānā ʻana.

Palaka 4: ʻAʻole maʻalahi ma kēia hihia e hoʻopuka i kahi kulekele VHI hoʻokahi no ka ʻohana holoʻokoʻa?

I ka ʻoiaʻiʻo, ʻo kēia wale nō kekahi o nā koho kūpono e ʻae iā ʻoe e hoʻohana pono i nā waiwai kālā a me nā manawa o ka ʻohana. Ma ke kikoʻī, ʻo ka huahana "Close people", hoʻomohala ʻia i ka ʻoihana "Ingosstrakh", e ʻae iā ʻoe e hoʻohui i ke kulekele VHI ʻaʻole wale ka wahine a me nā keiki, akā ʻo nā mākua ʻelemakule hoʻi.

I ka manawa like, lawelawe ʻia nā lawelawe āpau ma ke kumu o kā mākou pūnaewele ponoʻī o nā keʻena lapaʻau "E olakino" me ka manawa kūpono e kipa aku ai i ka haukapila i kūpono loa i kēlā me kēia hihia. Mālama ʻia nā palapala āpau i ka palapala uila, no laila ke kipa ʻana i nā kaukana like ʻole i ka pūnaewele, e loaʻa nā ʻike kauka a pau o ka mea maʻi i ke kauka.

Palaka 5: Pehea e ʻike pono ai i ke ʻano o ka mālama olakino a me nā pono o nā kauka i ka ʻōnaehana VHI?

No ka loaʻa ʻana o ke kōkua ʻenehana loea loa a kūpono hoʻi, he mea nui loa e koho i kahi ʻoihana inikua pono e hana wale me nā hoa hilinaʻi. He mea maikaʻi inā he ʻoihana pilikino kā ka ʻoihana ʻinikua, kahi e kū ai ka lawelawe i nā kūlana a pau o nā lāʻau lapaʻau kūwaho.

ʻO Ingosstrakh kahi laʻana maikaʻi loa o kahi insurer hilinaʻi me kahi hōʻike mele i hōʻoia ʻia. Ua hana kūikawā ʻo ia i nā ʻano ʻinikua like ʻole no nā makahiki he nui a kūpono ke kūlana i waena o nā ʻoihana inikua poʻokela ma ka mākeke Lūkia.

ʻO ke kulekele VHI mai Ingosstrakh kahi ala maikaʻi loa e mālama i kou olakino a kaʻana like i ka ukana o ke kuleana no ka pono o kou ʻohana me kahi hoa hilinaʻi!

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