Ukuchonga ukuba isicwangciso se-inshurensi yohambo lwangonyaka sikulungele
Umhambi ohlala ehamba phambili, isicwangciso se-inshurensi yokuhamba yonyaka singaba yindlela encinci kwaye elula yokuqinisekisa ukuba inqanaba elifanelekileyo le-coverage kungakhathaliseki ukuba bangaphi. Ngeentengo enye, amaflaya athile kunye nabafudukayo bangakwazi ukuqinisekisa ukuba bakhuselwe kwiimeko ezikhawulezileyo ezikufutshane nakude.
Nangona iiprojethi ze-inshorensi zokuhamba ngexesha eliqhelekileyo yinto yokuthenga yinye kanye ngonyaka ukulungiselela nayiphi na inani leendwendwe abantu abangayithatha, kusenokuba luninzi kakhulu kakhulu - ngakumbi xa abahambi bengasebenzisi ixesha elaneleyo ukusuka ekhaya.
Ingaba ngumgaqo-nkqubo womshuwalense wonyaka wonyaka othengwa ngawo wonke umntu?
Ukuthengwa kwenkqubo yomshuwalense wohambo lwangonyaka lithatha ingqwalasela enkulu njengokuthatha isigqibo malunga nomgaqo-nkqubo womshuwalense wendabuko. Ngaphambi kokuthenga isicwangciso se-inshurensi yohambo lwangonyaka, kunokuqikelela ukuba uqikelele ubungqina kunye neqhinga locwangciso lwe-inshurensi yokuhamba ngonyaka.
Iinjongo zenkqubo yomshuwalense wonyaka wokuhamba
- Enye into ebaluleke kakhulu yokuthenga iplani ye-inshurensi yokuhamba i-coverage kulo nyaka. Esikhundleni sokuthenga umgaqo-nkqubo ohlukeneyo kulo lonke uhambo lwamazwe ngamazwe , abahambi abathengayo umgaqo-nkqubo wonyaka bajongwa rhoqo xa bephuma kweli lizwe. Ngenxa yoko, umgaqo-nkqubo we-inshurensi wonyaka wokuba uhamba ngokuqhelekileyo uyona khetho olukhethekileyo kubahambi abahamba ngeendlela ezingaphezu kweethathu ezihamba ngamazwe ngonyaka.
- Ukongeza kwirejista ye-inshorensi yokuhamba nge-year-round, zonke iinzuzo ze-inshurensi yokuhamba yomshuwalense zigcina unyaka wonke, kwaye zibuye ziqalise ngokuhamba ngomhambo. Ngoko ke, abahambi baqinisekisiwe inani elifanayo lokubhalwa kwendlela nganye, kungakhathaliseki ukuba bangaphi iindwendwe ezithathayo kulo nyaka. Abo bahamba rhoqo bebanokuthintela ukudideka komgaqo-nkqubo okanye ukuphelelwa ngumsebenzi onokubakho ukuza kunye nokuthenga umgaqo-nkqubo we-inshurensi yohambo ngalunye uhambo olulodwa.
- Nangona amazinga athile e-inshurensi yokuhamba yinkampani yomshuwalense wonyaka wokuhamba, iinkqubo ezithile zandisa iinkonzo ezongezelelweyo kubahambi ngelixa belizwe labo. Umzekelo: ukukhanselwa kokuhamba, ukulibaziseka kokuhamba, kunye neenzuzo zokulahleka kwempahla kunokunweba kubahambi ngokude nje bengaphandle kwekhaya labo. Ngaphambi kokuthenga isicwangciso se-inshurensi yokuhamba, qi
Ingozi yenkqubo yomshuwalense wonyaka wokuhamba
- Nangona i-inshurensi yokuhamba yonyaka yonyaka inokubambisa abahambahambayo kunyaka, enye yeengxaki zokuthenga umgaqo-nkqubo wonyaka ngumda wexesha elongeziweyo kwiihambo ngamnye. Uninzi lwezicwangciso ze-inshorensi zokuhamba ngee-annals zibonisa ukuba uhambo olukhuselekileyo alukwazi ukugqithisa iintsuku ezingama-90 - inani elifanayo lexesha lezona visa eziqhelekileyo zokutyelela . Abo baceba ukusukela kwikhaya kwiinyanga ezingaphezu kwethathu ngexesha bangafuna ukucinga ngokuthenga isicwangciso sezonyango sexesha elide .
- Nangona enye yeenzuzo ze-inshurensi yokuhamba yonyaka ihamba ngokukhawuleza ngaphandle kwekhaya, kukho iinqununu malunga nokuba kude kangakanani nabahambi basekhaya kufuneka babe phambi kokufumana inkxaso. Kwezinye iimeko, abahambi kufuneka babe ubuncinane ngamamayela angama-100 kude nekhaya ngaphambi kokuba umgaqo-nkqubo we-inshurensi wonyaka wonyaka uqala ukusebenza. Indlela lo mgaqo osebenza ngayo xa uhambahamba ngehlabathi kukungqiqweni kwenkampani ye-inshurensi yokuhamba: ngelixa uhambo oluya eCanada okanye eMexico lingaphantsi kwamamayela angama-100 ukusuka kwikhaya lugutyungelwe, ukulahlekelwa imithwalo kufuphi nekhaya (nangona xa kuhamba). i gu bungelwe. Umda wemida ngumlinganiselo ochanekileyo wenkqubo ye-inshurensi yokuhamba yonyaka.
- Nangona umgaqo-nkqubo wokuhamba wonyaka unikezela ezininzi iintlobo ezifanayo njengenkqubo yomshuwalense wendabuko yokuhamba, kunokubakho ukungaphumeleli okuphambili xa kuqhathaniswa nezicwangciso ze-inshurensi zendabuko. Izicwangciso zendlela zokuhamba ngezinye ixesha zinciphisa inani leenzuzo kwiintlobo eziphambili, ezifana nokukhutshwa kwezemidlalo kunye nemisebenzi enobungozi (kubandakanywa ne-skiing). Ukongezelela, iintlawulo eziqhelekileyo ezibandakanya ukuChoxisa nayiphi na inzuzo yezizathu , Ukukhansela umSebenzi Ukubonelela ngezibonelelo, kwaye ukukhishwa kwangaphambili kwemeko kungekho ukuba kufumaneke kwi-inshurensi yokuhamba. Le nkonzo ye-inshurensi yokuhamba iyakwanelisa ukuhamba nabanye abahambayo kwi-inshurensi yendalo yomshuwalense wokuhamba.
Ngaba zikhona ezinye iindlela zokuhamba zomshuwalense?
Kwabo bahambi abangaqinisekanga ukuba yintoni umgaqo-nkqubo we-inshorensi ohamba ngayo ulungile kubo, kusekho ukhetho olufumanekayo lokufumanisa. Amakhadi ekhredithi amaninzi amaninzi ahambahambayo anika iiprogram ze-inshurensi ezihamba phambili ezinobunini bamakhadi, becinga ukuba bathenga uhambo lwabo ngekhadi lesikweletu. Nangona kunjalo, kukho ininzi ye- inshurensi yokuhamba kunye neengxaki zemigaqo yekhadi lesikweletu . Qinisekisa ukuqonda oko kukhonjwe kwaye oko kungekafiki ngaphambi kokuba uhambe ezweni.
Inyulo yonyaka yomshuwalense unokuhamba ngokufanelekileyo kubahambi abahamba rhoqo, kodwa kuphela xa baqonda yonke inzuzo yomshuwalense kunye nenkunkuma, kuquka nezinga lokukhawulela kuzo zonke iinguqulelo. Ukufumana ulwazi oluchanekileyo phambili kungaqinisekisa ukuba abahambi bafumana isigxina esifanelekileyo kwiintetho zabo, kungakhathaliseki ukuba bahamba phi.