Ukucubungula Imikhiqizo Nezinkokhelo zezinhlelo zezezimali ze-IVF ezahlukahlukene
Izinhlelo zokubuyiselwa kwe-IVF zinikeza ithuba lokubuyiselwa imali egcwele noma ingxenye uma ukwelashwa kwe-IVF kungaphumeli. Lezi zinhlelo ngezinye izikhathi zibizwa ngokuthi yi-IVF, ngoba umtholampilo uthatha ingozi ukuthi kuzodingeka babuyisele noma yonke imali.
Ngokujwayelekile, iphakethe lemali yokubuyiselwa kwemali ye-IVF lizocela imali ephathekayo imijikelezo ye-IVF, noma kunezinhlelo ezinikeza imali embalwa emva komjikelezo owodwa nje.
Imali ehlala phansi ngokuvamile ingaphansi kokungakhokhwa uma ubhadela umjikelezo ngamunye ngabanye. Kodwa-ke, uma ukhulelwa ngemuva kwemijikelezo eyodwa noma emibili, ungase ukhokhe konke okungaphezu kwalokho ongakukhokha uma ukhokha umjikelezo owodwa ngesikhathi.
Izinhlelo zokubuyiselwa imali ngezinye izikhathi ziqhutshwa imitholampilo ngokwazo, kanti nezinye izikhathi ziphathwa yi-ejensi yangaphandle yezezimali, ehlinzeka ngemali ngemitholampilo ehambisana nokuzala.
Ukufanelekela uhlelo lwe-IVF Refund Programme
Akukhona nje umuntu ongabhalisela uhlelo lokubuyisela i-IVF. Yonke uhlelo ineziqu ezihlukene, futhi akunakwenzeka ukwamukela isicelo sakho uma amathuba akho okuphumelela ephansi.
Isibonelo, izinhlelo eziningi azivumeli abesifazane abangaphezu kuka-40 ukuthi bahlanganyele. Abanye banqunywe phansi, bancane njengama-38. Futhi, uma usuvele unqamule imijikelezo eminingi ye-IVF ehlulekile, ungahle ufanelekele uhlelo lokubuyisela imali.
Ezinye izinhlelo zinikela ngezinhlelo zokubuyiselwa kwamaqanda e-donor, okungaba yindlela yokukhetha abesifazane nabangu-40.
Kodwa ngisho nakulezo zinhlelo, udinga ukuhlangabezana neziqu zokubamba iqhaza.
Iyini i-Catch?
Izinhlelo ze-IVF zokubuyisela imali zizwakala kakhulu. Uma ungaphumelelanga, uthola imali yakho! Ngakho ... yikuphi ukubamba? Kungani imitholampilo ye-IVF noma izinhlelo zezimali zinikela ngemali enjengale?
Iqiniso lendaba ukuthi kusukela okunikezwayo kunikezwa kuphela imibhangqwana enamathuba amahle okuphumelela, iningi lizokhulelwa ngaphambi kokusebenzisa imijikelezo yabo emithathu noma eyisithupha ekhokhelwe kakade.
Kulabo abakhulelwa ngokushesha, bazokhokha okungaphezu kwalokho uma bekhokha imijikelezo ngayinye.
Futhi, kubalulekile ukuqaphela ukuthi ngisho nezinhlelo "zokubuyiselwa imali egcwele," awutholi ngempela imali yakho yonke.
Lokhu kubalulekile ukukhumbula engqondweni lapho ubheka imali ecaphunowe ohlelweni lokubuyisela imali ye-IVF. Udinga ngempela imali engaphezulu kunamanani, futhi leyo mali angeziwe ngeke ibuyiselwe imali.
Imali ehamba ngaphezu kwenqubo yokubuyiselwa kwemali ye-IVF ngokwayo, futhi okungenzeka noma engayikuhlanganiswa, kufaka:
- Izinqubo zokuhlola kuqala, kufaka phakathi umsebenzi wegazi, ukuhlaziywa kwesilisa, nokuhlolwa kwesibeletho
- Izindleko zokuqapha, kufaka phakathi ukuvakashelwa kwehhovisi, umsebenzi wegazi, kanye nama-ultrasound
- Izindleko zemithi yokuzala, okungaba ezinkulungwaneni eziningana zamaRandi
- I-Anesthesia ye-egg retrieval
- Imali yezinqubo ezingezansi-eziyisisekelo ze-IVF, njenge-hatching eyisiza, ICSI, isiko le-blastocyst, i-cryopreservation
- Uma usebenzisa i-egg donor noma i-surrogate, i-agency kanye nezimali zomthetho
- Imali yokugcina isisu
Ezinye izinhlelo ze-IVF zokubuyisela imali zihlanganisa ezinye zezindleko ezingenhla, kodwa qiniseka ukuthi ucele incazelo eningiliziwe yalokho okungahlanganiswa ngaphambi kokuthi ubhalise.
Inothi elibalulekile : Qiniseka ukuthi uhlelo lwe-IVF lokubuyisela imali luveza impumelelo njengokuthatha ekhaya ingane ephilayo. Ezinye izinhlelo zithatha impumelelo ukuhlolwa okukhulelwe okukhulelwe, noma ukukhulelwa okufinyelela inani elithile lamasonto.
Lokhu kusho ukuthi uma ulahlekile, akukho ukubuyiselwa imali. Uma ukhulelwa umjikelezo wakho wokuqala, lokhu kulahlekelwa kakhulu kwezimali. Lo mngcipheko cishe awusoze ufanele ukuthatha.
Kungani Kumisa?
Naphezu kwazo zonke lezi zansi, kunezizathu ezinhle zokubhalisela uhlelo lokubuyisela i-IVF.
Ngesinye, uma ungaphumelelanga, okungenani uzothola enye imali yakho. Lokhu kungakuvumela ukuba uphishekele ukutholwa, noma okungenani ukhokhe ezinye zezikweletu ozitholile ngenkathi uzama ukukhulelwa.
Esinye isizathu abashadile ababhalisela ukuthula kwengqondo. Bayaqaphela ukuthi bangakhokha ngaphezulu komjikelezo kunokuba bebehamba umjikelezo owodwa ngesikhathi, kodwa bazizwa bengcono ukwazi ukuthi uma bengaphumelelanga, ngeke bashiywe ngokuphelele.
Futhi, ngoba izinhlelo zokubuyiselwa imali ngokuvamile zidinga ukuba uhlanganyele kwinani elihleliwe lemijikelezo ukuze uthole ukubuyiselwa kwembuyiselo, izinkinga zakho zokuyeka noma ukuphuma ohlelweni ziphansi.
Isibonelo, noma ngabe uzizwa uthanda ukuyeka ngemuva kokuhamba kwenombolo yesibili ehlulekile, ungase ushayele okwesithathu ngoba awufuni ukulahlekelwa ithuba lokubuyisela imali. Futhi lowo mjikelezo wesithathu ungase usebenze wena.
Okunye ekuhambiseni izindleko zokwelashwa kwenzalo:
- I-IVF ibiza malini?
- Ukufaka Uhlelo Lokusebenza Lwezezimali
- Izinketho ezibolekayo zokukhokhela ukwelashwa kwesibeletho
- Izinto Ezinhlanu Zokucabangela Ngaphambi Kokuboleka Emndenini we-IVF
- Ukufaka isicelo seZibonelelo Zesizalo Nama-Scholarships
- Imincintiswano Yomtholampilo Yokuzala: Ungakwazi Yini Ukwelapha I-IVF Yamahhala?
- Ingabe i-Crowdfunding IVF Kuwe?
- Kuyini Ukungasebenzi Kwezezimali?
- I-Crowdfunding IVF noma I-Adoption: Okuyisisekelo
- Amathiphu Okubambisana Kwemvelo Okuphumelelayo kwe-IVF noma Ukwamukelwa
- Ukuba Abazali nge-Surrogacy
- IUI Ukwelashwa: Izindleko, Amanani Okuphumelela
- Ukwelapha Ukwelashwa Ne-Gonadotropin
- Ukucindezeleka Ukwelapha Ukwelashwa: Indlela Yokuphulukisa I-IVF, IUI, noma enye Inzalo Yokunakekelwa Kwesizalo
- Indlela Yokubhekana Nesimo Lapho Uzama Ukuqonda Ukukunqoba
- Ukukhetha Ukungaxoshe Ukwelashwa
Ungathanda ukuthola ukuzama ukukhulelwa ulwazi nolwazi lokuzala njalo ngesonto? Bhalisela i-newsletter ye-fertility lapha!
Umthombo:
U-Adamson, uDavid. "I-IVF yemali-emuva iqinisekisa: isisindo sezinzuzo nezindleko." I- OB / GYN ye-Contemporary. May 2004. http://www.arcfertility.com/wp-content/uploads/pdf/COG1-69-05e.pdf