Mo se taimi umi i le taimi nei, o le maʻi fatu o se tasi lea o mafuaʻaga autu o le oti i le lalolagi atoa. E tusa ai ma le Fono a Initia o Suesuega Faʻataʻitaʻi, o le stroke o le lona fa lea o mafuaʻaga autu o le oti ma le lona lima o mafuaʻaga autu o le DALY (Disability Adjusted Life Years) i Initia i le 2016. Stroke, kanesa, tauaso atoa, maʻi o Parkinson, faʻamaʻi o le ate, faʻamaʻi o le myocardial (faʻapitoa foi o se fatu fatu), coronary artery bypass graft, ma isi, e pau uma i lalo o le lisi o ma'i ogaoga.
I le feagai ai ma se mea moni mata’utia, fa'atauina o se faiga fa'avae tuga e matua fautuaina. Se'i o tatou su'e ni auala se lima e puipuia ai oe ma lou aiga ile soifua maloloina ma mea tautupe ile taimi o fa'alavelave fa'afuase'i ole soifua maloloina.
1. Lagolago Tautupe ma le Fa'asoa Atoa
Ae paga lea, afai e te maua i se ma'i tigaina, e foliga mai o le a sili atu le tau o au togafitiga i lau paketi. Ma o lau inisiua fa'alesoifua maloloina e ono fa'aletonu i le tu'uina atu ia te oe o se inisiua talafeagai. E le gata i lea, o le tele o inisiua soifua maloloina e le maua ai le inisiua mo tulaga ogaoga e pei ole fatuga'o po'o le ate ua faaletonu. O le taimi lena o le i ai o se ma'i tigaina fuafuaga o se manuia. O le inisiua mo fa'ama'i e lamatia ai le ola e mautinoa ai e leai se avega tau tupe ia te oe ma lou aiga.
E le gata i lea, o le togafitiga o tulaga ogaoga e aofia ai se filifili o isi tupe faʻaalu faʻafomaʻi ma le leai o se fomaʻi, e pei o faʻatalanoaga masani a fomaʻi, vailaʻau, togafitiga, ma isi. ofo mai e Care Health Insurance. O le Inisiua ole Care Health Insurance e aofia ai ma'i tuga e 32 ma ma'i. O le a matou talanoaina atili e uiga ia latou faʻamanuiaga faʻavae i le faaiuga o lenei tusiga.
2. Faamanuiaga o Lafoga i lalo o le Vaega 80D
E mafai ona e tapaina le tau e te totogia mo lau fuafuaga o ma'i tigaina pe a faila mo lafoga o tupe maua. O le pepa fa'apolokalame mo inisiua mo ia lava, to'alua, ma fanau fa'alagolago e ofoina atu penefiti lafoga e o'o atu i le Rs.25,000 i lalo o le Vaega 80D. E le gata i lea, e te agava'a mo toesega o talosaga i luga o le tupe sa totogi mo ou matua.
Afai o ou matua e i lalo ifo o le 60 tausaga, o le pito i luga mo penefiti lafoga o le INR 25,000, ae o le tapulaa mo matua i luga atu o le 60 o le INR 75,000. O le mea e sili ona lelei, afai e sili atu i le 60 ou tausaga ma e nafa ma tupe faʻaalu a ou matua, e mafai ona e fiafia i faʻamanuiaga lafoga mo se toesega maualuga ole INR 1 lakh.
3. Fa'aola mo noataga tautupe
I se tulaga le manuia e faapea o loo tauivi se tagata mo le olaga ma se faamaʻi tuga, e ono leiloa lo latou malosi e faaauau ai ona faigaluega ma maua se tausiga. O lona uiga o lo'o i ai le fa'amata'u o le leiloa a latou tupe maua tumau e mafua ai le fa'aletonu tau tupe mo se taimi umi.
O le taimi lea e sau ai le fa'asoaina o tupe i lalo o se ma'i tigaina e pei o se fa'amanuiaga. E agava'a le tagata e ana le inisiua e fa'aaoga le aofa'i o le inisiua na maua i le auala latou te manatu ua talafeagai ai, ma e mafai ona avea lea ma fa'amanuiaga e sui ai le tupe leiloa ma fa'amalieina noataga tau tupe.
4. Fa'atonuga o Manatu Lona Lua
O togafitiga o ma'i tuga e mafai ona lautele ma vaivai. E mafai ona aafia ai se tagata i tulaga uma - faaletino, faalelagona, ma le mafaufau. I se tulaga faapena, e tatau ona e mautinoa o le fautuaga na tuuina mai e lau fōmaʻi e sili mo oe. Fuafuaga fa'ama'i tuga mai kamupani fa'ainisiua ta'uta'ua e aofia ai isi togafitiga, chemotherapy, ma le radiotherapy ma maua ai le manuia o se manatu lona lua fa'avaomalo. I lalo ole inisiua ole ma'i tuga a le Care Health Insurance, afai e te le o faamalieina i lau su'esu'ega o lo'o iai nei po'o fa'atalanoaga mo togafitiga, e mafai ona e maua se manatu lona lua mai so'o se mea i Initia.
5. Su'esu'ega Fa'alesoifua maloloina fa'atasi ma Siaki Fa'alesoifua maloloina Fa'aletausaga
O le isi fa'amanuiaga taua o se fuafuaga fa'ama'i tigaina o le nofoaga lea mo siaki fa'alesoifua maloloina fa'aletausaga. Ina ia mautinoa le soifua maloloina lelei, siaki masani faaletausaga o le soifua maloloina e mautinoa le vave iloa o maʻi ogaoga aua e sili atu le puipuia nai lo le togafitia.
I le taimi nei ua e nofouta i faʻavae o se fuafuaga faʻamaʻi tigaina, e tatau ona e mafaufau e faʻatau se tasi mo oe ma lou aiga mo se lumanaʻi saogalemu. Afai e te le o mautinoa poo ai le inisiua e te filifilia, matou te fautua atu e siaki le Inisiua Tau Soifua Maloloina. O se tasi o le au inisiua soifua maloloina, Care Health Insurance, o loʻo ofoina atu nisi o fuafuaga sili ona lelei ma lautele lautele, e aofia ai faʻamaʻi ogaoga e 32, tupe faʻaalu a le OPD, isi togafitiga, ponesi leai se tagi, ma isi mea. O lea, ia mautinoa e te filifilia le ufi fa'alesoifua maloloina sa'o e puipui ai lou soifua maloloina mai fa'ama'i e le'i tupu muamua.
OA MEA E AVEA MAI LENEI TUSI:
- Now that you are aware of the basics of a critical illness plan, you should consider buying one for yourself and your family for a secured future.
- The policyholder is eligible to use the coverage amount received the way they deem fit, and this can be a benefit to replace the lost income and meet financial obligations.
- Under Care Health Insurance’s critical illness insurance coverage, if you are not satisfied with your current diagnosis or treatment consultation, you can avail of a second opinion from anywhere in India.
