Umkhombandlela wokufunda lula ngokumalunga nemigaqo-nkqubo ye-inshorensi yokuhamba
Mhlawumbi awufumani ukuxoxa ngesihloko kunye nabahlobo bakho nabamelwane, kwaye i-inshorensi yokuhamba ayisoloko ipapashwa kumajelo amakhulu ngokuzonwabisa ngabantu (okanye izilwanyana, ngaleyo nto). Ezinye iinkqubo ze-inshorensi esizithengayo - ubomi, impilo, imoto kunye nekhaya-zonke zizichaza zona. Kodwa yintoni enye i- inshurensi yokuhamba ?
Inkcazo elula ye-inshurensi yokuhamba
Ngokulula, i-inshurensi yokuhamba iyona ndlela ekhethekileyo, eyenzelwe ukukhusela impilo yakho kunye ne-asethi kwisiganeko into ehamba kakuhle ngexesha lakho leentlanga emhlabeni jikelele.
Nangona akuqhelekanga ukuthenga i-inshurensi yohambo ngohambo lwakho lwasekhaya, unokufumana amathuba okuhamba nge-inshorensi yokuhamba ngamazwe ngamazwe. Ngokukhethekileyo uza kufumana iminikelo yomshuwalense yokuhamba xa kuziwa ekuhambeni ukuya kwiintlanga ezincinci eziphucukileyo, okanye kwiindawo zehlabathi ezinokungqubana.
Ngaba awuyi kuhamba nge-inshorensi ilahleka i-inshorensi yam yangoku?
Lo ngumbuzo ovame ukubuzwa xa abahambi baqwalasela ukongeza umgaqo-nkqubo we-inshurensi yokuhamba kwindawo yabo yokupakisha. Ngoxa ubomi bakho kunye neminikelo yakho yempilo luya kugubungela into eyenzekayo xa uhamba ngelizwe lakho lekhaya, ezo zibonelelo akunakwandiswa kuwe xa uhamba ngamazwe ngamazwe. Oku kunjalo ngokukodwa kwabo baseMedare: ngelixa i-Medicare iza kwandisa iinzuzo xa i-United States okanye intsimi yase-United States (kuquka iPuerto Rico, i-US Virgin Islands, i-Guam, i-Northern Mariana Islands, okanye i-American Samoa), unakho abanako ukufikelela kwiinzuzo xa behamba ngamazwe ngamazwe.
Ngaba ndifuna inshuwalense yokuhamba ukuya kwelinye ilizwe?
Lo ngumnye umbuzo oqhelekileyo-kodwa unzima kakhulu ukuphendula. Xa uhamba kwiindawo ezininzi ezisentshona, njengeCanada, i-United Kingdom, iIreland, iFransi, iSpeyin, okanye iJamani, awuyi kucelwa ukuba unikezele ubungqina bomshuwalense wokuhamba.
Oko kuthethwa, i-inshurensi yokuhamba iyakwazi ukukunceda kule ntlanga ukuba ugula okanye ukalimala ngexesha lokuhlala kwakho.
Emazweni asathuthuka ehlabathini lonke, i-inshurensi yokuhamba ikhuthazwa kakhulu kwizizathu ezininzi. Ngokomzekelo, iziseko zezempilo kunye nezococeko kwiintlanga zonke zingenakwakhiwa kwimigangatho efanayo nehlabathi lasentshona. Ngenxa yoko, umpompo wamanzi unokuba neepasasites, kwaye izibonelelo zezibhedlele zingenakunika inqanaba elifanayo lokunakekelwa njengokuba uza kufumana ekhaya. Kule meko, i-inshurensi yokuhamba iyakwazi ukuncedisa ukufumana izibonelelo zokunakekelwa okwaneleyo, kwaye (kwiimeko ezithile) ukulungiselela ukukhutshwa kwonyango xa kwenzeka unxunguphako.
Ngakolunye uhlangothi, amanye amazwe angafuna ukuba uhambe nenqubomgomo yomshuwalense wokuhamba ngaphambi kokuba ungene ezweni labo. Umzekelo: ukuze usebenzise isicelo sokutyelela iRashiya, i-ambassy oyifaka isicelo ingacela ubungqina bomshuwalense wokuhamba ngaphambi kokukhupha i-visa evumelekileyo, ngaphezu kwamanye amaxwebhu. Kwaye abahambi abavakatye iCuba bahlala befuneka ukuba baphathe ubungqina benkqubo ye-inshurensi yokuhamba, okanye mhlawumbi banyanzelekile ukuba bathenge ipolisi evela kwinkampani yendawo ngaphambi kokungena.
Ndingafumana phi uluhlu lweenkampani zomshuwalense?
Ngenjongo yolwazi, isebe likaRhulumente ligcina uluhlu lwababoneleli bomshuwalense e-United States.