Musa ukukhwela iinqanawa okanye ungene kwelizwe langaphandle ngaphandle kokubhengezwa
Unyaka ngamnye, abahamba ngeenxa zonke zehlabathi bachithe iiyure ekucwangceni uhambo olugqibeleleyo. Kungakhathaliseki ukuba ithatha kuwo wonke ulwandle okanye kwiilizwekazi, abahambahamba bathululela iinkcukacha ezincinci ukuze babe namava obomi. Nangona kunjalo, into enye abahambahambayo abaninzi abayiboniyo kukuba kunokulimala okanye ukugula ngexesha lokuhamba kude nekhaya.
Nangona iingozi zengozi zingabangela iingxaki ezinkulu kubahambi, unjalo apho i-inshurensi yokuhamba iya kudlala.
Ngokuthenga okulula phambi kohambo, abahambi bangabhekiswa kwiziganeko ezingahlelwanga. Ngona kulungelelaniso olungcono, iintlobo ezithile zeendawo zinikela ingozi ephezulu kunezinye , ukushiya abahambi ngezigqibo ezinzima kwiimeko ezimbi nakakhulu.
Njengoko ilizwi lihamba: i-ounce yokuthintela ixabiso lepilisi. Ezi ziindawo ezintathu ongazifanele ukutyelela ngaphandle kokuthenga ipolisi ye-inshurensi yokuhamba kuqala.
Iinqanawa ze-Cruise ziphazamiseka zingabangela iindleko ezinkulu zonyango
Iinqanawa ze-Cruise zingaba yindlela enhle yokubona iindawo ezikhethekileyo zehlabathi elwandle. Kwiholide enye, abahambi banokufumana amaqela amaninzi kwiinkoliso zamava ngaphandle kokungqubuzana phakathi kwamagumbi ehotele. Ngezinto ezilungileyo ziza ezimbi: ukuba umhambi omele akhatywe okanye agula ngelixa ehamba emkhunjini, imeko yabo ingafika ngexabiso eliphezulu.
Ngaphandle kwendlela abahambahambayo basenokuba ngamanzi aseMelika, iinkqubo ezininzi ze-inshorensi zempilo ye-America (kuquka i-Medicare) inokungabikho iindleko zonyango olwandle.
Ngaphandle kwe-inshurensi yokuhamba, abo baxhatshazwayo okanye abagula emkhunjini banokuba nexanduva lokumboza iindleko zabo. Ngokutsho kwe-Australian travel insurance Provider Cover, enye yezimangalo ezibiza kakhulu kwiinqanawa ezihamba ngeenqanawa zibiza i-$ 100,000 ngo-2015. Ngaphambi kokuqalisa ukuhamba kwinqanaba lokuphila, qi
Imigaqo-nkqubo ye-inshorensi yezempilo ayinakusebenza kumazwe angaphandle
Ukuya kwelinye ilizwe kungabakho amava anomvuzo onokubangela ukukhumbula ubomi obude. Nangona amazwe amaninzi anika uhlobo oluthile lwenkqubo yokunakekelwa kwempilo kazwelonke, oku akuthethi ukuba oogqirha bakhululekile kunoma ubani kwilizwe. Ngokuchasene noko, ezinye iintlanga zinokuthi zandisa ukunakekelwa kwezempilo ngaphandle kwabemi, okanye zingaboni abantu abangaphandle kwimeko engxamisekileyo, banokunika ubungqina bentlawulo. Ngaphezulu, amanye amazwe afuna ubungqina bomshuwalense wokuhamba ngaphambi kokungena.
Xa uhamba kwelinye ilizwe nawuphi na ixesha, umgaqo-nkqubo we-inshorensi yokuhamba unokuqinisekisa ukuba abahambahambayo banamhlanje banelisekile ngokwaneleyo ngenxa yokulimala, ukugula, nokuba kwimeko yokuthutha ngokukhawuleza. Ngaphandle komgaqo-nkqubo we-inshurensi yokuhamba, iindleko zokuhamba ngokukhawulezileyo nge-ambulensi yomoya zingadola imali engaphezu kwama-R10 000, kungabikho iindleko ezongeziweyo zonyango lwengingqi. Akukaze kube sisigqibo esilumkileyo sokuhamba ngaphandle ngaphandle kokuqala ukuqhuba ipolisi yomshuwalense wokuhamba.
Abahamba ngezemidlalo abafuni ukubanjwa ngaphandle kwe-inshurensi yokuhamba
Abaninzi abakhethiweyo bakhetha ukubona ihlabathi ngelixa bebandakanyeka kwimidlalo abayithandayo okanye ezinye izinto zokuzonwabisa. Nangona ezinye izinto zokuzilibazisa zininzi (njengokudlala igalofu), ezinye izinto ezithandwayo (ezifana ne-scuba diving okanye imidlalo yokunxibelelana) kunokubandakanya izixhobo ezibiza kakhulu kwaye zize zibe neengozi eziphawulekayo.
Kwabo bahambi abacinga ukuthatha ikhefu lezemidlalo, i-inshurensi yokuhamba iyimfuneko. Ukongeza kwi-inshorensi yempilo ezayo kunye neenkqubo ezininzi ze-inshurensi yokuhamba, umgaqo-nkqubo ungabonelela ngokukhawuleza kwezixhobo zemidlalo ezichongiweyo ukuya kwindawo yokugqibela . Phakathi kwazo zonke iimeko ezinokungahambi kakuhle, i-inshurensi yokuhamba inganika utyalo-mali olunzulu kwiimeko ezinzima kakhulu.
Ngaphambi kokuba uhambe kwiholide epheleleyo yezemidlalo, kubalulekile ukuqinisekisa ukuba umsebenzi okhethiweyo uhlanganisiwe. Iinkqubo ze-inshorensi zokuhamba zihlala ziba nemingcele yemisebenzi enobungozi obuphezulu , kubandakanywa nemidlalo yokunxibelelana, engavumelekanga ukufikelela ngaphandle kwenqubomgomo yokongeza. Ngaphezulu, ezinye iipolisi zinokunikela kuphela ngeenkcukacha zezinto ezithile ezihlolwe, kodwa kungabandakanyeki kwimisebenzi. Ngemigaqo ethile, zombini iimeko zinokunciphisa ngokuthenga enye eyingozi yokwenza umsebenzi.
Nakuphi na umcimbi, abo baceba ukuthatha inxaxheba kwimisebenzi yezemidlalo kufuneka bathenge umgaqo-nkqubo we-inshurensi yokuhamba.
Ngelixa ihlabathi lingaba yindawo enhle, ukuhamba ngaphandle kwe-inshurensi yokuhamba kungakubiza ngeendlela ezingaphezulu kweyodwa. Ngaphambi kokukhwela isitya sakho esilandelayo okanye ukhangele isikhwama sakho esilandelayo, qiniseka ukuba ucinga ukuba i-inshurensi yokuhamba yindlela efanelekileyo yokuhamba kwakho.