Asuransi Kesehatan Terbaik Dan Murah Lezi zingosi eziqhathaniswayo zisebenza kwi-commission-basis ngokuvumelana nezibopho zabo zezempilo ezithintekayo. I-Private Insurance Insurance Ombudsman iphinde isebenze iwebhusayithi yamahhala evumela abathengi ukuthi bafune futhi baqhathanise imikhiqizo yabaninikeli benkampani yangasese, okuhlanganisa ulwazi ngamanani kanye nezinga lokumboza. Izici eziningi zomshwalense wezempilo wangasese e-Australia zilawulwa yi-Private Health Insurance Act 2007. Izikhalo nokubika kwemboni yezempilo yangasese kwenziwa yi-ejensi kahulumeni ozimele, i-Private Health Insurance Ombudsman. I-ombudsman ishicilela umbiko wonyaka oveza inombolo nenhlobo yezikhalazo esikhwameni sempilo ngasinye kuqhathaniswa nesabelo sabo semakethe. Isistimu yezempilo yangasese e-Australia isebenza ngesisekelo "sokulinganisa umphakathi," lapho amaphrimiyamu awahluki khona kuphela ngenxa yomlando wangaphambili wezokwelapha, isimo samanje sempilo noma (ngokuvamile ekhuluma) ubudala babo (kodwa bheka i-Lifetime Health Cover ngezansi). Ukulinganisela lokhu yisikhathi sokulinda, ikakhulukazi ngezimo ezikhona ngaphambili (ngokuvamile ezibhekiswe embonini njenge-PEA, okusho "ukugula kwangaphambili").
Izikhwama zinelungelo lokumisa isikhashana sokulinda ezinyangeni eziyi-12 ngezinzuzo kwanoma yisiphi isimo sezokwelapha izibonakaliso nezimpawu ezikhona phakathi nezinyanga eziyisithupha eziphelile ngosuku lapho umuntu eqala ukukhipha umshuwalense. Futhi banelungelo lokuphoqelela izinyanga ezingu-12 zokulinda izinzuzo zokwelapha eziphathelene nesimo se-obstetric, kanye nesikhathi sokulinda izinyanga ezimbili kuzo zonke ezinye izinzuzo lapho umuntu eqala ukuthola umshuwalense wangasese. Izikhwama zinokuqonda ukunciphisa noma ukususa izinkathi zokulinda ezimweni ngamanye. Bakhululekile futhi ukuba bangaziphoqeleli ukuba baqale, kodwa lokhu kungabeka isikhwama esinjalo engozini yokukhetha "okungahambi kahle", ukuheha inombolo engavumelani yamalungu avela kwezinye izimali, noma kusukela echibini lamalungu angase ajoyine amanye Izimali. Kuzophinde kubangele abantu abanezimo zezokwelapha ezikhona, okungenzeka ukuthi abazange bathathe umshuwalense nhlobo ngenxa yokuphika izinzuzo ezinyangeni ezingu-12 ngenxa ye-PEA Rule. Izinzuzo ezikhokhelwa kulezi zimo zingadala ukucindezela kuma-premium kuwo wonke amalungu ekhwama, okwenza abanye bayeke ubulungu babo, okuzoholela ekukhuphukeni okuqhubekayo kumaphrimiyamu, futhi umjikelezo ononya wamalungu e-premium aphezulu avela. Asuransi Kesehatan Terbaik Dan Murah
