Ngaphambi kokuba uthenge i-inshorensi yokuhamba, jonga i-inshorensi yakho yangoku yakho ukuze ufumene ukuba ngubani umgcini we-inshorensi oza kuhlawula kuqala kwaye ukuba loo ntlawulo iya kuthintela njani inzuzo yakho yokuphila. Unokuba ngcono ekuthengeni i-inshorensi yempilo ye-inshurensi yezempilo yokuhamba kwikhorensi yakho ye-inshorensi yempilo yangoku, nangona ixabisa kakhulu kunomgaqo-nkqubo we-inshurensi yokuhamba, ukwenzela ukuba ugweme ukunciphisa ukunciphisa ixesha lokuphila kwakho.
Isifundo seKhanada yaseCanada
Ngo-Matshi 2016, i-Canadian Broadcasting Corporation yapapasha inqaku elijolise kwiinkalo eziyinkimbinkimbi, ezibalulekileyo zokuhlawula kuqala kunye neenkcazo zenkxaso-mali kwiimigaqo-nkqubo ye-inshorensi yokuhamba. Eli nqaku lixelela ibali labantu baseCanada abathengela i-inshurensi yonyango yokuhamba, eholide e-US, kwaye bafumana ingxaki yempilo enobungozi. Umfazi unesifo esisongela ubomi kunye nesibhedlele. Xa wayenempilo ngokwaneleyo yokuya ekhaya, wafaka ibango kunye nenkampani yomshuwalense yehambo.
Nangona kunjalo, loo nto isibini esingaziyo, yinto yokuba inkampani yomshuwalense yokuhamba, njengomntu ngamnye ophantsi kwinsyhurensi yonke indawo, yayiquka icandelwana lesigxina kunye nesigatya sokuqala sokuhlawulwa kwisitifiketi sayo somgaqo-nkqubo, evumela ukuba inkampani iqokelele enye yemali ibango ukusuka Umniki-nshorensi wezempilo owenzela umtshato - umshwalense ohlawula unyango olungagqitywanga ngokupheleleyo phantsi kwecebo likazwelonke lezempilo laseCanada.
Ukuba loo ntlawulo ibalwa ngokumalunga nenkxaso-mali yamakhosikazi engama-CDN 500,000, ukunciphisa i-CDN 97,000. Kumntu okulindele ukuba aphile iminyaka emininzi - uneminyaka engama-67 - oku kunokuba yingozi, njengoko inokukhupha imali yomshuwalense ukuhlawula imiyalelo, unyango lomzimba kwaye, mhlawumbi, ezinye iindlela zokwelapha ezifunyenwe ngaphandle kwiphondo lasekhaya.
Amagatya okuqala
Amagatya okuqala ahlawulayo aqhelekileyo kwishishini lomshuwalense. Imigaqo-mfutshane yesikhashana, njenge-inshurensi yokuhamba okanye umonakalo wokutshatyalaliswa kwe-inshurensi yokukhupha imoto yakho yerenti, iya kuhlawula ngokuqhelekileyo ibango kuphela emva kokuba i-policy yexesha elide lihlawule. Oku kuthetha ukuba i-inshurensi yakho yempilo, i-inshurensi yemoto okanye inkampani yinshurensi yomnini-mali iya kuhlawula kuqala, kwaye inkampani yomshuwalense yokuhamba okanye inkampani yokuqeshisa imoto iya kubamba naziphi na izimangalo ezingahlawulwanga.
Ukuba wenza ibango malunga ne-inshurensi yokuhamba nge-inshurensi okanye inkampani yokuqeshisa imoto, igatya lokuqala lokuhlawula liya kusebenza. Kwimeko yebango le-inshuwalense yemoto, into ebi kakhulu enokuthi yenzeke iya kukhishwa umgaqo-nkqubo womshuwalense wemoto ngenxa yeebango ezingaphezulu. I-inshurensi yezempilo, njengoko umzekelo wethu ukhankanywe ngentla, ungabangela ingxaki.
Ukusetyenziswa kweNgcasiso
Isigatshana esisigxina somgangatho wesigqibo somgaqo-nkqubo we-inshorensi yokuhamba sibheka into enje:
"Kwinqanaba le-inshurensi elihlawulela ukulahlekelwa yi-Insured, i-inshurensi iya kuthatha amalungelo kunye nezilungiso kuMshurensi oye wahambelana nokulahlekelwa. ngenxa yokulahleka kwayo.
Oku kungabandakanya ukutyikitya nawaphi na amaphepha kwaye uthathe nawaphi na amanyathelo atyhuseli angayifuna . "(Umthombo: TravelGuard )
Eli gatya linika i-inshurensi yokuhamba nge-inshurensi imvume yokufumana impindiselo evela kwabanye abaqinisekisayo okanye amaqela angabonwa njengabakhokheli bokuqala kwibango lakho, nokuba ngaba amaqela anesiphene (oko kukuthi unembopheleleko ngokomthetho) okanye ngenxa yokuba iinkampani ze-inshorensi zabizwa ngokuba ngabahlawuli bokuqala kwipolisi yomshuwalense wakho wokuhamba. Ngokuvumelana nesigatshana sesigxina, unikezela inkampani yomshuwalense imvume yokusebenza egameni lakho ukudibanisa nabanye abatshutshisi kwaye ufumane le ntlawulo.
Uthotho lugxininiso alugcini nje kwiimangalo zomshuwalense wokuhamba. Ukuba usengozini yemoto, umzekelo, inkampani yakho yomshuwalense inokuhlawula umonakalo kwimoto yakho okanye unyango lwakho, kodwa, ukuba omnye umqhubi unqunywe ukuba ube nephutha, inkampani yakho ye-inshorensi iya kubuza umgcini-mali umqhubi ukuba abuyisele ngenxa yezo ndleko, ngamanye amaxesha ngaphandle kokukuxelela.
Ngokuxhomekeka kwindawo ohlala kuyo kwaye luhlobo luni lwe-inshurensi onayo, izigatshana zokuqala zokuhlawula kunye nezivumelwano zentlawulo yesigxina zingenakho umphumo kwiinshurensi zakho ze-inshorensi zexesha elizayo, okanye zinokuchaphazela kakhulu inzuzo yakho yokuphila.
Abahlali bamazwe ahlukeneyo bajongana neengxaki ze-inshurensi yokuhamba ngeendlela ezahlukeneyo
Abemi boBukumkani baseUnited States bafumana izivumelwano zempilo yomshuwalense yezempilo kunye namazwe amaninzi kwi-Economic Area yaseYurophu kunye neSwitzerland ne-Australia. Ngenxa yoko, ababoneleli be-inshurensi yohambo banganqabanga ukuhlawula izimangalo zezokwelapha ezifakwe ngabahambi abavela e-UK abangayifumani iKharityhulam Yomshuwalense Wezempilo YaseYurophu ngaphambi kokuhamba okanye abangabhalisi kwi-Medicare yase-Australia (inkqubo ye-inshorensi yezempilo) xa befuna unyango lwelo lizwe. Izivumelwano ezihambelanayo zokuhamba kunye namanye amazwe angavumela abahlali base-UK ukuba bafumane unyango lwamaziko olungahlawulelwayo okanye oluxhasayo ngenkxaso. qhagamshelana newebhusayithi yeNational Health Service ukuze uthole iinkcukacha.
Ndihlala eUnited States, kwaye, emva kokufunda icandelo leCBC elikhankanywe ngasentla, ndakhangela yonke imigaqo yolwazi kunye nenzuzo ekhoyo kwiprogram yomshuwalense wezempilo. Andiyifuni, njengokuba ndiyazi, sinomxholo wokuphila kwimivuzo-ubuncinane nje ngokuba ndikwazi ukufikelela esi sicwangciso. Umshuwalense wam impilo yomshuwalense uya kufuneka akhokhe kuqala xa ndithenga ipolisi yomshuwalense wokuhamba kwaye ndifake ibango, kodwa andiyi kulahlekelwa zibonelelo njengenxalenye yale nkqubo. Abahambi baseCanada abanemigaqo-nkqubo ye-inshorensi yempilo yimeko ehluke ngokupheleleyo.
Qhubeka ukhumbule ukuba iingxaki ezithintela isibini saseCanada kwinqaku leCBC echazwe ngasentla zihambelana nento yokuba abemi baseCanada banokuthi bathenge i-inshurensi yempilo yonyango eyongeziweyo ngaphezu kwenkqubo yomshuwalense wezempilo bonke abemi abayifumanayo. Leyo ngxelo ihamba kunye nenzuzo ebalulekileyo yokuphila, kwaye ayifuni iifake zonke iindleko ezenzekayo ngelixa uhamba ngaphandle kwiphondo lakho lasekhaya.
Isibini esichazwe kwinqaku le-CBC sinokubheka iphepha le-inshuwalense yokuhamba kwinqanaba le-planner ye-health care provider, iPacific Blue Cross, kwaye ufunde ulwazi olulandelayo lwecebo lokuhamba: "Ukuba unesicwangciso sezempilo esongeziweyo kunye nePacific Blue Cross , iSicwangciso sakho sohambo siya kuba ngumvuzo wokuqala. Lokhu kukukhusela umda wokuphila kwiprogram yakho yezempilo. Baye bafunda isitifiketi somgaqo-nkqubo we-inshorensi yokuhamba kwaye bajonga isigxina kunye namagatya okuqala okuhlawula. Kwakhona nabo babenokuthetha nenkampani yomshuwalense yokuhamba kwaye babuze malunga neenkqubo zokuhlawula, kodwa, njengathi baninzi bethu, bebengayazi ngokwaneleyo malunga neentlawulo zokuqala zokuhlawula kunye neengxowankulu zokungena phantsi ukuze baqale ukubuza imibuzo efanelekileyo.