Musa ukuhamba ekhaya ngaphandle kwalo, uthi i-agent agents
Ukuhlala kwi-seminar yakutshanje kunye ne-ejenti yokuhamba eyayijongene nemibandela ebalulekileyo yemakethe ye-inshurensi yokuhamba yayisithuba sokuvula iso. Kukho izizathu ezininzi ezifanelekileyo zokuthenga i-inshurensi yokuhamba njengokukhusela uhambo lwakho lokutshala imali nokufumana uncedo lwezonyango ngelixa-phesheya-kwaye ngelixa ezi zinto zibonakala zibalulekile kuthi nsuku zonke, sihlala silahleka i-inshorensi. Unokuba ufuna ukuzibuza ukuba kutheni-ndiya kuthi, ingakumbi emva kwee-agent zokuhamba kunye nabameli be-inshorensi baxubusha ezinye zezinto eziphosakeleyo ezenzeke kubathengi babo-abaqinisekisiwe nabangenakuncediswa.
Iintengiso zeehambo zilapho ukukunceda ngokucwangcisa uhambo lwakho kwaye ube ngummeli wakho emhlabeni xa uhamba. Kodwa ngelixa banokukunceda ukulungisa ukulibaziseka kwendiza kunye nokuncedisa ukuphuculwa kweehotele, abanakukwenza okukhulu xa kwenzeka intlekele ukuba awuzange uthenge i-couverture efanelekileyo yohambo lwakho.
Nazi ezinye iingcebiso xa ucinga ngomshuwalense wokuhamba:
"Isizathu esinye sezizathu kukuba iindleko zekhefu sele zenyuka kwiminyaka. Ngoku umele ulahlekelwe ngamawaka eedola kwihambo ekhansekileyo. Abathengi kufuneka ba khusele utyalo-mali kwaye bafumaneke ukuba kwenzeka into ekuhambeni kwabo, "kusho uSheri Machet we-inshorensi uMH Ross.
UPhil Drennen we-Intanethi ye-Travel Cente ucebisa abathengi ukuba baqwalasele ukunyamezela kwabo.
"Abanye abantu abanokukhathalela ngamanani eeholide, kodwa banenkathalo yokuba baphume kwimeko engxamisekileyo," watsho.
I-inshurensi yokuhamba ivela ngeendlela ezininzi ukwenzela ukuba abahambi baqwalasele oko kubalulekile kubo ngaphambi kokuba bahambe.
UDrennen weluleka umboleki ukuba acinge ukuba ingakanani imali abaya kutyalomali kwiholide kunye noko kukufanele ukuba bafuna ukukhansela.
Enye yezona nkalo ezinzima kakhulu kwinkqubo yokuthengwa kwe-inshorensi yokuhamba icinga ukuba yintoni oyenzayo kwimbono yezokwelapha. Njengomthengi, kufuneka ukwazi ukuba isicwangciso sakho sonyango simboza kwaye siqwalasele inani lezinto ezinokuthi zenzeke, okanye ngaphambili, uhambo.
U-Drennen uthi: "Ukugqithiswa kweMedare kuphuma kwipokethi engaphezu kwama-10k.
Ucebisa abo abane-Medicare ukuba bathenge isicwangciso se-inshorensi eyintloko.
"I-ACA (i-Obamacare) izicwangciso zokukhawulela azenzi ezininzi zokuhamba kwe-inshurensi yokuhamba, ngoko qiniseka ukuba uyayiqonda ingxelo. Uninzi lwezicwangciso ze-ACA zinomsebenzi ongaphandle kwe-US, "kusho uMachet.
Ukugqwesa konke konke, izimo ezixhasayo ziyingxaki ekuthengeni kunye nakwiinkcazo ezihamba nge-inshurensi. Kukho oko kuthiwa "ukukhangela" oku kuthetha ukuba iinkampani ze-inshorensi ziya kuqwalasela irekhodi lempilo yakho kwiintsuku ezingama-60, iintsuku ezingama-120 okanye ngaphezulu kwiimeko zonyango ezikhoyo. Imigaqo, nangona kunjalo, ayinjalo njengento eqhelekileyo. Ukugcinwa kweemeko ezikhoyo ngaphambili azibalanga.
Xa ufanele ucele umboneleli wakho we-inshorensi ukuba awugubungele uhambo lwakho ngenxa yesimo sengonyango somntu othandekayo, kukho iimeko kunye nazo. Kukho ukukhangela kwamalungu entsapho angenawo ahambayo, nangona kunjalo, banomda ohlukeneyo ukuhlangabezana nabo kunemeko ekhoyo ngaphambili.
Ekugqibeleni, nangona zikhetho ezininzi zifumanekayo xa kuziwa kwi-inshorensi, ukuhamba ngaphandle kwephutha. Awukwazi ukuba yintoni eyenzekayo kwaye ngezinye izihlandlo ezingalindelekanga akunakuncedwa.
Inkonzo yomshuwalense isoloko ingahlambulukanga kwaye into ethile kunokuba yinto ehlala yinto engcono.