Professional Fax

UKWAZISWA KWE-L.O.A.
OKUPHATHELENE NOKUHLOLELWA I-HIV
UMA UNENKINGA YOKUQONDA LENCWADI, CELA UMHLENGIKAZI NOMA
UMSIZI WASE-LABHORETHRI NOMA UDOKOTELA UKUBA AKUCHAZELE YONA.
NGINAMAPHI AMALUNGELO?
Unalawa malungelo alandelayo:
1.
Ukuba ungahlolwa ukuthi unalo yini igciwane lengculaza ngaphandle
kokuvuma kwakho okukhululekile nokusekelwe olwazini.
2.
Ukuba unikezwe konke ukwaziswa okufanelekile ngezingozi, izinkinga
nezinzuzo zokuhlolelwa, noma ukungayihlolelwa ingculaza.
3.
Ukwenqaba ukuhlolelwa ingculaza. Uma wenza lokhu, isicelo sakho
sokuthola umshuwalensi singase senqatshwe.
Nokho ungase ucabangele ezinye izindlela njengomshuwalensi
wokuphila okhethekile (special life products) onikezwa ngezinye
izinkampani, umshuwalensi wokonga (endowment) noma ezinye
izinhlobo zemishuwalensi (pure financial products). Thintana nomeluleki
wakho wezezimali ngalokhu.
4.
Ukuthola ukwelulekwa ngaphambi kokuyohlolwa okuyinto eyenziwa
ngasese futhi okugcinwa kuyimfihlo, okuyokwenza ube nolwazi
olwengeziwe ngalokhu kuhlolwa nalokho okukushoyo ngaphambi kokuba
uvume. Uma kungenzeka nganoma iyiphi indlela ukuthi awujwayelene
nalokho okuhilelekile, sikucebisa ngamandla ukuba uthole ukwelulekwa
kwangaphambi kokuyohlolwa. Kuyilungelo lakho futhi ukuba ukushayele
amakhala ukwelulekwa kwangasese kwangaphambi kokuyohlolwa.
5.
Ukuba imiphumela yokuhlolwa kwakho igcinwe iyimfihlo. Imiphumela
engavamile yokuhlolwa kwakho iyokwenziwa itholakale kudokotela wakho
futhi le miphumela yokuhlolwa iyogcinwa futhi ezingosini zezokwaziswa zeLife Offices’ Association isesimweni sokulotshwa esiqondwa ngabathile
kuphela (encoded form). Lokhu kwaziswa kungatholakala kwezinye
izinkampani zomshuwalensi ngemvume yakho. Unalo nawe ilungelo
lokuthola lokhu kwaziswa ukuze uhlole ukuthi kunembile yini.
6.
Ukuthola ukwelulekwa kwangemva kokuhlolwa uma ukuhlolelwa igciwane
lengculaza kubonise ukuthi unalo, ngezindleko ze-ABC.
KUNGANI IZINKAMPANI ZOMSHUWALENSI ZIHLOLA UKUTHI UMUNTU UNALO YINI
IGCIWANE LENGCULAZA?
19 November 2004
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I-Underwriting iyisisekelo sokuqinisekisa ukuthi umenzi wesicelo ngamunye
ukhokha imali yomshuwalensi efanelana nobungozi abhekene nabo. Inkampani
yomshuwalensi idinga ukwaziswa kumenzi wesicelo kokuyisiza ukuba ikwazi
ukuthola ukuthi bungakanani ubungozi obuhilelekile bokukhipha umshuwalensi
kanye nokunquma ukuthi yimali yomshuwalensi engakanani eyoba efanelekile.
Izinkampani zomshuwalensi ziyahlola ukuthi banakuphi ukugula (screen) abenzi
bezicelo ukuze zithole ukuthi yiziphi izifo ezingathi sina ezibaphethe noma
imikhuba abanayo engase iphazamise isimo sempilo yabo. Lokhu kungase
kwenziwe ngohlu lwemibuzo ebhalwe phansi, ukuhlolwa abezempilo nokunye
ukuhlolwa kuhlanganise nokuhlolelwa igciwane lengculaza.
INGABE UKUHLOLWA
NAMAPHUTHA?
KUHLALA
KUNEMBILE?
KUNGENZEKA
YINI
KUBE
Ngisho nakuba ukuhlolwa kunembe kakhulu, futhi kwenziwa amalabhorethri
asemthethweni, kumelwe kubhekwe njengokuhlolelwa ukuthi umuntu unaso yini
isifo, hhayi ukuthola ukuthi isifo sesikuliphi izinga. Uma imiphumela yokuhlolwa
kwakho ibonisa ukuthi ungenwe yigciwane lengculaza, ungase uqinisekise lokhu
ngokuphinde wenziwe okunye ukuhlolwa.
Njenganoma yikuphi ukuhlolwa kwegazi/okungokwemvelo (biological test),
umphumela omncane ongelona iqiniso ungenzeka ezimweni ezimbalwa
kakhulu, okungukuthi, ukuhlola kubonise ukuthi umuntu unalo igciwane kuyilapho
engenalo.
Lokhu akulona iphutha lelabhorethri noma lenkampani
yomshuwalensi, kodwa isimo sangempela sokuthi umuntu unalo yini igciwane
lesandulela-ngculaza singatholwa ngokuthi kwenziwe okunye ukuhlola.
Izinkampani zomshuwalensi namalabhorethri kulandela izimiso eziqinile
zokugwenywa kwamaphutha angaba khona. Ukuze kugwenywe imiphumela
engelona iqiniso ebonisa ukuba khona kwegciwane, kwenziwa ukuhlola
okuthathu okuhlukahlukene.
KUSHO UKUTHINI UMA UKUHLOLWA KUBONISA UKUTHI AWUNALO IGCIWANE
(NEGATIVE)?
Uma ukuhlolwa kwakho kubonisa ukuthi ku-negative, kusho ukuthi okwamanje
alikungenanga/awunalo igciwane, kodwa lokho akusho ukuthi ngeke likungene
igciwane esikhathini esizayo.
Kuthatha amasonto ayisithupha ngemva
kokungenwa yigciwane lesandulela-ngculaza ukuba kubonakale ukuthi umuntu
unalo lapho ehlolwa.
Uba sengozini enkulu yokungenwa yileli gciwane uma uya ocansini nabantu
abangaphezu koyedwa noma uma uya ocansini ngendlela engavikelekile.
Kubalulekile futhi ukuba uthole ukwelashwa okusheshayo kwezinye izifo
ezithathelwana ngocansi, ngokwesibonelo, ugcunsula nesipatsholo ezenza
ungenwe kalula igciwane lengculaza.
19 November 2004
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KUSHO UKUTHINI UMA UKUHLOLWA KWAKHO KUBONISA UKUTHI UNALO
IGCIWANE (POSITIVE)?
Uma imiphumela yokuhlolwa kwakho i-positive, kusho ukuthi kungenzeka ukuthi
unalo igciwane lengculaza futhi isicelo sakho somshuwalensi sizokwenqatshwa.
Yonke eminye imishuwalensi obuvele unayo izoqhubeka isebenza ngaphandle
uma kuwukuthi kudingeka ukuba kulokhu kuphindwa kwenziwa okunye
ukuhlolelwa ingculaza ngezikhathi ezithile. Eminye imishuwalensi ingase ibe
nemibandela yengculaza. Lokhu kusho ukuthi uma kwenzeka uba nesifo
esihlobene nengculaza, ngeke uwukhokhelwe umshuwalensi.
Eminye imishuwalensi obuvele unayo engenayo imibandela yengculaza ngeke
yenziwe ukuba ingasebenzi ngenxa yokuthi imiphumela yokuhlolwa kwakho
ibonise ukuthi unalo igciwane lengculaza.
Iziphetho ezifinyelelwe zokuthi
kungenzeka unalo igciwane lengculaza kumelwe kuxoxwe ngazo nodokotela
wakho. Uma kubonakala ukuthi kube nemiphumela eyiphutha yokuthi unalo
igciwane ube ungenalo, inkampani izophinde ikucabangele ukufakwa kwesinye
isicelo somshuwalensi.
UKWAZISWA NGEMIPHUMELA
Uma imiphumela yokuhlolwa kwakho ibonisa ukuthi awunalo igciwane
(negative):
Umshuwalensi uzovunywa uma kuye kwahlangatshezwana nazo zonke ezinye
izimfuneko.
Uma imiphumela yokuhlolwa ibonisa ukuthi unalo igciwane (positive):
Umuntu oqeqeshiwe kufanele axoxe nawe ngalokhu kwaziswa ukuze ukuqonde
ngokucacile okushiwo yimiphumela yokuhlolwa.
Ngenxa yalokho, kubaluleke kakhulu ukuba ucabange ngokucophelela
ngodokotela okufanele imiphumela yalokhu kuhlolwa ithunyelwe kuye.
Uzokwaziswa ukuba uthintane nalo dokotela.
Sicela uphawule ukuthi uma uthola incwadi ekwazisa ukuba uthintane
nodokotela omkhethile, lokhu akusho ukuthi nakanjani imiphumela yokuhlolwa
kwakho ibonisa ukuthi unalo igciwane lengculaza, njengoba nokunye ukugula
okuningi okudinga ukwelashwa kungase kuholele ekwenqatshweni kwesicelo
sakho somshuwalensi. Lo dokotela uyonikezwa ukwaziswa okuphelele futhi
uzokwazisa ngokuvumelana nakutsheliwe.
UKUZE UTHOLE OLUNYE USIZO NGALE NDABA, SHAYELA I-AIDS HELP LINE KULE
NOMBOLO: 0800-012-322.
19 November 2004
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