Imali, Irhafu
Imbuyekezo ngokuba unyango irhafu yengeniso. ukubuyiselwa Tax ukuba unyango
Isifo ihamba kuphela ngayo umzimba, kodwa iindleko eziphathekayo. Lahla esi sifo kuba ngugqirha. Ngokumalunga imbuyekezo iindleko eziphathekayo, lo mthetho enikiweyo ingqinisekiso yemali abemi. IMigangatho ebekwe uluhlu lweenkonzo kunye noluhlu amayeza, xa loo ukuze bafumane imbuyekezo. Umthetho ubonelela iimeko ezizodwa kunye sicatshulwa kongenelelo zonyango eninzi. Makhe sihlolisise ngokweenkcukacha.
Imbuyekezo for irhafu yengeniso ukuba unyango
Ilungiselelwe ngokuba Art. 219 NC. Amagatya yeSiqendu ukuseka ilungelo umhlawuli werhafu yengeniso ukufumana ukutsalwa ukwenzela ukuthenga amayeza kunye nonyango. Ngamanye amazwi, umntu ofumana ingeniso esemthethweni, uyakwazi lulungisa yinxalenye imali echithwa kwi nokubuyiselwa yezempilo. ummi ngamnye uya kufudumeza lwabiwo-13, kwaye kwezinye iimeko kunye-30% inzuzo yazo. Le rate irhafu kwingeniso yabantu ngokwasemzimbeni. Kukho iintlobo yengeniso, kwakunye iinxalenye zayo, ukusuka apho ukutsalwa ukuya ibhajethi ayenziwanga.
kwiimeko zogunyaziso
Isicelo lokubuyisa irhafu yengeniso isebenza yabemi wulwayo ukuze kukhululwe-13 okanye 30%. Ezi meko zithathwa ezinkulu. Noko ke, asingabo kuphela. Fumana ebanjwayo kunokwenzeka ukuba:
- Wamphilisa okanye usapho lwabo.
- Iinkonzo ezinikezelwa ziqukwe kuluhlu apho iphungulwe ekhoyo.
- Unyango kwenzeke kwiziko lezempilo, ihamba ngayo le mvume.
Isixa yokuthenga amayeza kunye nembuyekezo inshorensi
Isicelo sokubuyiselwa imali yerhafu yengeniso angangeniswa ukuba:
- Iziyobisi amiselwe ngugqirha, wayithenga ngokwabo okanye amalungu osapho kunye ngemali yabo.
- amayeza Uthenge ziqukwe kuluhlu, elibonelela ukuba ixhuzulwe.
Yembuyekezo iintlawulo kunye LCA nakubalwa ukuba:
- Izixa-mali zahlawulwa ngakwicala okanye izalamane zabo.
- Inkampani yeinshorensi isebenza phantsi mvume.
- Isivumelwano lugubungela kuphela yonyango ngokwalo ngqo, ngaphandle kuquka amaxabiso amayeza.
Kule meko kubalulekile ukufumana ukuba ingaba amayeza okanye kwinkonzo uluhlu okhethekileyo apho ebanjwayo hits esebenzayo. Izintlu emiselwe Resolution Government of 2011, inombolo 201.
iinkonzo reimbursable
imbuyekezo ongagqibelelanga ncam impatho yerhafu yengeniso kungenzeka ukuba:
- amanyathelo kwezonyango okanye diagnostic sele yenziwe ziingcali ambulensi.
- iimviwo Medical lwenzelwa.
- Uthintelo, isifo kwaye afumane unyango eyathatyathiswa sisigulana / izigulane.
- imisebenzi lwenziwa ukusuka kwindawo imfundo ngezempilo.
- Therapy, ukuvuselelwa, uphethwe, uthintelo kwenzeka kwiimeko kweso sibhedlele.
into ebaluleke
Lo mthetho unika imali yerhafu yengeniso lobuqu abadla umhlalaphantsi kunye izihlobo zabo. Banakho ukubala kwi ukutsalwa ngokupheleleyo, nangona kunjalo, imali wona wenziwe, akuyi kudlula amawaka-50. Engange. Ubungakanani Iindleko kungaquka intlawulo-inshorensi kunye self-ukuthenga amayeza. Ubungakanani ukutsalwa kwerhafu ukuba amanyathelo okulungisa eninzi ayiphelelanga. Ngokuhambelana yobukhulu balo ikhutshwa Ibuyisela 13%. Ngenxa yokuba ngummi ezingalweni zakhe kuphinda kufumana 6,500 engange. ezibanjwayo ezinjalo sithembele ngaphandle umhlala kokukhetha ngubani ephilile lwabo kwiingxowa-mali zazo. Therapy enokwenziwa kwiiklinikhi zabucala. A ixhuzulwe irhafu kungaboniswanga. Noko ke, ukuba VHI ekhutshwe egameni yomqeshi, imbuyekezo unyango irhafu yengeniso akwenziwanga.
Kubala abasebenzi
Imbuyekezo for irhafu yengeniso ukuba unyango ayikwazi kuba ngaphezu kwe-13% yomvuzo. Inani eliphezulu yokutsalwa - 120 amawaka engange .. Kodwa ibuyisela engange 15.600 kuphela., Eyenza, enyanisweni, abo 13%. Lo mthetho elisekwe uluhlu lweenkonzo zonyango lo mda awusebenzi. Olu luhlu luquka iinkonzo imali eninzi.
Ibuyisela impilo ekhaya
Njengoko sesitshilo ngasentla, sinokulindela ukuba imbuyekezo ukuba unyango ngaphandle-of-epokothweni zahlawulwa abantu obathandayo. Uluhlu izalamane ezinjalo uqulunqe kwi-UK. Olu luhlu luquka i amaqabane, abantwana kunye nabazali. Bonke aba bantu babe yokuqala isidanga phakathi kweentsapho. Ukuthumela amaxwebhu sokubuyiselwa imali irhafu, kufuneka sihlale sikhumbula ukuba ebanjwayo kuyimfuneko, ukuba iinkonzo ezibonelelwa kwiziko lonyango mvume kwaye ufake uluhlu gnokokungqinelana umthetho karhulumente evunyiweyo. Lo mgaqo mnye uya kusetyenziswa kukubuyisela ixabiso iziyobisi ezimiselwe yi gqirha.
Iinkonzo zonyango imali
Olu luhlu luquka unyango ngotyando:
- ukungaqheleki bekhubazekile.
- zaza zonke izifo igazi.
- Izifo e-nervous system.
- iintlobo Complex of ezimbi ocular.
- Izifo phecana sokuphefumla.
- Iingxaki ezimbi amalungu yokwetyisa.
Xa uluhlu lweenkonzo zonyango exabiso ukhona:
- izifo njengelifa.
- Ezimbi ngayo le ndlala lengqula.
- Iingxaki myasthenia gravis kunye polyneuropathy.
- Ezimbi ye zomzimba nokuqina.
- Izifo zepancreas.
- ezimbi okunzima iinkqubo yokwetyisa, yegazi kunye nokuphefumla ebantwaneni.
- Iingxaki seswekile.
- Ezinezigulo sezo zinto zombini.
- Osteomyelitis.
- iintlobo Rare ingxaki anemia kunye ekunqandeni negazi.
- umzimba yombhalo.
- izifo Eye.
- Iingxaki ezivele ngethuba lokukhulelwa, ngexesha kokuba luzelwe.
- Nenzalo.
Kuluhlu efanayo ziquka:
- Amayeza ezinxulumene ne olugqitha esikhumbeni.
- Nceda iintsana njengokuzalwa.
- Umzila, replantation, abohlukeneyo.
- Reconstruction ukuhlinza amalungu busebenzisa.
Zonke ezi nkonzo zibiza kakhulu. Kule meko, iindleko ekubaleni wokutsalwa kwerhafu kuthathelwa ingqalelo ngokupheleleyo.
Iinzuzo ye IP
Ngokuba abaqeshi inshorensi abasebenzi babo VHI, nayo ibonelela iminyinyiva ezithile. Noko ke, kufuneka ezichaphazela zabo. Lokuqala IP isenzo irhafu yaye ngenxa yesi sizathu bayakwazi ukufumana nokunye. Ukongeza, usomashishini osakhasayo unelungelo lokulindela ukuba babuyekezwe, ukuba impilo izalamane zibuyiselwe. Kule nkalo inkqubo iyafana naleyo enikwa abantu. Ilungelo lokuzuza kuvela kummi ngexesha apho ingeniso yayo kugcinwa trinadtsatiprotsentny irhafu. Ukuba ingeniso labantu enyama mali yaneleyo, unako ukubala imbuyekezo yerhafu yengeniso (kuba unyango amazinyo okanye ezinye iinkonzo ezinikezelwa yi-mthetho). Ukuyekwa kuphela yinxalenye yengeniso ezibanjwayo abantu bemveli. le nzuzo unganikezelwanga ngokubhekiselele ezinye iimali lusekiwe.
Inkqubo yokuqeshwa
Kuzihlawula iindleko zokuthengwa amachiza ukuba unyango elinikiweyo, uthintelo, kwisimo, uphethwe kunokwenzeka kuphela abo minyaka apho intlawulo yazo wenziwa ngqo ngaphandle. Kuba ingeniso isibhengezo (on p. 3 NGOBUCHULE) kwaye ukufumana imbuyekezo lusekiwe esikiweyo. Oku kunokwenziwa nyaka hlobo ixesha lokuphumla leenyanga ezili-12. kunye nomhla wentlawulo. Oko kukuthi, ukuba oku kwenzeka ngo-2015, ilungelo ukutsala kuphunyezwa ngo-2016.
Ukuba ngaso nasiphi na isizathu wasilela amalungiselelo kwangoko intlawulo kwixesha elikhankanyiweyo, oko kunokwenziwa kamva. Qaphela, noba kunjani imeko enye. Ihlala kwinto yokuba zithathelwa ingqalelo ezintathu kuphela kunyaka ophelileyo. Oko kukuthi, ngowe-2016, ungakwazi ukufumana iphungulwe-2015, 2014 no-2013. Yenkqubo yokufumana inzuzo kwirhafu kukuqokelela amaphepha kuyimfuneko, baboniswe ekuhlolweni, zingqinisiswe amaxwebhu angeniswe ngenguqulelo igunya kwaye imeko.
Inkqubo yokufumana
Lo mthetho elisekwe uluhlu lwamaxwebhu imali ebuyayo. Uhlolo kufuneka sidlule:
- Isivumelwano kunye kwiziko lonyango mvume.
- Declaration (p. 3, NGOBUCHULE).
- Certificate engqina iindleko zemali.
- Ukunceda ukuba f. 2 NGOBUCHULE.
Ubhaliso oluqhutywa kwizigaba ezininzi:
- Ukuze wenze isibhengezo.
- Isebenza ku zimali inkampani ukufumana isatifikethi, ubungqina bengeniso.
- amaxwebhu ngezalamane okulungiselelweyo (ukuba ihlawulwe sokubuyiselwa impilo yabo, okanye ukuthenga amayeza kubo).
zeengcali abagunyazisiweyo baya kunika ifomu ekufuneka zizaliswe. Iya kuba isicelo ngqo ukulungiselela ukutsalwa. Ukukhangela amaphepha kunye uhlolo kuthatha umlinganiselo kweenyanga ezi-3. efunekayo Malunga ngenyanga ukudluliselwa imali yembuyekezo. Ngokubanzi, ukuze bafumane oko iphungulwe kuqhubeka malunga iinyanga 4. Noko ke, kwiminyaka yakutshanje, le nkqubo ngokukhawuleza.
izibalo kwesampuli
umsebenzi nkampani umsebenzi kwi pancreas. Surgery kwenzeka ngo-2013. Xa iyonke, ukuba kuthengwe amayeza kunye nentlawulo ngummi operation wathabatha 700 amawaka engange iminyaka emi-2. Lo msebenzi iqukiwe kuluhlu lweenkonzo zonyango ezibizayo. Ngokutsho umsebenzi ulwazi enkhowudingi yi "2". Njengoko oku, ithinjiwe iKiriyatayim le mali kwi-akhawunti ngokupheleleyo. Okt ukususela 700 lamawaka engange itsaliwe 13%, efikelela kwi-91 amawaka. Thambisani.
Omnye umzekelo. Umhlala wachitha ngo 2013 50 amawaka engange ukuba unyango lwesifo kobuchopho. Kunyaka olandelayo, ngo-2014 kubiza ukuba le misebenzi ilinganiselwa ku 20,000 ngaphezulu. Nangona kunjalo, le mithetho simisela umda phezu imbuyekezo ye-50 amawaka. uhlobo elisetyenzisiwe onyango awusebenzi kwizakhiwo, ezisetyenziswa ekubuyiselweni kwenkqubo sentliziyo. Kule meko, kubalo-mali ziya kwamkelwa 100 lamawaka. Ngoko ke, kuya kuba wokutsalwa kwerhafu 13%. Yena uya kuba njalo, 13 amawaka engange.
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