Ngaphambi kokuba uthenge isicwangciso seMigca eyisixhenxe, khangela zonke iinketho zabo zokufikelela.
Ngokusekelwe kwinqanaba lase-Indianapolis laseKarmeli, e-Indiana, amaMandla asixhenxe aqala ishishini njenge-Specialty Risk International ngo-1993 ngabaphathi be-inshorensi uJim Krampen noJustin Tysdal. Inkampani ekugqibeleni yaguqula igama labo kwiiNqwelombiso ezisixhenxe-mhlawumbi ukubhekisela kumazwekazi asixhenxe ehlabathi, okanye iilwandle ezixhenxe zehlabathi. Namhlanje, inkampani ichaza iinjongo zabo ngokuhambisa "i-inshorensi entsha kunye neengcebiso kunye nokufumana izicombululo ngeendlela zethu ezinobungane, ezithengisa amakhasimende." Inkampani ikhonza abahamba ngamazwe ngamazwe amaninzi e-United States, abo bashiya iU.SA ukutyelela ezinye iintlanga, amashishini, oorhulumente , kwaye kwakhona banikeze iimveliso zabo ngethungelwano lwee-ejenti.
Ukususela kwiminikelo yabo yokuphela komkhiqizo ngo-1993, inkampani ngoku inika iimveliso kunye neenkonzo ezininzi kubahambi emhlabeni jikelele. Ikampani iphinda ilawulwe izicwangciso zenkqubo karhulumente, isebenze njengomlawuli obhaliweyo jikelele, kwaye inika umzanyana, u-24/7 uncedo lokuhamba, kunye neenkonzo zokulawulwa kweimeko zonyango.
Iinqununu ezisixhenxe zilinganiswe njani?
Nangona zonke izicwangciso zilawulwa yiMigca eyisixhenxe, abambalwa abahlukahlukeneyo babonelela ngemveliso ye-inshorensi eyabathengisayo. Imveliso ibhalwe phantsi ngabanye abaQinisekisa phantsi, iLloyds yaseLondon, i-Tramont Insurance Company Limited, i-Advent Syndicate 780 kwi-Lloyds yaseLondon, Inkampani ye-Inshurensi yoMlilo yase-United States kunye nabanye. Phakathi kwabangaphantsi kwe-Underwriters, iNkampani Yomshuwalense Womlilo waseUnited States ine-"A" (efanelekileyo) kunye nokujonga okuzinzileyo kwi-AM Best Services Rating.
Ngokubhekiselele ekunikeni umgaqo-nkqubo kunye nenkonzo yabathengi, iiNqununu ezisixhenxe zifumene izilinganiso ezintle kumaqabane abo kunye nabathengi.
Abo bathengisa i-inshurensi yabo yokuhamba kwi-marketplace i-InsureMyTrip banikela iiNgqungquthela ezisixhenxe ukulinganisa kwee-4.5 zeenkwenkwezi (kwii-5 ezintlanu), kunye neengxelo ezingaphezulu kwama-500 ezibhalwa ngokutsha. Kwi-inshurensi yokuhamba nge-inshorensi ye-Squaremouth, iiNgqungquthela ezisixhenxe zifumene iimpendulo ezintle, kunye ne-1,500 ubuncinane ubuncinane beenkwenkwezi ezine (kwi-five).
Nangona kunjalo, inkampani ifumene iimpendulo ezingama-238 ezibi, ezimele iipesenti ezingama-0.6 zokuhlolwa kwazo zonke (i-Squaremouth ibhala ipesenteji eziqhelekileyo zokuhlaziywa okungahambiyo yi-0.4 pesenti).
Ziziphi i-Intengiso ze-inshorensi ezifumaneka ngeeMpawu ezixhenxe?
Amacandelo asixhenxe anikezela ngemveliso yomshuwalense kubo bonke abahambahambayo: abo bavela eUnited States bavela kwamanye amazwe, abo bavela kwelinye ilizwe baya ku-United States, abo bahamba bevela kwelinye ilizwe elingezona e-United States, kwaye abafundi beya kwiiklasi ngaphandle kwekhaya labo iintlanga. Iminikelo yabo inokuphulwa kwiindidi ezine: uhambo lwezohambo, ukhuseleko lokuhamba, izicwangciso zabafundi kunye nezicwangciso / izivakashi.
Nceda uqaphele: zonke iishedyuli zezibonelelo ziya kutshintsha. Ngolwazi oluphezulu lokufikelela kwirejista, qha ga mshelana neeNqununu ezisixhenxe.
Izikhokelo ezisixhenxe zohambo lwezonyango
- Unxibelelwano lwamazwe ngamazwe: Ukuthengiswa njengesicwangciso soqoqosho sabakhenkethi ngeendlela ezifutshane, ukuhanjiswa kweeNkcukacha zoHlangano kwihlabathi jikelele kuyafumaneka kwiihambo ukusuka kwiintsuku ezingama-5 ukuya kwii-45, kunye nenketho lokuvuselela ukuya kwiintsuku ezingama-45 ezongezelelweyo. Unxibelelwano lwamazwe ngamazwe unikezela imida ephezulu yokugulisa kwizonyango ukusuka kwi-$ 50,000 ukuya kwii-1 yezigidigidi, kunye neenketho ezichithwe kwi-$ 0 ukuya kwi-2,500. Ukuxhaswa kwabandakanya ukuya kuma-$ 500 kwirejista yeengozi yamazinyo kunye ne-$ 100 ukuze kukhululeke intlungu.
Ngaphantsi kocwangciso lweSizwe soLuntu, i-ambulance yangaphakathi yee-ambulensi inqabile kwi-5,000 yee-$, ngelixa ukuhlaziywa kwezonyango ezingxamisekileyo, ukubuya kwabantwana abancinci, okanye ukubuya kwezinto eziseleyo kubangelwa i $ 50,000. Esi sicwangciso asikuboneleli ngeentlekele zemvelo, ukukhutshwa kwezombusazwe , ukuhlaselwa , okanye uxanduva lomntu.
Funda iShedyuli yeeNzuzo
- I-Continental Continent: I- Continental Continent isicwangciso esiphakathi kwabafundi, ixabiso lokulinganisela kunye neenzuzo. Ukunikezela ngeendlela ezifanayo zonyango kunye nezikhetho ezichithwayo njenge-International Liaison, I-Continental Continent inikeza izicwangciso ezine ezahlukeneyo ze-coinsurance nokuba ngaphakathi okanye ngaphandle kwe-United States. Iintlawulo zee-ambulensi zendawo zibekwe njengenxalenye yesigxina esiphezulu sezokwelapha, kunye ne-$ 1 yezigidi kwimeko yokuphulukana kwonyango kunye nokubuyela ekhaya. Ngoxa ukuhanjiswa kweengxamisekileyo zonyango kunye nokubuyela kwabantwana abancinci kuyafana, ukubuya kwakho kokufa okuqhubekayo kunceda kufumaneke ukhetho lokungcwaba okanye ukutshisa indawo.
Ngeendleko ezongezelelweyo, iNtshona Koloni inika neenzuzo ezininzi ezinokuthi zibandakanye uluhlu olupheleleyo lweemeko ezingabhekana nazo. Ukuphazamiseka kokuhamba ngenxa yeentlekele zemvelo kunika ukufikelela kwi-$ 200 ngosuku ukuya kwiintsuku ezintlanu, kunye neepalami zokukhawuleza zamanani ezipapa zokukhutshwa kwezopolitiko kunye nokukhutshwa kweentlekele zemvelo. Kwimeko apho uxhoba lokuhlaselwa okanye ukuwela kwi-coma ngeli xesha, i-Continental Continent inikezela ngokukhawuleza kwongezwa kwonyango ekhethiweyo ngexesha lokuthenga.
Funda iShedyuli yeeNzuzo
- Ukubambisana Okukhulu: Kubahambi abaceba ukushiya ilizwe labo kwikhaya elide ixesha elide, i-Liaison Majestic inikezela ngokugqithiseleyo abantu abahamba ngamazwe. Ukudibanisa i-Majestic inokuthengwa ukufikelela kwiintsuku ezingama-364, kwaye ivuselelwe ukufikelela kwiminyaka emithathu. Unyulo oluphezulu lwezonyango luvela kwii-60,000 zamawaka ukuya kwii-5 ezigidigidi zeeRandi, kunye neendlela ezi-6 ezichithwe kwi-$ 0 ukuya kwi-5,000. Ukugqithiswa kwamazinyo Kuye kwandiswa kwesa kwi-$ 250 ngokukhawuleza kwintlungu kunye nokuhlaselwa kwengozi ukuya kwizinga eliphezulu lezonyango.
Izinyathelo zokuhamba ngokukhawuleza zonyuka ngama-50 ekhulwini xa kuthelekiswa neminye imikhiqizo yokudibanisa, kunye nenzuzo yentlekele yemvelo engama-250 engama ngosuku ukuya kwiintsuku ezintlanu. Abahambi bajongwa kwakhona xa kwenzeka ukuhlaselwa, ukufuna ukukhutshwa kweentlekele zemvelo, okanye ukuwela kwi-coma ngexesha lokuhamba. Ukuba unobangela ingozi kwaye ufunyanwe uxanduva, uLiison Majestic unikezela ngokukhawuleza i-$ 100,000 yokubambisa iimbopheleleko zomntu ukuba: "... izenzo zakho zokunganakwa okanye ukushiya okubangela ukuba: 1) ukulimala komntu wesithathu; 2) umonakalo okanye ukulahlekelwa kwipropati yomntu wesithathu; okanye 3) umonakalo okanye ukulahlekelwa kwipropati yomntu wesithathu.
Funda iShedyuli yeeNzuzo
IziCwangciso zoKhuselo zoKhuselo eziKhombisa
- I-Economt Roundtrip: Abahambi abachaphazelekayo malunga neengxaki zokulibaziseka kokuhamba kunye nokuphazamiseka kohambo kusebenza ngokugqithiseleyo kwi-Seven Corners 'Roundtrip yemveliso ye-inshurensi. I-Roundtrip Economy iyona nqanaba elona nqanaba eliphambili lokubhengezwa kwixabiso eliphantsi. Iziganeko zokuchithwa kokuchithwa kunye nokuphazamiseka kohambo zifakwe kwii-100 zeepesenti zendleko, ngelixa udibaniso olulahlekileyo kunye nokukhawuleza uhambo lufakwe kwi-$ 250 engaphezulu, ngokungqinelana nomda wemihla ngemihla. Abahambi bafumana ukufihla impahla elahlekileyo, eyebiweyo, okanye eyonakalisiwe, kunye nokubambezeleka kwemithwalo xa isikhwama singafiki kwiiyure ezingama-24.
Nangona akuyiyo iplani yonyango lokuqala, i-Roundtrip iimveliso zinika inani elincinci le-inshurensi yezobisi. Kwinqanaba lezoqoqosho, oku kuquka u-R10 000 kwengozi engxamisekileyo kunye nokugula kweendleko zonyango, ukuya kuma-dollar angama-750 kwiindleko zengqondo eziphuthumayo, kunye no-100,000 kwi-emergency evaption and repatriation.
Funda iShedyuli yeeNzuzo - Ukhetho lwe-Roundtrip: Phakathi komyinge ophakathi, i-Roundtrip Choice izilinganiso zexabiso eliphezulu eliphezulu ngexabiso. Kwakhona kwakhona, ukukhanselwa kohambo olufanelekileyo kuya kufakwa kwi-100 yeepesenti zeendleko zokuhamba, ngoxa ukuphazamiseka kohambo kuhlanganiswe kwi-150 pesenti yeendleko zokuhamba. Izibonelelo zokulibaziseka kokuhamba zibonelela kwi-$ 600 kwiinkcazo zokulibaziseka kweeyure ezintandathu okanye ngaphezulu, ngelixa abahambi abangaphutheli ukutyelela okanye ukuhanjiswa kwinqwelo bahlanganiswa ukuya kuma-$ 1,000 ukuba balibazisekile iiyure ezintathu okanye ngaphezulu. Ukukhawuleziswa kokukhawuleza kwemali kuqala ukuba umthwalo ungaphezulu kweeyure eziyi-12 emva kwexesha, kwaye ufikelela kwi-300 yeziganeko ezigwenxa. Xa umthwalo wesiganeko ulahlekile, ubiwe, okanye uwonakele, abahambi banokufumana i-$ 1,500 kwi-coverage.
Kodwa inzuzo enkulu enkulu yokukhetha i-Roundtrip Choice okanye ngasentla yizibonelelo zokukhusela zonyango. Ingozi engxamisekileyo kunye neendleko zonyango zonyango zonyuka zize zifike kuma-100 000, ngelixa uhambo oluphuculweyo lwangonyango kunye nokubuyela ekhaya linyuka liya kuma-500,000. Esi sicwangciso sinikezela ngemeko yokukhishwa kwemeko xa sele uthenge i-inshurensi yakho yokuhamba ngeentsuku ezingama-20 uhambo lokuqala lokuhamba, kwaye uthenge ukuhlawulelwa kuzo zonke iindleko ezingabuyiselwayo, iindleko zokuhamba.
Funda iShedyuli yeeNzuzo - I-Roundtrip Elite: Ukuba ufuna unqulo olukhuselekileyo xa uhamba ngaphandle, i-Roundtrip Elite yiyona mveliso ephezulu-phambili enika umgangatho ophezulu wokubhengezwa kwixabiso eliphezulu. NjengoKhetho oluPhezulu, ukukhanselwa kohambo kuhlanganiswe kwi-100 yeepesenti zeendleko zokuhamba, kwaye ukuphazamiseka kohambo kuhlanganiswe kwi-150 pesenti yeendleko zokuhamba. Nangona kunjalo, iinzuzo zokulibaziseka kokuhamba zinyuka zifike kuma-1,500, kwaye ziqala emva kokulibaziseka kweeyure ezintandathu okanye ngaphezulu. Iintlawulo zokunxibelelana kweenqanawa okanye ukuhanjiswa kwetyelelo zikhuphuke zifike kwi $ 1,500 ukulibaziseka kweeyure ezintathu okanye ngaphezulu. Inkcitho yokulahlekelwa kwempahla iyenyuka ifike kwi-$ 600 ukuba imithwalo ilibazisekile kwiiyure ezili-12 okanye ngaphezulu, ngelixa iifikelelo ezilahlekileyo, ezibiweyo okanye ezonakalisiweyo zinyuka ukuya kwii-2 500 zamaRandi.
Njenge-Roundtrip Choice, icebo liza neenzuzo ezinonophelo zonyango, kubandakanya ukufumana ingozi yengozi kunye nokugula kweendleko zonyango ukuya kwii-250,000 zamaRandi, kunye nokukhutshwa kwonyango oluphuthumayo nokubuyela kwi-$ 1 yezigidi. Kufuneka kwakhona ukukhishwa kwemeko ekhoyo phambi kokuba uthenge i-inshurensi yohambo lwakho kwiintsuku ezingama-20 kwindleko yakho yokuqala yokuhamba, kunye nokuthengwa kweendleko kuzo zonke iindleko zakho ezingahambi kakuhle.
Funda iShedyuli yeeNzuzo
IziCwangciso eziBasixhenxe zabafundi
- Umxhasi woLwazi: Kubafundi abaceba ukufunda ngaphandle, uMfundi weLayisoniselwano uyisicwangciso se-inshurensi yohambo olukhethekileyo ejongene neemeko zempilo eziqhelekileyo. Ubungakanani kubandakanya ukutyelela ugqirha, unyango kunye nokunyamekelwa kwengqondo. Oku kusebenza kuphela kubafundi abafundayo ngaphandle kwamazwe abo asekhaya.
Funda iShedyuli yeeNzuzo - I-Express Express yabafundi: Abo bafundi abayi kuba ngaphandle kwelizwe labo kwikhaya ixesha elide bangathanda ukuqwalasela iNgxelo yeMfundi endaweni yoko. Nangona ayinayo inqanaba elifanayo lokufikelela ngokukhawuleza njengomfundi woBambiswano, uMfundi we-Express Express unikezela inqanaba elithintekayo lokubhengezwa kulabo abaya kuphuma kuphela kwilizwe labo ngexesha elincinane.
Funda iShedyuli yeeNzuzo
Iindwendwe ezisixhenxe zeeNdwendwe kunye neziCwangciso zabaPhambukeli
- Indwendwe eNgenayo: Abavakatye abaya kuhlala eUnited States ngaphantsi kweenyanga ezintandathu banokufumana inzuzo kule nkcitho ephantsi, yexesha elifutshane. Le nkonzo yomshuwalense wokuhamba ngonyango ibandakanya abahambahambayo abanenkxalabo ngempilo yabo xa beya e-US, kwaye ikhona kubantu abancinci iintsuku ezili-14 ukuya kwi-99 ubudala.
Funda iShedyuli yeeNzuzo - Ukhetho olungenayo: Ukhetho olungenayo luyicebo elide elide, elifumanekayo kubahambi abaza eUnited States phakathi kweentsuku ezili-14 ubudala kunye neminyaka eyi-69 ubudala. Esi sicwangciso sinikezela ngokukhawuleza kwenkxaso yeemeko eziqhelekileyo zonyango, kwaye zingathengwa kwaye zivuselelwe iintsuku ezingama-364.
Funda iShedyuli yeeNzuzo - Umfuduki ophumayo: Umthunywa ongummi oza kuvela owenzelwe abahambi abaya kuhlala ixesha elide eUnited States, kodwa abanako ukufumana iminye imveliso yomshuwalense yezempilo. Kufumaneka kubantu abaneminyaka eyi-14 ubudala ukuya kwi-99 ubudala ubudala, uMfudluli ongenaMhlaba angathengwa ukuya kwiintsuku ezingama-364, kwaye ahlaziywe ukufikelela kwiminyaka emihlanu, enika uluhlu lweendlela zokufumana izibonelelo zonyango eziqhelekileyo.
Funda iShedyuli yeeNzuzo
Ukongezelela, iiMigca ezisixhenxe zibonelela ezi zilandelayo: khetha iimveliso ezizodwa:
- Uhambo lokuhamba ngexesha eliqhelekileyo: Ukuba uthatha iindwendwe ezininzi zamazwe ngamazwe, i-Wander Frequent Traveler ngumkhiqizo womshuwalense wonyaka olandelayo kwiindawo ezininzi. Isicwangciso somshuwalense wexesha elide siza kuhamba ngeendlela ezingaphandle kwamaxesha angaphezu kweentsuku ezingama-30 okanye ezingama-45, ngokusekelwe kwisicwangciso esikhethiweyo.
- Isikhuselo esibanzi : Abemi base-US abangenabani abaceba ukuhlala eUnited States kodwa abangafanelekanga kwi-Medicare banokuzuza kwi-Cover Cover. Eyilungiselelwe abahambi ukuya e-US phakathi kwama-60 no-95, esi sicwangciso sinikeza ukhuseleko olubanzi olukhuselekileyo lwezonyango kwixesha elifutshane, de bafikeleleke kwi-Medicare.
- I-RoundTrip International: Abahlali baseMelika abahamba ngaphandle kwelizwe labo basekhaya bafumana isicwangciso se-inshurensi yohambo olukhethiweyo olwenzelwe iimfuno zabo. I-Roundtrip ngamazwe inikezela ngokukhawuleza njengemveliso ye-Roundtrip, kuquka ukukhuselwa kweendleko zokuhamba, iintlawulo zomthwalo, kunye neenzuzo zonyango.
- I-DOGTAG: Kwabo abahlala ngaphaya, i-DOGTAG ingaba isicwangciso se-inshurensi yohambo okhangayo. Isicwangciso se-inshurensi yohambo olukhethekileyo unikeza i-$ 1 yezigidi kwiingcebiso zezokwelapha kunye nokukhutshwa kongxamisekileyo kwonyango xa ukhubazekile xa uthatha inxaxheba kwimidlalo embi, kuquka ukunyuka kweqhwa, ukuhamba ngeebhayisikili okanye i-triathlons.
Yintoni engeyiyo iSebenzi ezisixhenxe ezikhupha iAnsurance cover?
Njengazo zonke iimveliso ze-inshurensi zokuhamba, iimveliso zeeMpawu eziMahla ziza nemida. Imida yokukhawula ngokukodwa ibandakanya:
- Iimidlalo ezinobungozi: Nangona iimveliso zokudibanisa zinikela ngamanqanaba ahlukeneyo omsebenzi, aziyi kuhlawula amabango okulimala kwimidlalo enobungozi . Isicwangciso se-inshorensi sichaza "imidlalo enobungozi" njenge: "isithuthuthu okanye umqhubi wemoto (njengomgibeli okanye umqhubi), ukuxhoma i-parachuting, i-zip lining, ukuhamba nge-bungee, ukukhwela kwamanzi, ukukhwela kwamanzi, ukugibela i-wakeboard, i-jet skiing, i-windsurfing, i-snowmobiling , kunye ne-spelunking. "Ukuba uceba ukuthatha inxaxheba kuyo nayiphi na le mi sebenzi, qi niseka ukuba uthenge inzuzo yezemidlalo enobungozi.
- Imimiselo ye-geographical: Ezinye iimveliso ze-inshurensi zokuhamba azifumaneki kuwo wonke umntu wase-United States. I-Roundtrip Choice ayitholakali kubahlali baseAlaska, eColorado, eFlorida, e-Indiana, eKansas, eMassachusetts, eMissouri, eNew Hampshire, eNew York, eVirginia, eWashington, ngoxa iiplani zomshuwalense zenkxaso-mali azifumaneki kubantu abahlala eMadgan, eWashington, eNew York, EMzantsi Dakota naseColorado.
Ukongezelela, iimveliso ze-inshorensi zokuhamba ngeeNqununu ezisixhenxe zingabonakali ngamabango ngexesha lokuhamba ukuya kumazwe afanelekileyo, kuquka i-Iran neSiriya. Abantu abahlala e-Iran, eSiriya, i-Virgin Islands zase-United States, eGambia, eGhana, eNigeria, okanye eSierra Leone abanako ukuthenga i-inshurensi yobambiswano kwiiNqununu eziMathandathu. - Iintlupheko zeGalofu okanye iiNtsuku ze-Ski: Nangona abanye bangatsho ukuba ukulibaziseka kokuhamba okanye ukungabikho kwintengiso ye-inshorensi kufuneka ifihle ilahleko zegalufu okanye iintsuku ze-ski , abahambi abahamba emva baze baphelelwe yilapho belahlekile ixesha labo bangahlawulwanga yi-Seven Corners Roundtrip Insurance. Nangona kunjalo, iyafumaneka njengemveliso yokongezwa eyongezelelweyo kwimveliso ephezulu.
- I-Car Rental Waiver: Ininzi yabanikazi banendlela ethile yokuqeshisa imoto yomshuwalense ukuba bahlawule uhambo lwabo ngokusebenzisa amakhadi abo. Ukuba isicwangciso sesibini, siya kuhlawula kuphela emva kokuba ezinye iinshurensi ziphelile. Isicwangciso se-inshorensi yakho esixhenxe siza kubhala umonakalo wemoto yerenti, kodwa i-waiver ingenakongezwa njengengxelo eyongezelelweyo kwisicwangciso sakho se-Roundtrip.
- Ukukhansela izizathu zoMsebenzi: Uxinzelelo olumsebenzi, olufana nokunyuka kwekhefu okanye enye imeko, akunakufakwa kwimeko yokukhansela . Ukuba abahambahambayo banenkxalabo malunga nomsebenzi wabo, banokungeza kwi-cancel ngenxa yezizathu zomsebenzi bazuza kwicebo labo le-inshurensi ye-Roundtrip.
Ndingayifaka njani ibango ngeeMpawu ezixhenxe?
Njengokuba kukho iinkampani ezininzi ze-inshorensi, ukufaka ibango kungenziwa kwikhompyutha. Abo bathenge isicwangciso sabo ngqo kwiMigca eyisixhenxe bangangena ngemvume kwiakhawunti abayidale ngexesha lokuthenga.
Inkqubo iqalisa ngokuchonga iifom ezifanelekileyo kwiwebhusayithi yeMigca eyisixhenxe ukuhlaziywa. Abahambi mabazalise iifom zebango, bafake ikopi yepaspoti, iibhidi ezithe catshulwa okanye iirisithi ezifunyenweyo kunye namanye amaxwebhu axhasiweyo. Ukusuka apho, izicelo zefom ziyakuthunyelwa ngefeksi, zilayishwe ngokukhuselekileyo ngewebhusayithi yazo, okanye zithunyelwe nge-imeyile okanye ngeposi.
Kulabo abanemibuzo, inkampani inokufikelela kwiinombolo zabo ezingenanto. Iingqimba ezisixhenxe zifumaneka ngoMsombuluko ukuya kuLwesihlanu, ukususela ngo-8 ukuya ku-5 ntambama Ixesha laseMpuma kwi-1-800-355-0477.
Ngoobani abaSebenzi abasixhenxe abaxhomekeke kwiiNkampani zeInshoni?
Ngokubanzi, iinqununu ezisixhenxe zibonelela nge-inshurensi yokuhamba kuyo yonke ihambo, kungakhathaliseki ukuba baya kuphi ehlabathini. Ukongezelela, ezininzi zezocwangciso ze-inshorensi zokuhamba zichazwe ngokubanzi, zipheleleyo, kwaye zibonelela ngamanqanaba afanelekileyo okunika ingxelo. Ukuba uhamba ngezinto eziphezulu, okanye uceba ukushiya ilizwe lakho elide ixesha elide, iimveliso zeMigca eyisixhenxe ziyakwazi ukubethelwa ngokubhetele kwikhuseleko lakho xa uhamba ngendlela ende ukusuka ekhaya.
Nangona kunjalo, kulabo abangacwangcisi uhambo olubi okanye olude, amaConveni aMabinzana angenako ukunikela ngemveliso engcono. Kwanamanqanaba abo aphantsi kakhulu, iimveliso zeMigca yeeMpawu eziNye zibonelela ngeenzuzo ezininzi onokungazidingi. Xa ugqiba ukuba i-inshurensi yokuhamba ikulungele wena, cela ukuba ngaba uya kufuna nayiphi na inzuzo xa kwenzeka imeko enzima kunazo zonke, kwaye ukuba uhambo lwakho luyavuma ukuba le nqanaba le-coverage.
Ngaphambi kokuthenga isicwangciso se-inshorensi yeeNqununu ezisixhenxe, qiniseka ukuba uya kuqonda nawaphi amanye amanqanaba omsebenzi osenayo kakade. Nangona iinqununu ezisixhenxe zinika iipotfoliyo ezinkulu ze-inshorensi, kubalulekile ukuba uqinisekise ukuba zeziphi iimeko ezinokuthi zifakwe kuzo, ezingenakufakwa, kwaye apho unendawo ephezulu yokunika ingxelo.