Nzira dzekukubatsira Iwe Kuwana nekuchengeteka
Inishuwarenzi yehupenyu inzira inokosha yekudzivirira vadiwa vako kana iwe uchifa. Kutsvaga mutemo unogona kutora nguva inogona kunge wakaoma kana iwe wakwegura kana kwete mune zvakanakisisa zvehutano. Kune vamwe vane chirwere chisingaperi kana chagara chiripo, chinogona kuonekwa sechisingakwanisi.
Izvozvo ndizvo zvakaitika kuvanhu vanogara neHIV. Pasinei nokuti unhu hwakanaka sei kana kuti unofarira sei kurapwa, zvaunogona kuita mazuva ano zvakashoma uye kakawanda zvakanyanya kudhura kudarika munhu wepakati pevanhu aizotarisirwa kubhadhara.
Hazvirevi kuti iwe haugoni kuwana inshuwarisi yeupenyu; Mune zvimwe zviitiko, unogona. Asi chokwadi chinotyisa ndechokuti inshuwarisi yehupenyu hwehutachiwana hweHIV inogona kuva inodhura zvikuru, kunyange yakawanda, ichiita kuti nyaya yacho isanyanya kunyanya kuwanikwa asi isingakwanisi.
Upenyu Hwinshuwarisi Serusaruro Here?
Ngatitange nokuudza saizvozvi: Inishuwarenzi ndeye uye yakagara ichisarura. Makambani eInishuwarenzi anoisa mari dzavo uye zvikwereti pamatambudziko epanguva ino, kutora mutsara wezvinyorwa sokuti ndiani uye ndiani asina ngozi. Havana kukutarira iwe semunhu asi asi kubatana kwezvinhu zvinogona kuita kuti iwe ufe mberi kwekufanirwa.
Iyo yakareba uye shoma payo ndeyekuti inshurensi yehupenyu mutambo webhetti, uye, kune vazhinji vehutsigiti, vanhu vane HIV vane kungova bheji rakaipa.
Asi izvi zvinofungidzira chokwadi here kana kuti kusagadzikana kusina kukwana kunosarura kusarura kwehutachiwana hweHIV? Patinotarisa zvinyorwa zvese zvinoponesa , tinonyatsoziva izvi:
- Maererano nekutsvakurudza kunobva kuNorth America AIDS Cohort Kubatana Mukutsvakurudza nekugadzirisa (NA-ACCORD), ane makore makumi maviri, ane HIV ane hutachiwana hwehutachiona hunogona kutarisira kurarama mumakore ekutanga makumi manomwe.
- Chidzidzo che2014 ne Multicenter AIDS Cohort Yokudzidza (MACS) yakatsigira zvakare zvirevo izvi, zvichipedzisa kuti vanhu vanotanga kurapwa kare (apo CD4 yavo yepamusoro iri pamusoro pe 350) inokwanisa kukwanisa kurarama hupenyu hunoenzana kana kupfuura humwe vanhu vakawanda.
Nokuenzanisa, vanhu vanosvuta vanoveura ndevheji yemakore gumi kubva paupenyu hwavo . Kunyange zvazvo izvi zvisingarevi kuti havazogadziriswa nevatsigiri, havangangozvidzivirirwa kana kuti vanowanikwa kune imwechete-yakakwirira yepamusoro iyo iyo isina utano neHIV yaizoita.
Nei Vanishuwarenzi Vakaramba Kuvhara Vanhu Vane HIV
Vatsigiri havazvioni nenzira imwe chete. Chinangwa chavo ndechekuchengetedza njodzi uye kusava nechokwadi kunogona kukanganisa mativi maviri emabhadharo, uye, kune avo, nhamba dzinorema kwazvo kuvanhu vane HIV. Funga izvi:
- Pasinei nekuwana mukana wehupenyu, vanhu vane HIV vane mikana yekuwana zvirwere zvisingaiti nezveHIV makore akawanda vasati vasangana navo. Mwoyo unorwisa, semuenzaniso, unowanzoonekwa makore gumi nemaviri apfuura kupfuura munharaunda yevoruzhinji, nepo vasina hutachiona hweHIV hunoonekwa chero ipi zvayo kubva makore gumi kusvika gumi nemashanu apfuura.
- Kunyange zvazvo tarisiro dzehupenyu huripo dzakagadziriswa semagumisiro ekurapa kwetachirwere chetachiona , pane imwe nzvimbo yakawanda muhuwandu hwevanhu vanogona kuchengeta musingaoneki utachiona hwehutachiona . Nhasi, chete vanenge 30 kubva muzana yevaya vanoonekwa vane HIV vanokwanisa kuwana hutachiona hwekuperesa, asi hafu yehafu inoramba iri mukuchengetedza mushure mekuongorora.
Pakuguma, vatsigiri vehosi vanopikisa kuti pasinei nokuti "zvakanaka" mumwe munhu angave akafanirwa sei, havagoni kudzora chinhu chimwe chinobatanidzwa nehupenyu hurefu-kana kuti kana munhu asingazotori mapiritsi.
Mune dzimwe nzira, iyo nharo isina kumboitika yakapiwa kuti hutachiona hweHIV hunobudirira zvikuru uye "kukanganwira" kupfuura kare. Kunyange zvakadaro, mumaziso ehutsigisi, chirwere chisingaperi chechirwere chinoisa HIV muhutano hwakafanana sevanhu vanogara ne congestive heart failure.
Misiyano chete iwe haufaniri kuve uchirwara kubva kune chirwere chisingaperi chekudziviswa kuti uwane inshuwarisi; iwe unongoda kuva neHIV.
Upenyu hwehupenyu hwehupenyu hwehutano hwehutachiwana hwehutachiona hwehutachiona hwehutachiona hwehutachiona hwehutachiona hwehutachiona hwehutachiona hwehutachiona hwehutachiona hwehu
Nhasi, kune kambani imwe yveshuwarisi muUnited States inopa humwe huwandu hwehupenyu hwehupenyu hwehutachiwana hweHIV.
Yakagadzirirwa pamwe chete ne Fortune 500 giant Prudential Financial, AEQUALIS isangano rakasununguka rinotarirwa kupa kupa mari mari kumisha isina kuchengetwa inorarama nehosha.
AEQUALIS ikozvino inopa hupfumi hune inshuwarheni dzakasiyana, imwe neimwe ine zvakasiyana-siyana, kuperevedza, uye zvinotarisirwa:
- Indumisiro yega yega uye yekusingaperi yemainshuwarisi ehupenyu nehuwandu hunotangira kubva ku $ 100,000 kusvika kune $ 4,000,000
- Instant Issue term term inshuwarheni iyo hairevi kuongorora kwechiremba uye inopa kugoverwa kwe $ 25,000 ne $ 300,000
- Instant issue inishuwarenzi yose yehupenyu, inofungidzirwa kuva mutemo wekutanga, iyo inopa kugoverwa kwe $ 5,000 ne $ 35,000 pasina kuwedzera kwebhadharo yepamusoro
- Shanduro yakadhindwa inishuwarenzi yehupenyu isina kuongororwa kwezvokurapa kana kuti lab rinoshanda nekugoverwa kubva pa $ 25,000 kusvika kune $ 350,000
Yakakura sezvo zvose izvi zvinonzwika, pane zvishoma zviduku zvakakodzera kucherechedza:
- Chokutanga pane zvose, tarisira purogiramu yakakwirira. Mukupa mvumo yehupenyu hwehutano hwehupenyu husingagumi, takakumbira $ 250,000 muhuwandu hwemunhu ane makore makumi mashanu ane HIV ane mushonga wehutano uyo asina nhoroondo yehutano, haana kusvuta, uye hutachiona husingaoneki hwehutachiona. Nhamba yefoni iyi yakanga inopfuura $ 650 pamwedzi, kana kanenge kaviri izvo murume aizopiwa mhosva kana asina HIV.
- Chechipiri, nzira yekugamuchirwa haisi nyore sezvinonzwika. Zvitsvuku zvakatsvuka, somuenzaniso, zvichamutswa kana iwe wakambotadza kurapwa kana wakagara kunze kwemazuva kwenguva yakareba. Izvozvo zvinoshanda kana CD4 yako yakawanda iri pasi pemakore 200, kana iwe uine hepatitis B kana C (kunyange kana iwe wakarapwa ), kana kana iwe wakambove nehutachiona hwakakosha.
Nepo iwe usingazivi kuti unofanirwa kuzarura zvinhu izvi, pangave pasina nzira yekuviga. Kunyangwe iwe wakasarudza "kwete chirongwa chekuongororwa kwechiremba", haufaniri kufunga kuti inshurensi ichakutora iwe neshoko rako.
Kana wapedza kubvunzurudza kwekutanga, danho rinotevera raizova kutarisa cheki ne Medical Medical Bureau (MIB) uye kukumbira kuvimbiswa kwenyaya yako yezvechipatara kubva kune wako mukuru wekutarisira. Kuti uratibvumidzwe, iwe unofanirwa kuisa mukana wekuwana kune aya nemamwe mafaira ezvokurapa.
Kunyange zvazvo iwe uine mureza mutsvuku hazvireve kuti iwe ucharambidzwa, zvinogona kuwedzera premium yako yemwedzi kana kuvharira kwako kuwana kune zvimwe zvinhu zvinowanikwa kune inshuwarisi.
Dzimwe Hupenyu Inishuwarenzi Zvimwe
Kana mitambo yehupenyu yveshuwarenzi yehupenyu isingawaniki kwauri, pane zvimwe zvingasarudzwa zvaunogona kuongorora. Kazhinji, havangakupi iwe sepamusoro wekubatsira rufu semutemo wega, asi inogona kukwana kuvhara zvimwe zvikwereti (zvakadai semariro kana dzidzo mari) iwe unofanira kufa.
Pakati pezvinhu zvakanakisisa zvinosarudzwa:
- Inishuwarenzi yehupenyu hwemashizha yevashandi inogona kugoverwa nekambani yako, pane dzimwe nguva kumushandi kana mushandi wevashandi. Rufu runobatsira iri mu $ 10 000 kune mushandi uye $ 5,000 kumurume. Seboka reboka, mari inowanzova yakawanda.
- Inishuwarenzi yehupenyu yokuzvidira inobva kune waunoshandira ndeimwe imwe nzira inopiwa nekambani dzakakura, zvichibvumira vashandi (uye dzimwe nguva vanhurume vavo) kuvhara upenyu pasina uchapupu hwekusagadzikana. Zvimwe zvezvirongwa izvi zvinopa rufu zvikwereti zvinosvika $ 100,000.
- Nyaya yakagadziriswa inshuwarano yehupenyu (inozivikanwawo seyakagadziriswa inogamuchirwa mitemo) idiki, mitemo yose yehupenyu nemaropafadzo ekufa aripo kubva kune $ 5,000 kusvika ku $ 25,000. Kazhinji, hapachina mibvunzo yehutano uye kubvumirwa kunovimbiswa. Sezvo zvakadaro, miriyamisi ichave yakakwirira uye zvizere zvikomborero hazvizogadziriswa kusvikira imwe kana makore maviri mushure meZuva Rinobudirira.
Kana zvimwe zvose zvingakundikana, unogona kushanda kune chirongwa chekuviga chingave chabhadharwa (inozivikanwa segadziriro yezvinodiwa). Izvi zvinotengeswa kuburikidza nemisha yemariro uye zvinokubvumira kuti ubhadhe chikamu chemari kana chirongwa chekugadzirisa. Dzimwe dzimba dzekuviga dzichaisa mari yako muchikwata chekutenda chakakonzera kusunungurwa paunofa; vamwe vanozotora inshuwarisi vachizviti ivo vanobatsira.
Unoda Upenyu Inishuwarenzi Here?
Kana uchitarisana nekuramba kwehushandiro yveshuwarenzi yehupenyu, unogona kufunga kuchinja kuisa pfungwa yako pakugadzirisa basa rekurega basa. Izvi zvinonyanya kuitika kana iwe uri utano hwakanaka uye uchiri kushanda.
Masangano mazhinji atanga kupa mapurogiramu anotaura nezvehupfumi hwehupfumi hwevanhu vanogara neHIV. Mukuru pakati pavo ndeyeManhattan-based New York Life, iyo muna 2013 yakatanga "Positive Planning" chirongwa chekudzidzisa zviuru gumi nevatariri vayo pamusoro pezvinodiwa zvemari zvehuwandu hweHIV.
Masangano akawanda evanhu vane hutachiona hweHIV anopa mapurogiramu akafanana, achibvumira vatengi kuenda kumisangano yekusununguka kana kusangana nevadzidzisi vezvehupfumi pane imwe chete. Iwe unogonawo kutarisa nemakoroji emunharaunda yako, mazhinji ayo anopa zvidzidzo pamusoro pekurayira basa.
Pasinei nokuti iwe unogona kuwana inshurensi yehupenyu kana kwete, chinhu chinogutsa zvikuru chaunogona kuita ndechokugadzirira kusvika zvakakwana pakugadzirisa kutarisa zvinhu zvose zvekubvisa kwako, kwete kungofa kwako.
> Sources:
> Centres for Disease Control and Prevention. "CDC Fact Sheet | HIV muUnited States: Matanho Ekutarisira ." Atlanta, Georgia; yakabudiswa muna July 2012.
> Hasse, B ,; Ledergerber, B ;; Egger, M., et al. "Kukwegura uye (Kwete-asina hutachiona hweHIV) Kusagadzikana mune vanhu vane HIV: Chidzidzo cheSwitzerland Cohort (SHCS)." Musangano we18th pamusoro peRevroviruses uye Zvimwe Zvirwere (CROI) Boston, Massachusetts, February 27-March 2, 2011 ; abstract 792.
> Hogg, R .; Althoff, K .; Samji, H .; et al. "Kuwedzerwa mune tarisiro yehupenyu pakati pevanhu vanobatwa neHIV muUnited States neCanada, 2000-2007." 7th International AIDS Society (IAS) Musangano wePathogenesis, Treatment, uye Kudzivirira. Kuala Lumpur, Malaysia. June 30-July 3, 2013; Abstract TUPE260.
> Jha, P .; Ramasundarahettige, C .; Landsman, V .; et al. "Dambudziko reMakumi maviri nemakumi emakore rekusvuta nekubatsirwa kwekuguma muUnited States." New England Journal of Medicine. 2013; 368: 341-350.
> Sabin, C. "Vanhu vane HIV vane hutachiwana hutarisiro hwehupenyu huripo panguva yekubatanidza antiretroviral therapy here?" Biomed Central Medicine . 2013; 11: 251.