Tun da dadewa, cututtukan zuciya na ɗaya daga cikin abubuwan da ke haifar da mutuwa na farko a duniya. A cewar hukumar Ƙungiyar Indiya na Nazarin Lafiya, Shanyewar jiki shine babban dalilin mutuwa na hudu da kuma na biyar da ke haifar da DALY (Disability Adjusted Life Years) a Indiya a cikin 2016. Ciwon daji, ciwon daji, rashin makanta duka, cutar Parkinson, cututtukan hanta na ƙarshe, ciwon zuciya na zuciya (wanda kuma aka sani da a ciwon zuciya), bugun jini na jijiyoyin jini, da dai sauransu, duk sun fada cikin jerin cututtuka masu tsanani.
A cikin irin wannan mummunar gaskiyar. sayen manufofin rashin lafiya mai mahimmanci ya zama mai ba da shawara sosai. Bari mu gano hanyoyi guda biyar murfin rashin lafiya mai mahimmanci yana kare lafiyar ku da lafiyar dangin ku da kuɗin ku yayin bala'in lafiya mai tsanani.
1. Tallafin Kuɗi tare da Cikakken Rufewa
Abin takaici, idan kun kamu da rashin lafiya mai tsanani, mai yiwuwa farashin maganin ku zai wuce kasafin ku. Kuma inshorar lafiyar ku na iya gaza samar muku da isasshiyar ɗaukar hoto. Har ila yau, yawancin manufofin inshora na kiwon lafiya ba sa bayar da ɗaukar hoto don mummunan yanayi kamar gazawar koda ko hanta. Wannan shine lokacin da samun tsarin rashin lafiya mai mahimmanci ya zo a matsayin riba. Keɓancewar cututtuka na barazanar rayuwa yana tabbatar da cewa babu nauyin kuɗi akan ku da dangin ku.
Har ila yau, jiyya na yanayi mai tsanani ya haɗa da jerin nau'o'in wasu kudade na likita da marasa lafiya, kamar shawarwarin likita na yau da kullum, magunguna, hanyoyin kwantar da hankali, da dai sauransu. Don haka, yana da kyau a kwatanta da kuma zaɓi tsarin rashin lafiya mai mahimmanci wanda ke ba da fa'idodi da fasali, kamar yadda Inshorar Lafiya ta Kula. Inshorar rashin lafiya mai mahimmanci ta Kulawa tana rufe muku manyan cututtuka da cututtuka guda 32. Za mu tattauna ƙarin game da fa'idodin manufofinsu a ƙarshen wannan labarin.
2. Ribar Haraji Karkashin Sashi na 80D
Kuna iya neman kuɗin da kuka biya don shirin ku na rashin lafiya lokacin shigar da harajin kuɗin shiga. Manufar inshora ga kai, ma'aurata, da yara masu dogaro suna ba da fa'idar haraji har zuwa Rs.25,000 a ƙarƙashin Sashe na 80D. Har ila yau, kun cancanci cire kuɗin da'awar akan kuɗin da aka biya a madadin iyayenku.
Idan iyayenku ba su kai shekaru 60 ba, rufin sama don fa'idodin haraji shine INR 25,000, yayin da ƙofar ga iyaye sama da 60 shine INR 75,000. Mafi kyawun sashi shine idan kun wuce 60 kuma kuna da alhakin ƙimar iyayenku, zaku iya jin daɗin fa'idodin haraji don mafi girman ragi na INR 1 lakh.
3. Ajiyayyen don Ayyukan Kuɗi
A cikin abin takaici da mutum ke fama da rayuwa da wata cuta mai tsanani, za su iya rasa ikon ci gaba da aiki da samun abin dogaro da kai. Wannan yana nufin cewa suna da barazanar rasa tsayayyen tsarin samun kuɗin shiga wanda ke haifar da matsalar kuɗi na dogon lokaci.
Anan ne lokacin da ɗaukar nauyin kuɗi a ƙarƙashin shirin rashin lafiya mai tsanani ya zo kamar albarka. Mai tsara manufofin ya cancanci yin amfani da adadin ɗaukar hoto da aka karɓa ta hanyar da suka ga ya dace, kuma wannan na iya zama fa'ida don maye gurbin da aka rasa da kuma biyan wajibcin kuɗi.
4. Fasali na Ra'ayi Na Biyu
Maganin cututtuka masu tsanani na iya zama mai yawa kuma cikakke. Yana iya rinjayar mutum a kowane mataki - ta jiki, da tunani, da tunani. A irin wannan yanayi, kuna buƙatar tabbatar da cewa shawarar da kuka bayar likita shine mafi alheri a gare ku. Mahimman tsarin rashin lafiya daga mashahuran masu inshora ya ƙunshi madadin jiyya, chemotherapy, da radiotherapy kuma suna ba da fa'idar ra'ayi na biyu na duniya. Ƙarƙashin ɗaukar inshorar rashin lafiya mai mahimmanci na Kulawa, idan ba ku gamsu da binciken ku na yanzu ko shawarwarin jiyya ba, zaku iya samun ra'ayi na biyu daga ko'ina cikin Indiya.
5. Bibiyar Lafiya ta Kullum tare da Binciken Lafiya na Shekara-shekara
Wani fa'ida mai mahimmanci na shirin rashin lafiya mai mahimmanci shine wurin duba lafiyar shekara-shekara. Don tabbatar da lafiya mai kyau, bincikar lafiya na shekara-shekara na yau da kullun yana tabbatar da gano cututtuka masu mahimmanci da wuri domin rigakafin koyaushe ya fi magani.
Yanzu da kun san tushen tsarin rashin lafiya mai mahimmanci, yakamata ku yi la'akari da siyan ɗaya don kanku da dangin ku don tabbataccen makoma. Idan ba ku da tabbacin wane mai insurer za ku zaɓa, muna ba da shawarar duba Inshorar Kiwon Lafiyar Kulawa. Ɗaya daga cikin manyan masu inshorar lafiya, Inshorar Kiwon Lafiyar Kulawa, tana ba da wasu mafi kyawun tsare-tsare masu fa'ida tare da faffadan ɗaukar hoto, gami da cututtuka 32 masu mahimmanci, kuɗaɗen OPD, madadin jiyya, ƙarancin da'awar, da ƙari. Don haka, ka tabbata ka zaɓi murfin lafiyar da ya dace don kiyaye lafiyarka daga cututtukan da ba a taɓa gani ba.
