Ulwaphulo-mthetho, imigaqo yokuhamba kunye neminyaka ishintshile indlela esihamba ngayo
Unyaka ka-2015 wanikezela imingeni eninzi abahamba ngayo abanakuze balindele ngaphambi kokuhamba. Kuwo wonke unyaka, abahambi behlabathi babengqina ngamangqungquthela enkqenkqenkqisayo , izinto ezinobungozi kunye neengozi zamabhanoyi ngamabango. Ngenxa yoko, imigaqo-nkqubo ye-inshorensi yokuhamba nayo ishintshile, isabela kwimfuno yoluntu ohambahambayo njengoko ifuna uncedo.
Ngaphambi kokuhamba, kubalulekile ukuqonda ukuba yeyiphi i-inshurensi yokuhamba eya kubhalwa, kwaye ayiyi kuguquka, kwaye iya kuguquka njani ngo-2016. Indawo yokufanisa i-inshurensi ye-Squaremouth.com ilandele utshintsho oluninzi kwi-inshurensi yokuhamba, ukuqokelela uhlalutyo lwarhulumente ye-inshurensi yokuhamba ngo-2016.
Nazi iindlela ezintathu abahambahambayo bafanele bazi ngaphambi kokuthenga isicwangciso se-inshurensi yokuhamba.
Abanye abahambahambayo baya eCuba ngenxa yemigaqo emitsha
Ngokuvulwa kobudlelwane bezobudlelwane phakathi kweCuba ekuqaleni kuka-2015, abahambi abaninzi baseMerika baye batyelela isizwe esibuhlungu kunanini ngaphambili. Nangona kunjalo, phambi kokuba umvakatye angene kwiCuba, kufuneka ukuba anikezele ubungqina bomshuwalense wokuhamba okanye athenge umgaqo-nkqubo we-inshurensi yokuhamba xa efika. Ngenxa yoko, ukuthengiswa kwe-inshurensi yokuhamba ukuya eCuba igqithwe ngamaphesenti angama-168, kunye nabaninzi abahambayo bafuna ukufikelela xa behamba.
I-Cuba yenye yeentlanga ezininzi ezifuna ubungqina bomshuwalense wokuhamba ngaphambi kokufika. Nangona iimfuno zobungqina ziyahlukahlukana kolunye uhlanga ukuya kwisizwe, kunceda ukuba ube nobungqina bokuba uxwebhu olusebenzayo ngaphambi kokuba uhambe. Ezinye iindawo eziqhelekileyo zokuhamba ngee-insured ziquka iMexico, i-Italy, i-France kunye ne-United Kingdom.
Iindleko zokukhansela ukuhamba zihlala zifuna imfuno ephezulu
Ukuhlaselwa koogqirha ka-2015 kwabashiye abaninzi abahamba phambili beqaphile xa beceba ukuhamba kwabo ngonyaka ozayo. Phakathi kwezi zimbini ezihlaselwa eParis kunye nokuqhunyiswa kwebhola kweRussia MetroJet ye-airline ye-aircraft, abahambahamba baqaphela ngakumbi ukwesatshiswa kwamaphekula kunye nendlela ekugqibeleni ekuchaphazela ngayo izicwangciso zabo.
Esikhundleni sokukhansela iinjongo zabo ngokupheleleyo, abahambahambayo baye bafuna ukuthenga i-inshurensi yehambo ekhusele izenzo zobugwenxa.
"Emva kokuhlaselwa eParis, safumanisa ukuba abahambahambayo banomdla kakhulu ekuthengeni ukhetho lwezobugqubuthela kwixesha elizayo kunokuba baxoshe uhambo," kusho uJessica Harvey, umlawuli weenkonzo zabathengi baseCalmouth.
Ngokweenkcukacha eziqokelelwe kwi-intanethi ye-inshurensi yokuhamba, ngaphezulu kwesigamu sabahambi abafuna i-inshorensi yokuhamba emva kokuhlaselwa kwe-Paris eParis kufuna ukukhutshwa kobugqugquzeli, ngokunyuka ngokubanzi kwintengiso ye-inshurensi. Nangona ezinye iinkqubo ze-inshorensi zokuhamba ziza kugubungela izenzo zobugandlo, abahambi bangabhekiswa kuphela kwiimeko ezithile . Ngaphambi kokuthenga umgaqo-nkqubo, qiniseka ukuba uyaqonda ukuba naziphi na iziganeko zobugubungela.
Abahambi abaneminyaka engama-50 nangaphezulu baqwalasela ngokugqithiseleyo ingqalelo yomshuwalense wokuhamba
Nangona bonke abahambahambayo bafanele baqwalasele ukuthenga isicwangciso se-inshurensi yokuhamba ngaphambi kokuhamba, umyalezo uye wafika ekhaya labo bahambi phakathi kwama-50 no-69. Ngokwe-Squaremouth, iipesenti ezingama-40 yazo zonke iipolisi ezithengisiwe zaya kuba bantu abathile kweli qela abahamba ixesha elide ixesha kunye neendleko ezihamba phambili.
Abo baphakathi kwama-50 no-69 bahamba ngeentsuku ezili-17, abahamba ngeefestile bachitha imali engaphezulu kwama-$ 2,400 ngohambo lwabo.
"Nangona iimeko eziphambili ngo-2015 zenze ukuba utshintsho ngendlela abantu abahamba ngayo, abazange batshintshe imfuneko yokuhamba," kusho isikhulu se-Squaremouth uChris Harvey. "Nangona ukhathazeka okhathazayo ngenxa yokhuseleko, sibonile ukuba abantu bathatha inyathelo lokuba balungiselele ngakumbi kunokuba baphephe ukuhamba ngokupheleleyo."
Nangona ihlabathi liguquka ngokukhawuleza, i-inshurensi ye-travel isinika inqanaba elongezelelweyo lokukhusela abahamba ngamazwe. Ngokuqonda indlela ushishino olutshintsha ngayo kwaye yintoni i-inshurensi yokuhamba iya kubonelela ngokukhawuleza, abavakalisi banamhlanje bangakhetha ukhethe isicwangciso esilungileyo kubo, banike inani elona lifanelekileyo loncedo olude ukusuka ekhaya.