Iindlela ezikhethileyo zokuhlala kwiindawo zasemakhaya, zamazwe ngamazwe kunye nezindwendwe
Ndiyakuhalalisela-emva kweminyaka yokugcina nokucwangcisa, ekugqibeleni wagqiba ekubeni uthathe uhambo lokuphila. Ngexesha elithile, kungekudala, uya kukhwela inqwelo, ukhangele ehotele kwaye uwele ngaphandle kwento ekwiibhakethi lakho.
Ukubhuka uhambo lwakho luyinyathelo elikhulu, kodwa ngaba uye wacinga ukuba kwenzekani ukuba kukho into engalunganga?
Yonke into efunekayo yindiza yokulibaziseka , imithwalo elahlekileyo okanye ingozi yemoto ukuphazamisa uhambo lwakho lonke. Ngenxa yoko, unokulahlekelwa yimali ngenxa yokunxibelelana okungafihliweyo, amagumbi ehotele ngenxa yokulibaziseka, okanye ihotele ezandulele ukuhlawulela ithikithi entsha. Emva koko kwenzeke, unokucinga nge-inshurensi yehambo, kodwa ngelanga liphuzile kakhulu ukubuyela emva ngexesha kwaye uyongeze ekuhambeni kwakho.
Ngaphambi kokuba uthathe i-adventure yakho elandelayo, unokufuna ukuthenga i-inshurensi yokuhamba ngexesha elifanayo nohambo lwakho. Ngayo yonke inkampani yomshuwalense ngaphandle apho inikeza "ukhuseleko oluhamba phambili lomshuwalense," ngubani onokumthemba ngokwenene? Emva kokuphonononga iipolisi ezinkulu apha, zezi zi-inshuwalane ezihamba phambili ze-inshurensi zokuhamba ezifunyenweyo kuzo zonke iindidi zeeholide: abo bahamba ngaphesheya kwelizwe kunye nalabo bahamba ngaphesheya kwehlabathi.
01 ngo 05
Eyona ndlela ihamba phambili yokuhamba kwekhaya: iBrkshire Hathaway Protection Protection
BHTP Xa kuziwa ekulibazisekeni kokuhamba okanye ukulahlekelwa kwempahla, akukho nto ifana nokuhlawulwa ibango lakho ngokukhawuleza. I-Berkshire Hathaway Protection Protection (BHTP) inikezela okokuba ngabahambi: ukuba uhambo lwakho luya ku-haywire ngokukhawuleza, unokufumana intlawulo ngokukhawuleza.
Eyakhelwe umhambi onxibelelwano oludibeneyo, enye yeemveliso ezaziwa kakhulu yi-AirCare. Ukuqala kwi-$ 34 yokuhamba kwekhaya, isicwangciso se-inshurensi yokuhamba singakwazi ukubeka iliso ukuhamba kwakho kwaye ngokuzenzekelayo ifake ibango egameni lakho xa kuthe kwabakho ukulibaziseka, ukukhanselwa, okanye ukuxhatshazwa koxhumo. Kwalabo abafuna iimpepha ezongezelelweyo (njengemithwalo yokulahleka kwempahla), ukuthumela amaxwebhu kulula njengokuthatha isithombe kwi-smartphone yakho kwaye uyifake isicelo sakho kwibango lakho.
Ukuba i-flight yakho yasekhaya ikhutshisiwe, unokufumana ilungelo lokufumana inzuzo engama-150. Ukuba unamathele kwi-tarmac ngaphezu kweeyure ezimbini, unokunyuka ukuya kuma-$ 1,000 kwizibonelelo. Yaye ukuba iifowuni zakho zingafiki kwisikhululo se-moya, unokunyuka ukuya kuma-$ 500 ngelihambo ukufumana ezinye izinto zakho. Amabango ahlawulwa ngokukhawuleza? Ngokubhekiselele kwi-BHTP Intlawulo esheshayo kwiimangalo ezivunyiwe xa i-debit card okanye enye indlela ye-EFT ikhethwa njengendlela ekhethiweyo yokuhlawula-kodwa ekugqibeleni ixhomekeka ngokukhawuleza ukuba ibhanki yakho iyakwamukela njani imali.
02 we 05
Eyona ndlela ihamba phambili yohambo lwe-International: I-insul
APRIL International Ukuba uceba ukuhamba phesheya, akukho nto ikhungathekileyo kunokuba ukhumbule kuphela apho yonke iphepha lakho lephepha, kodwa ukhumbule nendlela yokufaka ibango. Le yilapho i-inshurensi ye-APRIL yohambo ihamba ngaphezu kokulindela: enye ifowuni, kwaye ibango lakho liqalisiwe.
Ngamaofisi kumazwe angaphezu kwe-100, i-APRIL inika "Iingxowanxu ezincinci" ukusuka naphi na emhlabeni. Ukuba ufumana isiganeko esikhankanywe kuyo, konke okufuneka ukwenze ukubiza, thumela umbhalo okanye i-imeyile, okanye i-Skype ukusuka kwigumbi lakho lehotele ukuqala inkqubo. Iqela labo liza kuqalisa inkqubo yokufaka ibango lakho kwaye uqinisekise ukuba iindwendwe ezintsha zekhaya, amashishini ehotele kunye nokutyelelwa koogqirha.
Nangona inkampani inika ii-inshorensi ezininzi, enye yeephakheji zazo ezidumeleyo yiSicwangciso soQoqosho. Ngaphantsi kwesi sicwangciso, abahambi bafihliwe ukuhanjiswa kohambo okanye ukuphazanyiswa, iziganeko ezinxulumene neentshukumo, izenzo zobugandlo, kunye nokukhawuleza kokuhamba.
03 we 05
Eyona ndlela ihamba phambili kwiiholide zokulala: AXA Assistance USA
AXA Enye yeenkampani zomshuwalense ezindala kunye nezinkampani ezahlukeneyo ze-inshurensi kwihlabathi, i-AXA Assistance USA inika icebo lokuhamba nge-inshurensi ehamba phambili kubantu abahamba ngeenqwelomoya abaye batyala imali yonke into ekuhambeni kwabo. Kungakhathaliseki ukuba yintoni imeko, i-AXA Assistance USA inesicwangciso se-inshorensi esinokukunceda.
Ngaphantsi kwesicwangciso sabo sePlatinum, abahambi baqinisekisiwe malunga neemeko ezingavamile, kubandakanywa ukungasetyenziswa kwemali, ukuchithwa kwemisebenzi, kunye nokunye. Esi sicwangciso siza kunye nezindlela zokuthenga ezongezelelweyo ngokubhekiselele kwimeko nganye, kuquka ukuChoxisa nayiphi na inzathu yomshuwalense , kunye noChotho lweeNkxaso zeNkxaso-ntle.
Nangona kunjalo, ukwenzela ukuba bathathe inzuzo kwezi ntlawulo, abahambi kufuneka bakhawuleze ngokuthenga i-inshurensi yabo yokuhamba. Ngenxa yokunikwa kwemali engagqibekanga, abahambi kufuneka bahlawule intlawulo ye-inshorensi yokuqala kwiintsuku eziyi-14 zokubhuka kwiindawo zokuqala zohambo lwabo. Njengokuba kukho ezininzi iinjongo ze-inshorensi zokuhamba, Khansela nayiphi na isizathu-esivumela abahambi ukuba babuyiselwe ininzi yeendleko zabo zokuhamba xa bekhupha ngesizathu esivumelwanga-siyimveliso yokongeza.
04 we 05
Eyona ndlela ihamba phambili ekuhambeni kwiizwe eziyingozi: i-IMG Global
Ngelishwa, ihlabathi lingaba yindawo eyingozi kumhambi ongekho. Ukusongelwa kobuggogobhala, kwizinto ezibangela ukufa ekuphumeni kwamanye amazwe ( ezingabandakanyeki oorki ), isisongelo sokugula kunye nokulimala sisoloko sihamba.
Kwabo abanokufumana i- inshurensi yokuhamba ngeekhredithi zabo kodwa bafuna ukuxhaswa kwonyango olongezelelweyo, i-IMG Global inikezela ngemveliso yonyango kuphela. Ukuququzelela ixabiso elincinci, iiprogram ze-inshurensi zokuhamba zibonelela ngokukhawuleza kwenkxaso yezokwelapha, ukunyamekelwa kwimeko esele ikhona, kunye nokukhutshwa konyango.
Ngaphazamisekanga, ezi zicwangciso ze-inshorensi zokuhamba azinikezeli nantoni na ngaphandle kwezokwelapha. Kwisicwangciso se-inshurensi ye-Patriot Travel Medical Assurance, isicwangciso sokususa ukuhamba, ukulibaziseka kokuhamba, okanye ukudibanisa. Qinisekisa ukuqonda yonke inzuzo ye-inshurensi yokuhamba enayo ngaphambi kokugqiba ukuthenga le mveliso.
05 we 05
Intsholongwane yeNtsholongwane Yokuphulukana NezoNyango: I-Global Guardian Air Ambulance
Global Guardian Kwiimeko ezingalindelekanga kufuneka ubambe i-air ambulensi ekhaya, ukufumana enye inokuthengwa kubi. Ngokuxhomekeke apho ukhona, ukukhutshwa ngonyango kunokuhlawula ama-dollar angaphezu kwama-10,000 , ngaphezu kwezokwelapha kunye nokuthutha komhlaba.
Intshuwalense ye-Global Guardian Air Ambulance inikezela ukuhanjiswa kwabahambi abahamba ngokukodwa malunga nokubuyela ekhaya emva kokuxakeka. Xa bebhedlele kwiimitha ezili-150 ukusuka kwikhaya labo eliphambili, i-Global Guardian Air Ambulance inikezela ukukhutshwa kwonyango kwi-United States okanye eCanada. Iinjongo zabo ze-inshorensi zifumaneka kwiinyanga ezintandathu okanye ukuya kunyaka owodwa.
Kunjengezinye iimveliso zonyango, ayikho enye inkcazelo yokubhengezwa enikezelwe kunye nesi sicwangciso. Umgca wukuthi abahambi bangakwazi ukufumana ama-ambulance angama-ambulance e-air emotion ngonyaka, kungakhathaliseki ukuba ixabiso lilonke.