Life Insurance leh Health Insurance kilamdanna ~ Dr. Do Kham

Life Insurance leh Health Insurance kilamdanna ~ Dr. Do Kham

Life Insurance leh Health Insurance ki lamdan na tawh kisai a tom in hong gen ning.

1). Life Insurance pen ih sih khit ciang a damlai te khual na tawh ih lei hi aa, Health Insurance pen tu laitak aa a damlai nang ii cidam na tawh kisai zato kahna leh zatui leina ding a cover ding aa ih lei a hihi.

2). Ken Life Insurance $100,000 man ka leileh, genteh na in khakhat in $25 pawl bang hikha ding aa, tua life insurance ka lei/ka neih sung aa ka sih leh a dam lai ka innkuan pihte in $100,000 na ngah ding uh hi. Ih sih nung aa a damlai ih innkuanpih te khual na tawh Life Insurance kilei a hihi.

Gentehna leh a taktak: Ko innkuan aa ding in Life Insrurance a beisa kum 10 lai in ka lei uh hi. Tuni dong kha khat in $83 ka pia den uh hi. Deihloh pen, kei si lianleng ka innkuan pih ten $500,000 (million lang) ngah ding uh hi. Ka zi si leh ko a omlai teng in $250,000 ngah ding hi ung. Ka tate khat si leh ko a damlai ten $20,000 ngah ding hi ung. Ko TERM LIFE ka lei uh hi. Kum 65 ka phak dong kha khat aa ka nupa vua ding $83 piak ding aa lei ka hih man un, tua kum a cin mateng kha sim aa ka piak uh pen khang thei nonlo hi. Tua hun sung in, damloh na cinat na ka nei uh zong in khang thei nonlo hi.

2). Health Insurance pen, ih damsung aa ih cidam na tawh kisai hi aa, sih khit ciang a damlai ten bangmah phattuam pihlo ding hi. Ih dam sung in, ih ci a nat leh, zato kah na, kibawl na leh zatui leina cih te pen hih Health Insurance in hong cover hi. Tua na ngawn, “deductible” (out of pocket) ci in ah, ih zato kahna, zatui leina ding in kumkhat in bang zah hiam? genteh na in $1000 bang ka ip sung pan ka piak khit ciang, ka healh insurance in 80% bang hong cover sak aa, ai zong in kei ip sungpan kumkhat in $1200 ka piak khit ciang, zato kah na leh kibawlna, zatui zaha man in, $200,000 bang a bei zong in ka Health Insurance ten a vek in hong piaksak ding uh hi. Health Insurance khat leh khat kibang lohi.

Ko innkuan bang in, ka innkuanpih nu nasepna pan Family aa ding Health Insurance ka lei uh pen, nungkum lam in khakhat $450 bang kipia aa, tu nai ciang in khangsak gawp uh aa, kha khat in $700 val ka pia den uh hi. Ka innkuan pih nu sepna pen company gol lua hi lo a hih man in insurance pen tampipi piak kul aa, a hi zong in ei leh ei aa mimal aa leisang in a kiman zawtham hi lai hi.

3). Tulsa khuapi a Zomi 300 valte sepna AAON company aa sem te leuleu in, Healh Insurance (cidam na tawh kisai insurance) ding in, tua company aa a sem nu a sempa aa ding bek lei leh nipi kalkhat in $1.17 bek pia aa, kha khat in $5.08 bek pia uh hi. Ahi zong in ah zi zong ah cover sak nop leh kha khat in $116.66 tung ta leuleu aa, innkuan bup, a zi leh a tate tawh a vek vua a cover nop leh zong kha khat in $116.66 mah tung veve hi.

4). Zomi sung ah a deuhdeuh in Sushi aa semte sung bangah Health Insurance a nei tam hetlo hi. Cinatna khat nei leng, zato tungleng, tam pipi tung aa, ei ip sungpan piak kul aih man in vangik pi khat hong suak hi. company pi aa semten ah company tungtawn in lei leh kiman zaw tham aa, mimal in ei leh ei leiding hi le hang, a kilawm ciang coverage neih nading in innkuan khat aa tang a tulval bang tung mawk hi.

Lungdam ei. Topa thupha. Chin Do Kham, D.Min., Ph.D. (President, Global Outreach and Community Development, Inc.)