Zomwe ndinakumana nazo ndi khadi lachipatala komanso kuipa kwa khadi lachipatala

Zomwe ndakumana nazo ndi khadi lachipatala

Khadi lachipatala limatengedwa kuti ndi limodzi mwa makhadi omwe zipatala zambiri ndi zipatala zachipatala zimapereka ndalama zothandizira.
Amapereka zipatala pafupifupi zikwi makumi asanu ndi atatu ndipo akufuna kupereka chithandizo chamankhwala ndi zachipatala kumakampani ndi mabungwe ambiri.

M'chidziwitso chake ndi khadi lachipatala, mayiyo adapindula ndi chithandizo chamankhwala chapadera komanso kuchotsera kwamankhwala ndi zodzoladzola zomwe sakanapeza popanda khadilo.
Anasangalala ndi kuchotsera makumi asanu peresenti pazachipatala zomwe adalandira ndipo khalidwe lake linali lodabwitsa.
Izi sizinali zopindulitsa zokha zomwe adapindula nazo, chifukwa adapindulanso ndi kuchotsera kwachipatala ndi zodzikongoletsera zomwe sizinachitikepo mpaka 80 peresenti.

Kampani ya Arab Takaful ndi yomwe imapereka khadili, ndipo ndi imodzi mwamakampani abwino kwambiri pantchito zachipatala ndi zipatala.
Kampaniyo ikufuna kupereka chithandizo chamankhwala ndi chisamaliro chaumoyo kwa mabungwe ambiri ndi makampani.
Khadi la chisamaliro chaumoyo ndi limodzi mwamakhadi otsogola azachipatala pantchito yochotsera zachipatala kwa zaka khumi.

Kodi pali kuchotsera pa khadi lachipatala?

Pulogalamu yazaumoyo imapereka kuchotsera mpaka 80% muzaumoyo zonse.
Kuonjezera apo, khadili limaphatikizapo zopindulitsa monga chithandizo chazipatala zoposa 9000 mu Ufumu ndi kunja, malipiro a ntchito ndi okwanira ndalama, ndipo safuna mikhalidwe iliyonse ya msinkhu kapena thanzi la wolembetsa.

Pulogalamu yazaumoyo imapereka mayeso aulere m'zipatala zingapo zabwino kwambiri, ma pharmacies, zipatala, malo opangira ma radiology ndi ma laboratories owunikira.
Mamembala atha kupindula ndi kuchotsera kwachipatala ndi zodzikongoletsera zomwe sizinachitikepo mpaka 80%.

Khadi lachipatala litha kupezeka popempha kudzera pa netiweki yachipatala ya Takaful Arabia.
Kampaniyo ikugwira ntchito yokonzanso makontrakiti ake atsopano olowa nawo maukonde azachipatala.

Chifukwa chiyani chithandizo chamankhwala chiyenera kukhala chaulere?

Chithandizo chaumoyo chiyenera kukhala chaulere pazifukwa zambiri zofunika.
Choyamba, kupeza chithandizo chaulere chaulere kumalimbikitsa kufanana pakati pa anthu, popeza aliyense angapeze chithandizo choyenera popanda kukhala ndi ndalama zokwanira.
Kuonjezera apo, chithandizo chamankhwala chaulere chimathandizira kuchepetsa kusiyana kwa thanzi pakati pa magulu osiyanasiyana a anthu, monga anthu omwe amapeza ndalama zochepa komanso omwe ali ndi matenda aakulu amatha kupeza chithandizo choyenera popanda mavuto aakulu azachuma.

Kuphatikiza apo, chithandizo chaulere chaumoyo chimathandiza kupewa mavuto azachuma omwe anthu ndi mabanja awo angafunikire.
Ndalama zothandizira zaumoyo zingakhale zoletsedwa, makamaka kwa anthu omwe amapeza ndalama zochepa komanso omwe ali ndi matenda aakulu.
Choncho, kupeza chithandizo chamankhwala kwaulere kumachepetsa mavuto azachuma omwe anthu angakumane nawo ndikuwathandiza kukhala ndi thanzi labwino.

Ubwino wa khadi lachipatala?

1. Zochotsera zachipatala ndi zodzikongoletsera zomwe sizinachitikepo m'mbuyomu: Khadi lachipatala limatengedwa kuti ndi limodzi mwamakhadi amphamvu kwambiri ochiritsira ndalama ku Kingdom and the Gulf, popeza limapereka kuchotsera mpaka 80% pazachipatala ndi zodzikongoletsera.
   Izi zikutanthauza kuti anthu azitha kulandira chithandizo ndi chisamaliro pamitengo yotsika malinga ndi zosowa zawo.
2. Kufalikira kwakukulu: Khadi lachipatala limaphatikizapo zipatala zopitilira 9000 mu Ufumu ndi kunja, zomwe zimalola olembetsa kupeza chithandizo chamankhwala chambiri komanso chosiyanasiyana.
   Kaya mukufuna chithandizo chamankhwala kapena zodzikongoletsera, khadi lachipatala limakwaniritsa zosowa zanu mokwanira.
3. Malo olembetsa: Khadi lachipatala limalembetsedwa pamitengo yabwino kwambiri, popeza ndalama zolembetsa pachaka ndi ma riyal 149.
   Kuphatikiza apo, khadilo limaperekedwa kwaulere kwa anthu omwe ali ndi zosowa zapadera, zomwe zimapangitsa kuti zikhale zosavuta kuti anthu apeze chithandizo choyenera cha chisamaliro kwa iwo.
4. Kuyankha mwachangu: Kugwiritsa ntchito makhadi azachipatala kumalola kulumikizana ndi netiweki nthawi iliyonse komanso kulikonse, popeza olembetsa amatha kupempha ntchito ndi kufunsa kudzera pa WhatsApp, ndikupereka njira yachangu komanso yolunjika kuti akwaniritse zosowa zawo zaumoyo.
5. Khadi lachipatala likupezeka kwa anthu onse, kuphatikizapo anthu omwe ali ndi zosowa zapadera, okalamba opitirira zaka 60, komanso odwala kunyumba kuphatikizapo milandu yovomerezedwa ndi komiti yachipatala.
   Khadi lachipatala limakwaniritsa zosowa zamagulu onsewa ndikuwapatsa chisamaliro chofunikira.

Zokumana nazo za ogwiritsa ntchito khadi lazaumoyo

Healthcare Card imapereka mwayi wapadera kwa ogwiritsa ntchito omwe akukumana ndi vuto ndi makhadi awo a debit azachipatala.
Omwe ali ndi zokumana nazo zoyipazi amatha kusintha makhadi awo ndi khadi lachipatala pamtengo wapadera, popeza mtengo watsitsidwa kukhala ma riyal 50 okha m'malo mwa ma riyal 149.

Ogwiritsa ntchito m'malo osiyanasiyana azachipatala ndi mankhwala adaitanidwa ku labotale yoyesera kuti ayesere mautumikiwa, kuyang'anira machitidwe awo ndikulemba ndemanga zawo.
Khadilo limaperekedwa ndi dipatimenti yowona za odwala m'zipatala kumagulu enaake a anthu, kuphatikiza anthu olumala, okalamba azaka zopitilira 60, ndi odwala.

Khadi la Healthcare limapereka kuchotsera kwachipatala ndi zodzikongoletsera zomwe sizinachitikepo mpaka 80%.
Khadiyo ikufunanso kusonkhanitsa akatswiri a zaumoyo ndi opereka chithandizo pafupi ndi zosowa za ogwiritsira ntchito ntchito kuti atsimikizire kuti anthu amalandira chisamaliro chophatikizana choganizira zosowa zawo m'zochitika zonse.

Kodi ndipanga bwanji khadi la inshuwaransi yazaumoyo?

1. Kope la mayeso azachipatala operekedwa ndi bungwe lovomerezeka la inshuwaransi yazaumoyo liyenera kutumizidwa limodzi ndi kopi yowona kuchokera kwa olemba ntchito.
2. Kope la mgwirizano wantchito wovomerezedwa ndi Ofesi ya Labor kapena Social Insurance Office iyenera kutumizidwa.
3. Chilengezo chiyenera kuperekedwa kwa nthawi yoyamba kwa mabungwe omwe angopindula kumene, popereka kopi ya mgwirizano wa ntchito yovomerezedwa ndi Labor kapena Social Insurance Office.
   Muyeneranso kuphatikiza mbiri yanu yolowera kudzera pa pulogalamu ya "My Health".
4. Lembani Fomu Na. 1 yowonjezeredwayo ndipo pezani makope aŵiri athunthu a masiginecha onse osindikizidwa bwino, kapena pitani ku ofesi ya inshuwalansi ya zaumoyo m’dera lanu.
5. Kampani ya inshuwaransi idzapereka chikalatacho, lowetsani mayina m'kachitidwe kakutulutsa mapepala opangidwa, ndi kusindikiza makhadi.
6. Uzani mwiniwakeyo asaine ndalama za inshuwaransi ndi kulandira makadi.
   Kope la chisankho chosankhidwa liyeneranso kuperekedwa kapena kulembedwa mu fomu yolembera, kutchula nambala ndi tsiku la chisankho.
   Kope la mayeso azachipatala operekedwa ndi makomiti a inshuwaransi yazaumoyo ayeneranso kutumizidwa.

Njira zopezera khadi la inshuwaransi yazaumoyo kwa amasiye:

1. Lembani Fomu T.S. 101(b) ya akazi amasiye.
2. Tumizani zithunzi ziwiri zovomerezeka zosindikizidwa ndi bungwe loyang'anira penshoni.
3. Kayezetseni zachipatala ku makomiti a inshuwaransi yazaumoyo.Zolemba zoyambilira ndi kopi ya kuyezetsa kwachipatala ziyenera kuperekedwa kuti zitsimikizire momwe munthu angakhalire wathanzi.

Kuipa kwa khadi laumoyo

Choyamba, kuchuluka kwa kuchotsera komwe kumagwiritsidwa ntchito pakhadi kumasiyanasiyana kuchokera ku chipatala chimodzi kupita ku china, zomwe zikutanthauza kuti palibe peresenti yokhazikika yochotsera zipatala zonse.
Izi zikutanthauza kuti anthu akhoza kuvutika kuyerekezera mtengo wa kuchotsera komwe angayembekezere akalandira chithandizo ku chipatala china.

Chachiŵiri, m’banja, sikutheka kupeza makadi oposa limodzi, kutanthauza kuti anthu angavutike kupeza khadi lachipatala ngati munthu wina wapeza kale khadilo.

Kuphatikiza apo, pali zovuta zina zomwe opindula angakumane nazo akamagwiritsa ntchito khadi.
Zitha kukhala zovuta kwa anthu ena kumvetsetsa chiwongola dzanja chochedwetsedwa komanso momwe angasungire ndalama zolipirira mtsogolo.
Izi zingapangitse kuti achuluke m’ngongole ndi kuika anthu m’mavuto azachuma.

Kuonjezera apo, opindula angakhale ndi vuto lomvetsetsa mawu ndi malamulo okhudzana ndi kugwiritsa ntchito khadi ndikugwiritsa ntchito bwino, ndipo angafunike kulankhulana kosalekeza ndi kufunsa kuti apeze zofunikira.

Poganizira zovuta izi, anthu ayenera kudziwa zovuta zomwe zingachitike ndikugwiritsa ntchito khadilo mosamala komanso molingana ndi mikhalidwe yomwe yatchulidwa.
Ayeneranso kumalumikizana pafupipafupi ndi omwe akulumikizana nawo kuti apeze chithandizo chofunikira ndi chithandizo pakagwa mavuto kapena mafunso.

Kodi pali kusiyana kotani pakati pa zipatala zoyambira ndi zipatala?

Magawo azachipatala asintha kwazaka zambiri, ndipo mabungwe ambiri atuluka omwe amapereka chithandizo chamankhwala kwa anthu pagulu.
Pakati pa mabungwewa, timapeza zipatala zoyambira ndi zipatala.

Chisamaliro choyambirira ndi njira yopezera thanzi ndi moyo wabwino zomwe zimagwirizana ndi zosowa ndi zochitika za anthu, mabanja ndi midzi.
Malo oyambira chithandizo chamankhwala amapereka chithandizo choyambirira chaumoyo, chitetezo ndi machiritso.
Amapereka chithandizo chamankhwala chofunikira komanso chithandizo choyambirira pamikhalidwe yosiyanasiyana yaumoyo.

Kumbali inayi, chipatalachi chimapereka chithandizo chamankhwala chofunikira pazochitika zadzidzidzi komanso chisamaliro chachikulu kwa odwala.
Chipatalachi chimaonedwa kuti ndi bungwe lalikulu lomwe lili ndi kayendetsedwe ka zaumoyo m'magawo osiyanasiyana azachipatala ndi opaleshoni.

Chipatalachi chili ndi dera lalikulu komanso luso lapamwamba kuposa zipatala zoyambira.
Chipatalachi chimawerengedwa kuti ndi komwe amapitako kwambiri pamilandu yomwe imafunikira chithandizo chamankhwala chapadera komanso matekinoloje apamwamba azachipatala.

Palinso kusiyana kwaukadaulo ndi kamangidwe pakati pa zipatala zoyambira ndi zipatala.
Malo azaumoyo ndi ang'onoang'ono kukula kwake ndipo ali ndi mphamvu zochepa kuposa zipatala, pamene zipatala zimakhala zazikulu komanso zimakhala ndi zachipatala zambiri.

Ndi zipatala ziti zomwe zili ndi khadi lachipatala ku Saudi Arabia?

Kaya mukufunikira chithandizo, matenda, chisamaliro cha mano, zodzoladzola, kapena chithandizo china chilichonse chachipatala, mukhoza kupindula ndi khadi lachipatala pazipatala zotsatirazi:

• Chipatala cha Al-Zahraa m'boma la Al-Zahraa.
• Green Crescent Hospital ku Riyadh.
• Dr. Abdul Rahman bin Abdul Aziz Al-Aqali Medical Complex ku Al-Hanakiyah ndi Sultana.
• Dr. Hamid Bashir General Medical Complex ku Medina.
• Dr. Clinics Complex
  Bakari mu nthambi zonse.
• North Smile Golden Dentistry ku Tabuk.

Ndani ali woyenera kulandira khadi lachipatala lapadera?

Ministry of Civil Service imapereka chithandizo chamagetsi cholunjika m'magulu apadera a nzika zomwe zikudwala olumala kapena matenda akulu, okalamba azaka zopitilira 60, ndi odwala osamalira kunyumba.
Ntchitoyi ikufuna kuti maguluwa apereke pempho la thandizo la ndalama kuti agule zipangizo zamankhwala zofunika.

Khadi lachipatala lachinsinsi ndi mphatso ya moyo wonse, chifukwa limapereka maubwino angapo kwa omwe ali nawo, monga malo oyendera komanso kuchotsera paulendo, kuwonjezera pa zomwe zimafunikira m'zipatala.

Ntchito za Unduna wa Zaumoyo zikuphatikizanso mgwirizano pakati pa mabungwe azaumoyo mdziko muno kuti apeze chithandizo chokwanira chaumoyo kwa anthu omwe ali ndi zosowa zapadera malinga ndi zosowa zawo.

Kuti mupeze khadi lachipatala, lipoti lachipatala likufunika lomwe limasonyeza kukula kwa kulumala kapena mtundu wa matenda aakulu omwe amavomerezedwa kuti adziwe kuyenerera.
Magulu oyenerera kulandira khadi ndi ana a ofera chikhulupiriro, anthu omwe ali ndi zosowa zapadera, ndi omwe ali ndi matenda oopsa.