Idinga ukufakelwa izipopolo kahle eyomshwalense wezempilo, kuloba uBusi Mavuso
OSOMABHIZINISI bakulangazalele ukubona wonke umuntu eNingizimu Afrika enomshwalense wezempilo kodwa kufanele kube yinto ezokwenziwa ngendlela esizokwazi ukumelana nayo futhi ezokwenza sikwazi ukusebenzisa izinsiza uhulumeni anazo.
Indlela umthethosisivinyo womshwalense wezempilo i-National Health Insurance (iNHI) osanda kuphasiswa ePhalamende obhalwe ngayo, ngeke ukwenze loko.
Ngibona ukuthi indlela iNHI ebhalwe ngayo kumthethosivivinyo okhona okwamanje, izokwenza izinto zibe zimbi kakhulu kubantu baseNingizimu Afrika futhi kuzoba nzima ukuthi uhulumeni uhlinzeke ngosizo kanti ezempilo ezizimele kufana nokuthi zizovalwa.
Indlela okuzokwenzeka ngayo wukuthi kuzoba uhulumeni kuphela ozothengela abantu usizo lwezempilo. Izinkampani ezizimele ezihlinzeka ngomshwalense wezempilo zizophenduka izinkampani ezihlinzeka ngosizo olungatholakali kuhulumeni kuphela.
Le ndlela izinto ezenzeka ngayo ikhombisa ukuthi ayikho into efundiwe ngokuthi kusiza kangakanani uma uhulumeni usebenzisane nosomabhizinisi. Inkinga kagesi iyisibonelo esihle saloku. Kwathi uma kwethulwa uhlelo lokuphehla ugesi olufaka imboni ezimele, kwanyuka isibalo semisebenzi ehlose ukwandisa ugesi.
Uma inxeshezelwa futhi ikhuthazwa ngendlela efanele imboni ezimele iyakwazi ukulekelela imizamo kahulumeni, iphuthumise ukutshala imali edingekayo futhi inciphise izindleko kuhulumeni nakubantu.
Le ndlela yokwenza izinto ibonakale kahle nakuyona imboni yezempilo. Ngesikhathi se-COVID-19 osomabhizinisi nohulumeni basebenzisana kakhulu ukuthola imishini nemithi eyayidingeka ukunqanda ubhubhane, ukukhipha umgomo ngokushesha nokuxhasa eminye imizamo ngemali.
Kwacaca bha ukuthi uthola imiphumela emihle yezempilo futhi ngokushesha uma uhulumeni nosomabhizinisi besebenzisana, wonke umuntu egxila entweni akwazi ukuyenza kahle.
Kusetshenziswane kahle futhi ukuhlinzeka ingqalasizinda efana nesibhedlela iNkosi Albert Luthuli eKwaZulu-Natali ezosetshenziswa esibhedlela iTygerberg eNtshonalanga Kapa ngokubambisana phakathi kukahulumeni nemboni ezimele.
Uma sibheka lezi zibonelo zokusebenzisana, kufanele sikhumbule isimo ezempilo zikahulumeni ezikusona, njengoba uMxazululi wezeMpilo osethi khumu uSolwazi uMalegapuru Makgoba esanda kusho ukuthi azikayilungeli iNHI futhi uthe izinga lezempilo liyehla ezifundazweni eziningi.
Ukuncintisana nokuthi iziguli zikwazi ukuzikhethela kumqoka kwezempilo. Kunciphisa ukona izinto, kugqugquzela ukuthi kuqhanyukwe nezinto ezintsha futhi kwenza abantu bomshwalense nabanye abahlinzeka ngezempilo benze okufunwa yiziguli.
Ukuba nomuntu oyedwa ozonquma ukuthi iziguli zidingani kwenza angabi bikho kahle umuntu ozophendula njengoba isiguli singeke sisakwazi ukuzikhethela.
Kunaloko, kufanele kube yinqubo eyodwa eyengamela ukuhlinzeka ngezempilo ukuqinisekisa ukuthi kunohlonze, kuxazulule inkinga yokuthi iziguli ngeke zisakwazi ukuzikhethela abantu ezifuna bazelaphe.
Izindleko zokugada nokwengamela umsebenzi zizokwanda uma usizo luzoba sezingeni elifanele, okusho ukuthi kuzogcina kungasho lutho ukuthi kuzokongiwa ngoba abantu bazoba baningi. Iqiniso wukuthi indlela izinto eziyiyona kwamanje, ezempilo zivele ziyehluleka ukubheka ukuthi usizo lusezingeni.
Amanye amazwe asethole izindlela ezingcono zokuhlinzeka ngosizo lwezempilo olunakekela wonke umuntu kodwa futhi ibe ilandelwa imigomo yokuncintisana. I-Obamacare eMelika yisibonelo esihle saloku; yonke imishwalense yezempilo iyancintisana ukuze ihlinzeke abantu bakhona ngomshwalense wezempilo.
Kunezifo umshwalense okufanele uzikhokhele kanti uhulumeni ukhokhela abantu abahola ngaphansi kwemali ethile. Loku kwenza izinkampani zomshwalense zincintisane ukuze zihlinzeke amakhasimende ngamanani amahle.
Amakhasimende ayakwazi ukuzikhethela ukuthi azoluthola kuphi usizo lwezempilo aludingayo. Loku kwenza izinsiza zikahulumeni ezishodayo zigxile lapho zidingeka khona; ziseke abantu abangasebenzi nabahola imali engaphansi kweyenza bakwazi ukuzikhokhela umshwalense kube futhi kuqinisekiswa ukuthi kunezinto ezikhuthaza ukunciphisa izindleko kube kuphuculwa usizo olutholwa abantu.
Ukuhlanganisa umshwalense wezempilo ozimele nokahulumeni wumgomo osetshenziswayo nasemazweni athuthukayo anjengeThailand, lapho u-99.5% wabantu unomshwalense wezempilo ozimele ohambisana nokahulumeni, naseBrazil, lapho ezempilo zikahulumeni zisebenzisane nabemboni ezimele.
Indlela ephakanyiswe ngayo iNHI izobiza, izosebenzisa izinsizakusebenza zikahulumeni futhi izosinyusela intela sonke. Kepha okubaluleke kakhulu wukuthi ayikho into okufanele isenze sikholwe wukuthi usizo lwezempilo luzoba ngcono kunokwenzeka manje.
Ukukhipha imboni ezimele ohlwini lwabantu abahlinzeka ngezempilo ngaphandle kwezinto ezimbalwa okuthiwa ingengeza ngazo kufana nokuthi kuyaphela ngemboni ezimele.
Loku kuzoba ngenye yezinto ezoxosha abantu bakwamanye amazwe abazonqena ukuzosebenza eNingizimu Afrika. Asicacise ukuthi kuyawasiza amabhizinisi ukuthi wonke umuntu akwazi ukuthola usizo lwezempilo olusezingeni kodwa akufanele loko kwenzeke ngendlela ezokona izinto.
Nginxusa uhulumeni ukuthi indlela obheka ngayo ezempilo kube yindlela efanayo yokubambisana nosomabhizinisi esiyibonile ukulungisa inkinga kagesi nezinselelo ezindala zezempilo.
Uma sibambisana, singaqhamuka nomshwalense wezempilo onganakekela wonke umuntu kahle, obiza kahle kodwa futhi kube kuqinisekiswa ukuthi asicekeli phansi lezo zingxenye zemboni yezempilo ezisebenza kahle.
- UNksz uMavuso uyisikhulu esiphezulu seBusiness Leadership South Africa