Kana iwe uine inshuwarhu yehutano, iwe hapana mubvunzo wakaona mamiriro apo kambani isingabhadhara . Vanogona kuramba chizere chakazara chekutsvaga, kwezhinji . Unofanirwa kubvuma kungoramba kwavo kuvhara chiremba chako chekurapa here? Kwete. Pane zvimwe zvinhu zvaunogona kuita. Heano mazano gumi nemaviri anobatsira.
1. Usafunga kuti yekutanga "kwete" iwe unogamuchira ndeyekupedzisira.
Inenge 10 kubva muzana yezvose zvinodisirwa inshuwarisi inorambidzwa zvisina kururama.
Panguva imwecheteyo, pasi pe1 muzana yevanhu vanoita zvivimbiso zvehushuwarisi kunyange vanopokana mubhizimisi wavo apo izvo zvavanodaro zvinorambidzwa. Ruzhinji rwevashandi vezvematongerwo enyika vanorwisana nemhosva dzavo vanogona kukunda matambudziko avo kana kuvandudza mararamiro avo. Saka, shoko rinonyatsojeka: kana kuda kwako kuchibvumirwa, iwe unofanirwa kukumbira chisarudzo.
2. Simbisa pane tsanangudzo yakanyorwa.
Mazhinji emitemo yehurumende inoda makambani einishuwarenzi kuti anyore tsanangudzo dzakanyorwa dzekuramba. Kusakwanisa kutevedzera kunogona kuita mhirizhonga isiri pamutemo neye inshuwarisi. Nguva dzose bvunza chinyorwa chakanyorwa kana kuda kwako kwakarambwa.
3. Verenga sarudzo yako nekunyatsoziva kuti kudai kwakarambwa zvakakodzera.
Inishuwarenzi yako ikambani inogona kunge yakadudzira chirevo mumutemo wako zvakasiyana kubva nenzira yaunonzwisisa. Remekedza pfungwa yako yekururamisira uye zvaunotarisira kuti chirongwa chidzike. Kana kutonga kusinganzwisisiki kwakanaka, pane mukana wakanaka wekuti hausi.
Pachine zvishoma, kana kubvunzwa kurambidzwa, unofanira kufambisa kambani ye inshuwarisi kuti ubvunze tsanangudzo yakazara yekuramba.
4. Usabvuma kuisa zvikanganiso semhosva yekuramba.
Nguva dzose tevera maimiridziro emubhizimisi wekuchengetedza kudai. Asi kana iwe ukakundikana kuzadza fomu nenzira yakarurama, kana iwe ukasarirwa nguva yakatarwa yekuendesa kudai, kunyange kana iwe uri mwedzi mishoma, kambani yako ye inshuwarisi haigoni kubhadhara.
Kana iwe wakaita chibvumirano chakanaka, kambani inofanira kuratidza kuti yakakuvara nekukanganisa kwako kana kudzivirirwa kubva pakugadzirisa zvakakwana nekuda kwekukurumidza kwako. Ichi chinhu chisingawanzoitiki, uye mumatambudziko akawanda, kuramba kana kukaramba hazvibvumirwi.
5. Tsvaga tsvakurudzo yako kuti ubatsire zvaunotaura.
Kana kambani yako ye inshuwarisi inobhadhara zvishoma kudarika zvaunotarisira kuti utarisire wakapiwa, tarisa kuti vamwe vanachiremba vari munharaunda yako vanobhadhara sei kutarisirwa kwakafanana. Kana vamwe vanachiremba vachibhadhara kupfuura iwe wakagamuchira, shandisa kubhadhara.
6. Bvunza mutengesi wako wehushuwarisi kana boka remutungamiri wepambani pabasa kuti akusigire.
Mujeri kubva kwawakatenga iyo inshuwarisi yako, kana iwe mutungamiri wekubatsira pabasa rako, une basa rekuita kuti chokwadi chekuchengetedza chidzivirire zvaunofarira. Taura navo kuti vatsigire mukukwikwidza chero zvipi zvayo zvinoramba.
7. Taura nekambani ye inshuwarisi zvakananga.
Kana mujeri wenyu we inshuwarisi kana mutongi wemhosva asingabatsiri kugadzirisa dambudziko rako mukati memazuva makumi matatu, terefesa kambani ye inshuwarisi iwe pachako. Iva nehanya asi usimbise, uye ramba uchikwira kumakambani ekukwirira. Iva nechokwadi chekuita nhoroondo yakazara yefoni dzose, kusanganisira mazita uye nzvimbo dzevanhu vose vatinotaura navo. Chengetedza zvikwereti zvefoni yako iyo inonyora kukoshesa. Dzokorora foni imwe neimwe nemutsamba mutsara unotaura kunzwisisa kwako kwekukurukurirana, uye ukumbira kupindura zvakanyorwa mumazuva makumi matatu.
8. Kumanikidza pakunyora kana foni yako isingashande.
Tanga nemunhu uyo akaramba kuda kwako, uye nyorera kumubati wemunhu. Itaiwo nhamba yenyu yehurongwa, makopi emafomu ose akakodzera, mabhiriro, uye magwaro anotsigira uye zvakajeka, tsanangudzo yakajeka yedambudziko. Unofanirwa kukumbira kuti inshurenzi inyore zvakanyorwa mumavhiki matatu. Chengeta makopi emabhuku ose. Iva nechokwadi chekutumira tsamba ne mail yakanyoreswa, uye chengeta ma kopi emisiti. Tsanangura kuti chii chakaipa kukuvhiringidza kwekuramba kubvuma kwako. Shandisa ruremekedzo, usingafungi uye usakanganise kana kutaura mhosva.
9. Nyora tsamba yekutevera.
Kana iwe usina kugamuchira mhinduro, tumira tsamba yekutevera, netsamba yako yepakutanga yakanamatirwa nekambani yemavhudha yekambisi yevashandi kana dhipatimendi rebasa revanhu uye kumutungamiri wekambani. Munyika dzakawanda, kusakwanisa kupindura nokukurumidza kune tsamba pamusoro pezvokutaura ndeyekusaruramisira kwekambisi yekudzivirira.
10. Tsvaka rubatsiro rwekunze.
Kana zvichidiwa, unofanira kubvunza kunze kubatsira kuwedzera kuomeswa. Zvimwe zvekunze zvinosanganisira:
- Yenyu Dhipatimendi reInishuwarenzi. Aya madhipatimendi akasununguka. Kuwanda kwematareji aya kunogona kubatsira kusiyanisa kubva munyika kuenda kune imwe nyika. Vamwe vanoti nematare akasimba, California, New York, uye Illinois semuenzaniso, ichapindirana nharo yako.
- A arbitrator anyanzvi
- Gweta
11. Kuwana rubatsiro rwechiremba.
Kana iwe ukakwanisa kukumbira kutsigirwa kwechiremba kuvako rako, iwe une mukana wakanaka wekubudirira kupikisa kudai.
12. Tarisa kudarika.
Kana kukanganisa kwako kwakarambwa nekuda kwekuderedza kugoverwa, ona kana iwe wakambokurukurwa pamusoro pekuderedzwa kwakadaro pakugoverwa. Kana iwe usiri iwe, iwe unogona kuwana mukana wakanaka wekukunda chirevo chako sezvo kusakwanisa kuzivisa murwere kuderedzwa kwekuparidzirwa kukanganisa komutemo.
Shoko kubva
Pane zvimwe zvigaro zvinogona kukubatsira neruzivo uye rutsigiro pakubatsira kuwana hutano hwehutano nekubhadharisa iwe unofanirwa. Iwe unogona kutaurirana nemapoka aya kuti uwane rubatsiro rwakawanda.
Consumer Coalition for Quality Health Care
1275 K St. NW, Ste. 602
Washington, DC 20005
Telefonhare: 202-789-3606
Website: http://www.consumers.org
Vashandi Vekutarisira Kwazvo
1750 Ocean Park Ave., Ste. 200
Santa Monica, CA 90405
Telefonhare: 310-392-0522
Website: http://www.consumerwatchdog.org
Unogonawo kuverenga bhuku rinonzi Fight Back & Win - Ungawana sei HMO uye Health Insurance kuti Ubhadhe , naWilliam M. Shernoff, kuti uwane mamwe mashoko.
> Sources:
> Lankford, Kimberly. "Mawaniro Atingawana Inishuwarenzi Makambani Okubhadhara Zvimhosva Zvako" Kiplinger Reports. April 30, 2012.
> Avitzur, Orly. "Nzira Dzokudzivisa Kuva neUtano Inishuwarenzi Kutemerwa Kuda." Consumer Reports. December 2014.