Inshorar lafiya ga matasa yana kashe rabin tsofaffi

Sau da yawa muna mamakin shekarun da ya fi kyau a sami inshorar lafiya. Gaskiyar ita ce babu tsayayyen shekarun da za a yi ta, amma zai dogara ne kan rayuwar kowa da kowa. Amma abin da ke bayyane shi ne farashin zai yi tasiri. Har yaya zai iya yin tasiri?

Shekaru na ɗaya daga cikin manyan abubuwan da za a yi la’akari da su a cikin inshorar lafiya, tunda dangane da shekarun ku, inshorar na iya zama mafi tsada ko mai rahusa. Ga waɗanne rukunin shekaru inshorar lafiya za ta fi tsada?

Babban mutum zai biya kusan ninki biyu fiye da matashi don yin kwangilar inshorar lafiya, ba tare da la'akari da ko na asali bane (galibi ya haɗa da ƙarancin ƙwararrun likita ko ƙarin gwaje -gwajen magunguna na farko ko na yara, alal misali) ko cikakke (tare da adadin ƙwararrun likitocin, asibiti na kwanaki da yawa kuma don daban -daban dalilai ko samun ƙarin gwaje -gwaje masu mahimmanci a cikin rassan urology, gynecology, oncology, da sauransu).

Wannan shine ɗayan ƙarshe da aka samo daga binciken wanda farashin daban -daban iri inshorar lafiya na mafi yawan masu insurers na Spain don ƙungiyoyin shekaru uku (1960, 1980 da 2000).

Nau'in inshora	Basic	cikakken	Basic	cikakken	Basic	cikakken
Shekara	1960	1960	1980	1980	2000	2000
Rabin farashin na shekara-shekara	653 €	1.582 €	447 €	1.005 €	393 €	782 €

Source: Roams ta shirya shi daga bayanai daga kamfanonin inshora daban -daban na Spain.

Don haka, mutum mai shekaru 60 zai biya kusan € 653 / shekara don inshora na asali, yayin da dan shekara 20 farashin zai zama € 393 / shekara. Dangane da cikakken inshora, bambancin yana tsakanin Yuro 1.582 da 782 bi da bi.

Wannan haka yake saboda a ƙarshe yana iya yiwuwa hakan tsofaffi yana buƙatar ganin likita sau da yawa fiye da ƙaramin mutum. Saboda haka, farashin ya fi tsada ga shari'ar farko fiye da ta biyu.

Gaskiya ne cewa ana iya samun takamaiman lokuta wanda ƙaramin yaro yana buƙatar ƙarin kulawar likita. Gabaɗaya, kamfanonin inshora galibi suna yin tambayoyin kiwon lafiya akan wanda zasu kimanta farashin inshorar. Adadin zai yi sama ko ƙasa dangane da matakin cutar.

Sabili da haka, ƙa'idar gaba ɗaya ita ce tsufa, mafi girman adadin kuɗin da za ku biya. Amma a, yanayin lafiyar kowane mutum shima yana cikin wasa.