Umshwalense wami wezempilo uhlanganisa izinqubo zokuvimbela ezifana nemithi yokugoma ngo-100%. Kodwa ngiyazi ukuthi abanye abahlinzeki bokunakekelwa kwezempilo bakhokhisa "imali yokuvakasha" ngaphezu kwemali yokugoma. Uyini umehluko phakathi kokuthola umuthi wokugoma emtholampilo nasemakhemisi? Ingabe ukuthola umuthi wokugoma emtholampilo (njengasemtholampilo omncane) kuzoholela ekukhokhweni?
Umehluko omkhulu phakathi kokuthola umuthi wokugoma emtholampilo nasemakhemisi uhlobene nendawo kanye nezindleko ezingase zibe khona.  Ukusetha: Umtholampilo, onjengomtholampilo omncane, uyisikhungo sokunakekelwa kwezempilo esincane esinikeza izinsizakalo zezokwelapha eziyisisekelo, kufaka phakathi ukugoma. Imvamisa iqashwe ngabahlengikazi abaqeqeshiwe noma abasizi bezokwelapha, futhi ingaxhunyaniswa nesikhungo sezokwelapha esikhulu. Imitholampilo emincane ivame ukutholakala ezitolo ezidayisa izinto, njengamakhemisi noma izitolo ezinkulu. Ngakolunye uhlangothi, ikhemisi liyindawo lapho kunikezwa khona imithi futhi linganikeza nezinsizakalo zokugoma. Amakhemisi amaningi anezisebenzi zokwelapha eziqeqeshelwe ukunikeza imithi yokugoma.  Imali ekhokhwayo Kokubili imitholampilo namapharmacy kungakhokhisa imali yokugoma, kodwa le mali ingase ihluke. Ngokuvamile, imali yokugoma ihlanganisa izindleko zomuthi wokugoma ngokwawo, kuyilapho imali yokuvakasha noma yokugoma ihlanganisa izindleko zokuqashelwa uchwepheshe wezokunakekelwa kwezempilo ukuba aphathe umuthi wokugoma. Uma kuziwa ekuvikelweni umshuwalense wezempilo, izinhlelo eziningi ziyihlanganisa ngokugcwele inqubo yokuvimbela njengokugoma. Kodwa-ke, ukukhokhelwa kwemali yokuvakasha noma yokwelashwa kungahluka kuye ngohlelo lwakho lomshwalense nendawo lapho uthola khona umuthi wokugoma.  Ukuze ugweme ukukhokhiswa okungalindelekile, kubalulekile ukuqinisekisa le mininingwane elandelayo:  Buza umshwalense wakho ukuze uqinisekise ukuthi yini ehlanganisiwe nokuthi zikhona yini izindleko ongazikhokhela. Buza emtholampilo noma ekhemisi mayelana nezindleko ezingase zibe khona ngaphambi kokuhlela isikhathi sokugoma. Lokhu kuhlanganisa ukubuza ngemali yokugoma kanye nanoma yiziphi izindleko zokuvakasha noma zokuphatha. Ekugcineni, kungakhathaliseki ukuthi ukhetha ukuthola umuthi wokugoma emtholampilo noma ekhemisi, kubalulekile ukuqonda izindleko ezingaba khona ezihilelekile nokuthi umshwalense wakho usebenza kanjani kulezo zindleko.