ื“ืœื’ ืœืชื•ื›ืŸ ื”ืจืืฉื™
ื’ื™ืœ ื”ื–ื”ื‘

ื‘ื™ื˜ื•ื— ื ืกื™ืขื•ืช ืœืžื‘ื•ื’ืจื™ื 65+

ื‘ื™ื˜ื•ื— ื ืกื™ืขื•ืช ืœืžื‘ื•ื’ืจื™ื ื™ืงืจ ื™ื•ืชืจ ืื‘ืœ ื—ื™ื•ื ื™ ื‘ืžื™ื•ื—ื“. ื”ืกื™ื›ื•ืŸ ืœืื™ืจื•ืข ืจืคื•ืื™ ื‘ื—ื•"ืœ ืขื•ืœื” ืขื ื”ื’ื™ืœ, ื•ืขืœื•ื™ื•ืช ื”ื˜ื™ืคื•ืœ ื™ื›ื•ืœื•ืช ืœื”ื’ื™ืข ืœืžืื•ืช ืืœืคื™ ืฉืงืœื™ื. ื‘ืžื“ืจื™ืš ื–ื”: ืžื—ื™ืจื™ื ืœืคื™ ื’ื™ืœ, ื›ื™ืกื•ื™ ืžื—ืœื•ืช ืจืงืข, ื•ื”ืฉื•ื•ืืช ื—ื‘ืจื•ืช.

ื”ืฉื•ื•ื” ื‘ื™ื˜ื•ื—ื™ื
ืœืคื™ ื’ื™ืœ

ื–ืžื™ื ื•ืช ื•ืžื—ื™ืจื™ื ืœืคื™ ืงื‘ื•ืฆืช ื’ื™ืœ

ื’ื™ืœ ื–ืžื™ื ื•ืช ืžื›ืคื™ืœ ืžื—ื™ืจ ื”ืขืจื•ืช
60-65 ืจื•ื‘ ื”ื—ื‘ืจื•ืช 1.5x ืžื—ื™ืจื™ื ื’ื‘ื•ื”ื™ื ื‘-50%
65-70 ืจื•ื‘ ื”ื—ื‘ืจื•ืช 2x ื›ืคื•ืœ ืžื”ืžื—ื™ืจ ื”ืจื’ื™ืœ
70-75 ื—ืœืง ืžื”ื—ื‘ืจื•ืช 2.5-3x ื“ื•ืจืฉ ื”ืฆื”ืจืช ื‘ืจื™ืื•ืช
75-80 ื—ื‘ืจื•ืช ืžืขื˜ื•ืช 3-4x ื›ื™ืกื•ื™ ืžื•ื’ื‘ืœ
80+ ื ื“ื™ืจ 4-5x ืจืง ื—ื‘ืจื•ืช ืžื™ื•ื—ื“ื•ืช
ืžื—ืœื•ืช ืจืงืข

ืžื—ืœื•ืช ืงื™ื™ืžื•ืช - ืžื” ืžื›ื•ืกื”?

ืžืฆื‘ ืกื˜ื˜ื•ืก ื‘ืจื™ืจืช ืžื—ื“ืœ ืคืชืจื•ืŸ
ืžื—ืœื•ืช ืœื‘ ืžื•ื—ืจื’ ืœืจื•ื‘ ื”ืจื—ื‘ืช ืžื—ืœื•ืช ืจืงืข
ืกื•ื›ืจืช ืžื•ื—ืจื’ ืœืจื•ื‘ ื”ืจื—ื‘ืช ืžื—ืœื•ืช ืจืงืข
ืœื—ืฅ ื“ื ืžื›ื•ืกื” ืื ืžืื•ื–ืŸ ื”ืฆื”ืจื” + ืื™ืฉื•ืจ ืจื•ืคื
ืกืจื˜ืŸ (ื”ื™ืกื˜ื•ืจื™ื”) ืžื•ื—ืจื’ 5-10 ืฉื ื™ื ื‘ื“ื™ืงื” ืคืจื˜ื ื™ืช
ื ื™ืชื•ื—ื™ื ืื—ืจื•ื ื™ื ืžื•ื—ืจื’ 3-6 ื—ื•ื“ืฉื™ื ืื™ืฉื•ืจ ืจืคื•ืื™

ื—ืฉื•ื‘ ืžืื•ื“!

ื”ืจื—ื‘ืช "ืžื—ืœื•ืช ืจืงืข" (Pre-existing conditions) ื”ื™ื ื—ื•ื‘ื” ืœืžื‘ื•ื’ืจื™ื ืขื ืžื—ืœื•ืช ื›ืจื•ื ื™ื•ืช. ืขืœื•ืช ื”ื”ืจื—ื‘ื”: 20-50% ืžื”ืคืจืžื™ื”. ื‘ืœื™ ื”ืจื—ื‘ื”, ื›ืœ ืกื™ื‘ื•ืš ืฉืœ ืžื—ืœื” ืงื™ื™ืžืช ืœื ื™ื›ื•ืกื”.

ืžื—ื™ืจื™ื

ื“ื•ื’ืžืื•ืช ืžื—ื™ืจื™ื

ื›ื•ืœืœ ื”ืจื—ื‘ืช ืžื—ืœื•ืช ืจืงืข

ื™ืขื“ ื’ื™ืœ 65 ื’ื™ืœ 75
ืื™ืจื•ืคื” (ืฉื‘ื•ืข) 150-250 ืฉ"ื— 300-500 ืฉ"ื—
ืืจื”"ื‘ (ืฉื‘ื•ืข) 350-600 ืฉ"ื— 700-1200 ืฉ"ื—
ืชืื™ืœื ื“ (ืฉื‘ื•ืขื™ื™ื) 400-700 ืฉ"ื— 800-1400 ืฉ"ื—
ื”ืฉื•ื•ืื”

ื”ืฉื•ื•ืืช ื—ื‘ืจื•ืช

ื—ื‘ืจื” ื’ื™ืœ ืžืงืกื™ืžืœื™ ืžื—ืœื•ืช ืจืงืข ืจืžืช ืžื—ื™ืจ
ื”ืจืืœ 85 ื’ื‘ื•ื”
ื‘ื™ื˜ื•ื— ื™ืฉื™ืจ 80 ื‘ื™ื ื•ื ื™
ืฉื™ืจื‘ื™ื˜ (ืžื‘ื™ืช ื”ืจืืœ) 70 ื ืžื•ืš
ื˜ื™ืคื™ื

ื˜ื™ืคื™ื ื—ืฉื•ื‘ื™ื ืœืžื‘ื•ื’ืจื™ื

1

ืงื ื• ื‘ื™ื˜ื•ื— ืขื ื”ืจื—ื‘ืช ืžื—ืœื•ืช ืจืงืข

ื”ืขืœื•ืช ื”ื ื•ืกืคืช (20-50%) ืฉื•ื•ื” ืืช ื”ืฉืงื˜. ืœืœื ื”ืจื—ื‘ื”, ืกื™ื‘ื•ืš ืฉืœ ืžื—ืœื” ืงื™ื™ืžืช ืœื ื™ื›ื•ืกื”.

2

ื”ืฆื”ื™ืจื• ืืžืช ืขืœ ืžืฆื‘ ื‘ืจื™ืื•ืชื™

ื”ืกืชืจืช ืžื™ื“ืข ื™ื›ื•ืœื” ืœื‘ื˜ืœ ืืช ื›ืœ ื”ื›ื™ืกื•ื™. ืขื“ื™ืฃ ืœืฉืœื ื™ื•ืชืจ ืžืœื”ื™ืฉืืจ ื‘ืœื™ ื‘ื™ื˜ื•ื—.

3

ื‘ื“ืงื• ืชืงืจืช ื›ื™ืกื•ื™ ืจืคื•ืื™

ืœืžื‘ื•ื’ืจื™ื ืžื•ืžืœืฅ ืชืงืจื” ื’ื‘ื•ื”ื” (2+ ืžื™ืœื™ื•ืŸ ื“ื•ืœืจ), ื‘ืžื™ื•ื—ื“ ืœืืจื”"ื‘.

4

ื•ื•ื“ืื• ืฉื™ืฉ ืคื™ื ื•ื™ ืจืคื•ืื™

ื‘ืžืงืจื” ืงืฉื”, ืคื™ื ื•ื™ ืœื™ืฉืจืืœ ื™ื›ื•ืœ ืœืขืœื•ืช ืžืื•ืช ืืœืคื™ ืฉืงืœื™ื.

ืฉืืœื•ืช ื ืคื•ืฆื•ืช

ืฉืืœื•ืช ืขืœ ื‘ื™ื˜ื•ื— ืœืžื‘ื•ื’ืจื™ื

ืขื“ ืื™ื–ื” ื’ื™ืœ ืืคืฉืจ ืœืงื ื•ืช ื‘ื™ื˜ื•ื— ื ืกื™ืขื•ืช?
ืจื•ื‘ ื”ื—ื‘ืจื•ืช ืžื‘ื˜ื—ื•ืช ืขื“ ื’ื™ืœ 75-80. ื—ื‘ืจื•ืช ืžืกื•ื™ืžื•ืช (ื›ืžื• ื”ืจืืœ) ืžื‘ื˜ื—ื•ืช ืขื“ ื’ื™ืœ 85. ืžืขืœ ื’ื™ืœ 85 ื›ืžืขื˜ ืื™ืŸ ืืคืฉืจื•ืช ืœื‘ื™ื˜ื•ื— ืจื’ื™ืœ - ื™ืฉ ืœืคื ื•ืช ืœื—ื‘ืจื•ืช ื”ืžืชืžื—ื•ืช ื‘ืžื‘ื•ื’ืจื™ื ืื• ืœืกื•ื›ืŸ ื‘ื™ื˜ื•ื— ืฉื™ื—ืคืฉ ืคืชืจื•ืŸ.
ื”ืื ืžื—ืœื•ืช ืจืงืข ืžื›ื•ืกื•ืช?
ืœื ืื•ื˜ื•ืžื˜ื™ืช. ืฆืจื™ืš ืœืงื ื•ืช ื”ืจื—ื‘ื” ืœ"ืžื—ืœื•ืช ืงื™ื™ืžื•ืช" (Pre-existing conditions) ื‘ืขืœื•ืช ืฉืœ 20-50% ื ื•ืกืคื™ื. ื—ืฉื•ื‘ ืœื”ืฆื”ื™ืจ ืขืœ ื›ืœ ื”ืžื—ืœื•ืช - ื”ืกืชืจื” ืชื‘ื˜ืœ ืืช ื”ื›ื™ืกื•ื™. ื’ื ืขื ื”ืจื—ื‘ื”, ื™ืฉ ื—ืจื™ื’ื™ื ืขืœ ืžืฆื‘ื™ื ืœื ื™ืฆื™ื‘ื™ื.
ืœืžื” ื‘ื™ื˜ื•ื— ืœืžื‘ื•ื’ืจื™ื ื™ืงืจ ื›ืœ ื›ืš?
ื”ืกื™ื›ื•ืŸ ืœืื™ืจื•ืข ืจืคื•ืื™ ืขื•ืœื” ืขื ื”ื’ื™ืœ. ืžื‘ื•ื’ืจ ื‘ืŸ 75 ื ืžืฆื ื‘ืกื™ื›ื•ืŸ ื’ื‘ื•ื” ืคื™ 3-4 ืžืฆืขื™ืจ ื‘ืŸ 30. ื‘ื ื•ืกืฃ, ื”ื˜ื™ืคื•ืœ ื”ืจืคื•ืื™ ื‘ืžื‘ื•ื’ืจื™ื ื‘ื“ืจืš ื›ืœืœ ืžื•ืจื›ื‘ ื•ื™ืงืจ ื™ื•ืชืจ. ื—ื‘ืจื•ืช ื”ื‘ื™ื˜ื•ื— ืžืชืžื—ืจื•ืช ืœืคื™ ื”ืกื™ื›ื•ืŸ.
ืžื” ืœืขืฉื•ืช ืื ื”ื‘ื™ื˜ื•ื— ื“ื•ืจืฉ ื”ืฆื”ืจืช ื‘ืจื™ืื•ืช?
ืžืœืื• ื‘ื›ื ื•ืช ื•ืžืคื•ืจื˜. ืฆื™ื™ื ื• ื›ืœ ืชืจื•ืคื” ืงื‘ื•ืขื”, ื›ืœ ืžื—ืœื” ื›ืจื•ื ื™ืช, ื›ืœ ืืฉืคื•ื– ื‘-5 ืฉื ื™ื ืื—ืจื•ื ื•ืช. ืœืคืขืžื™ื ื”ื—ื‘ืจื” ืชื‘ืงืฉ ืื™ืฉื•ืจ ืžืจื•ืคื. ื–ื” ืœื•ืงื— ื–ืžืŸ - ืืœ ืชื—ื›ื• ืœืจื’ืข ื”ืื—ืจื•ืŸ.
ื”ืื ื›ืจื˜ื™ืก ืืฉืจืื™ ืžื›ืกื” ืžื‘ื•ื’ืจื™ื?
ื”ื›ื™ืกื•ื™ ื‘ื›ืจื˜ื™ืก ืืฉืจืื™ ืžื•ื’ื‘ืœ ืžืื•ื“ ืœืžื‘ื•ื’ืจื™ื: ืชืงืจื” ื ืžื•ื›ื” (50,000-100,000$), ืœื ืžื›ืกื” ืžื—ืœื•ืช ืงื™ื™ืžื•ืช, ืœืขืชื™ื ื™ืฉ ื”ื’ื‘ืœืช ื’ื™ืœ. ืœื ืžื•ืžืœืฅ ืœื”ืกืชืžืš ืขืœื™ื• ื›ื‘ื™ื˜ื•ื— ืขื™ืงืจื™.

ืจืื” ื’ื:

ื‘ื™ื˜ื•ื— ื‘ื”ืจื™ื•ืŸ ื‘ื™ื˜ื•ื— ื‘ื™ื˜ื•ืœ ื—ื–ืจื” ืœื‘ื™ื˜ื•ื— ื ืกื™ืขื•ืช

ืจื•ืฆื” ื”ืฆืขืช ืžื—ื™ืจ ืžื•ืชืืžืช ืื™ืฉื™ืช?

ื”ืฉืื™ืจื• ืฉื ื•ื˜ืœืคื•ืŸ โ€” ื ืฉื•ื•ื” ืขื‘ื•ืจื›ื ื‘ื™ืŸ ื—ื‘ืจื•ืช ื”ื‘ื™ื˜ื•ื— ื”ืžื•ื‘ื™ืœื•ืช. ื—ื™ื ื ื•ืœืœื ื”ืชื—ื™ื™ื‘ื•ืช.

ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ
ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ ื—ื™ื ื