Uphando olusandul 'uhambo lwe-insureMyTrip luye lwabonisa ukuba inani elinobukhulu labantu baseMerika lingaqondakali malunga nokuba bafunyaniswe unyango xa behamba ngaphandle kwelizwe.
Ukuba ummi waseMerika ugula kakhulu okanye akhatywe phesheya, igosa lonxibelelwano elivela kwi-ambassy yase-United States okanye i-consulate inokukunceda ekufumaneni iinkonzo ezifanelekileyo zezokwelapha kunye nokwazisa intsapho okanye abahlobo bakho.
Kodwa ukuhlawulwa kwesibhedlele nezinye iindleko ngumthwalo wesigulane.
Inhlolovo ye-InsureMyTrip yabaphenduli aba-800, phantse enye yesithathu ayengazi ukuba umniki-nkonzo we-inshorensi wonyango uza kubhalela nayiphi na ugqirha okanye ukutyelelwa esibhedlele ngaphandle kwe-US Amashumi mabini anesithoba ekholelwa ukuba i-inshurensi yabo inikezela ukuxhaswa, ngelixa ama-34 ekhulwini acinga ukuba i-inshorensi yabo ayayi kunika ukufihla.
Inqanaba lokwaziswa kwezokwelapha olutholakalayo ukuhamba kwamanye amazwe lungahluka ngokubanzi, kuxhomekeke kumniki-nkonzo wakho wezempilo kunye nesicwangciso. Abanikezeli be-inshurensi abanjengeBlue Cross kunye neBlue Shield, i-Cigna, i-Aetna inokubonelela ngokukhawuleza kunye nokukhathalela ngokukhawuleza ukunyamekela ngaphandle kodwa inkcazo engxamisekileyo ingahluka.
Ukuhamba nootatomkhulu? I-Medicare ayiyi kukhawuleza ihlawule ukunyamekela esibhedlele, ukutyelela ugqirha, okanye iinkonzo ze-ambulensi kwilizwe langaphandle. IPuerto Rico, ii-Virgin Islands zase-US, iGamam, iIntan Mariana Islands kunye ne-American Samoa zibhekwa njengenxalenye ye-United States.
Ukuba umntu kwiqela lakho lokuhamba libhaliswe kwi-Medicare, unokukwazi ukuthenga umgaqo-nkqubo we-Medigap ukukhusela unyango olungxamisekileyo olufunyenwe ngaphandle kwe-United States. Lo mgaqo uhlawula iipesenti ezingama-80 zeerhafu ezihlawulweyo zonyango ngaphandle kwe-US emva kokudibana ne-$ 250 ngonyaka. I-Medigap ishicilelo sinomda wokuphila wama-$ 50,000.
Yintoni enokuyibuza Umshurensi wakho wezeMpilo
Indlela yodwa yokwazi ngokuqinisekileyo ukuba isicwangciso sakho se-inshorensi ephilileyo siyakuzibuza. Ngaphambi kokuba ushiye uhambo lwamazwe ngamazwe, biza umnini-nkonzo wakho we-inshurensi kwaye ucele ukuphonononga isatifikethi sokubhengezwa kwenkcazo yezibonelelo. Nazi iibhozo imibuzo ekufuneka uyibuze:
- Ndingayifumana njani iibhedlele ezigqityiweyo kunye noogqirha endawo? Xa ukhetha ugqirha, qiniseka ukuba unokuthetha ulwimi lwakho.
- Ingaba i-inshorensi yam ikhupha iindleko ezixakekileyo ngaphandle kwamanye amazwe njengokundibuyisela eUnited States unyango xa ndigula kakhulu? Qaphela ukuba abaninzi bomshuwalense badonsa umgca phakathi "nokunakekelwa okukhawulezileyo" kunye "nokunakekelwa ngongxamiseko." ebhekisela ngokukodwa kwiimeko zokuphila okanye ezinobungozi.
- Ingaba i-inshurensi yam iquka izinto ezinobungozi obuphezulu njengento yokuhamba, ukukhuphuka kweentaba, ukuhamba nge-scuba kunye ne-off-roading?
- Ingaba umgaqo-nkqubo wami uphawula imeko ekhoyo ngaphambili?
- Ngaba inkampani yam inshorensi ifuna ukugunyazwa kwangaphambili okanye imbono yesibini phambi kokuba unyango olungxamisekileyo luqalise?
- Ingaba i-inshurensi yam nkampani iqinisekisa ukuhlawulwa kweentlawulo zezempilo?
- Ingaba i-inshurensi yam inkampani iya kuhlawula izibhedlele zangaphandle kunye noogqirha bangaphandle?
- Ingaba i-inshurensi yam inkampani ineziko le-24 lenkxaso-ngogqirha?
Ukuba umgaqo-nkqubo we-inshorensi yempilo unikeza inkxaso ngaphandle kwe-United States, khumbula ukupakisha ikhadi lakho lesazisi yomshuwalense, inombolo ye-hotline inombolo, kunye nefom yefowuni.
Iinkampani ezininzi ze-inshorensi zempilo ziza kuhlawula iindleko zebhedlele ngaphandle kweso sikolo, kodwa iSebe lase-United States li lumkisa ukuba iinkampani ezimbalwa ze-inshorensi zempilo ziya kuhlawulela ukukhutshwa kwonyango kwi-United States. imeko kunye nendawo.
Ukuba unengxaki yezobugqirha zangaphambili, kufuneka uhambise ileta evela kumgqirha wakho, uchaze imeko yonyango kunye nayiphi na imishanguzo yonyango, kuquka negama eliqhelekileyo leziyobisi ezimiselweyo. Shiya nayiphina imithi oyithwalayo kwiingxowa zawo zokuqala, ezibhalwe ngokucacileyo. Qiniseka ukuba ukhangele kunye ne-ambassy yangaphandle yelizwe oya kutyelela okanye uhamba ngokuya kwindlela ukuze uqiniseke ukuba amayeza akho ayithathwa njengemichiza engekho mthethweni kweli lizwe.
Ukufumana imiba engakumbi yezokwelapha kwiholide, cinga ngoDkt Phil Phil Doctor on Demand app, okukuvumela ukuba uxoxe ngevidiyo kunye nodokotela kwi-flat $ 40.