Qinisekisa ukuba uhlanganiswe ngokupheleleyo ngaphambi kokuba ushiye ilizwe
Enye yezona mpazamo eziqhelekileyo abahambahambayo ngaphambi kokuba bahambe, becinga ukuba zonke iinkqubo ze-inshorensi zokuhamba ziyafana . Ngelishwa, kukho ukungafani okubalulekileyo kwizicwangciso - okuthetha xa umhambi ethenga umgaqo-nkqubo we-inshurensi yokuhamba, awanakuthi ahlanganiswe nantoni na eyenzekayo kubo njengoko beqhuba umhlaba.
Enyanisweni, ngelixa enye inkqubo ye-inshurensi yokuhamba ingabandakanya ukulimala nokugula , abanye baya kuhamba ngokukhawuleza ukuhamba nokuhamba ukukhanselwa .
Nangona ezinye iiplani ziza kubalwa ukulibaziseka kweeyure ezintandathu, izicwangciso ezininzi ziyakwandisa ukuhanjiswa emva kweeyure eziyi-12. Ngokubhekiselele kwimoto yokuqashisa, abanye ababonelela nge-inshurensi yokuhamba bayanikela ngemigaqo-nkqubo eyongeziweyo, kunye nezinye iinkampani eziqashisayo zifuna abahambi ukuba bathenge iinshorensi zabo.
Xa kuziwa kohambo lwakho olulandelayo, ngaba uzaliswe ngokupheleleyo ngumgaqo-nkqubo womshuwalense? Qiniseka ukuba ubuze le mibuzo emihlanu ngaphambi kokuthenga nayiphi na isicwangciso se-inshurensi yokuhamba.
Ingaba ipolisi yomshuwalense wam wokuhamba ikhupha izimo zonyango ezikhoyo ngaphambili?
Enye yeyona nto ibalulekileyo ye-inshurensi yemibuzo ehambayo ukuyibuza yona malunga naluphi na uhlobo lwezolimo zengaphambili. Ininzi-nkqubo ye-inshorensi yokuhamba i-condition ye-medical pre-existing exclusion for the travelers, intsingiselo yeengxaki zezempilo ezikhoyo zingenakucingwa xa zivela ngaphandle. Iimeko eziphambi kwexesha ezinokuba zikhona zingaba ziincinci njengophulaphulo oluphilileyo, okanye luyinkimbinkimbi njengesimo senhliziyo.
Kwiimeko ezininzi, iinkqubo ze-inshorensi zokuhamba ziya kuphelisa kuphela imeko yonyango ekhoyo ngaphambili ngaphandle kokuthengwa kwangaphambili. Ngokuthenga umgaqo-nkqubo we-inshurensi yokuhamba kwiveki ezimbini zokuqala ze-deposit yokuqala, abahambi banokuqiniseka ukuba uhambo lwabo lukhutshwe, nangona imeko yonyango ekhoyo ngaphambili ifuna ingqalelo.
Ngaba i-inshurensi yam yokuhamba kwinqanaba lezemidlalo kunye "nemigcipheko" kwimisebenzi?
Akukho mfihlo yokuba i- inshorensi yokuhamba ayiyi kubhala "imisebenzi engozini" apho abahambi abanqwenela ukubandakanyeka xa bephesheya. Abo banqwenela ukugijima kunye neenkomo okanye ukugqiba idives diff kungadinga ukuthenga i-inshurensi yokuhamba eyongezelelweyo kwi-policy yabo. Kuthiwani ngokulimala okuqhubekayo kumdlalo wegalufu?
Kulabo bafuna ukudlala imidlalo ngelixa eliphesheya, enye yeyona nto ibalulekileyo yimibuzo yomshuwalense yokuhamba kufuneka ibe malunga nokupapashwa kwezemidlalo. Ngokuxhomekeke kwimidlalo, i-inshurensi yohambo ingaboneleli ngeendlela eziqhelekileyo zokulimala eziqhubekayo ekuhambeni kwezemidlalo. Ngaphambi kokucwangcisa uhambo oluphelileyo, qiniseka ukuba imidlalo yakho yokukhetha ihlanganiswe phantsi komgaqo-nkqubo okhethiweyo. Ukongeza, abahambi mababuye babuze ukuba izixhobo zezemidlalo zigqitywa phantsi kwe-inshorensi yokuhamba, kungekhona yonke imigaqo-nkqubo yokulahlekelwa kwempahla iquka amakilabhu e-golf okanye izixhobo ze-ski.
Ngaba ndifuna ukugunyazwa kwangaphambili kwi-inshurensi yam yohambo okanye unyango?
Ukuthintela imeko engxamisekileyo, iinkqubo ezithile ze-inshurensi yokuhamba zifuna ukuba abahambi bacele imvume yangaphambili ngaphambi kokuba bavunyelwe ukufumana unyango. Ukuba umhambi akayi kugqiba le nyathelo, ibango lawo lingathathwa njengento engekhoyo kwaye ayikho.
Ngaphambi kokulungiswa kwiplani, ubuza ukuba ukugunyazwa kwangaphambili kuyadingeka ngaphambi kokufuna unyango ngumbuzo womshuwalense ohamba phambili. Kwimeko nayiphi na into, ukubiza umboneleli we-inshurensi yokuhamba ngaphambi kokubona ugqirha unokuba nembono enhle, njengoko banokuncoma izibonelelo ezivunyelwe kwindawo oya kuyo .
Ndiyakwazi ukubiza umnini-mshishino wam inshurensi yokuhamba ukuthetha nodokotela?
Kwiimeko ezininzi, abahambahambayo abanakudinga ukufumana unyango, kodwa kunoko nje bafuna ukuthetha nodokotela ukuze bajongise ingxaki okanye ukuthintela. Ezinye iinkqubo ze-inshorensi zokuhamba ezi zinto zifumaneke kubahambi, ngelixa abanye banokufikelela kule nkonzo nge-inshorensi yezempilo.
Nangona imigaqo-nkqubo ye-inshorensi yempilo eyinqobo ayinakubonelela ngolu hlobo lwangaphandle kwenkonzo, iiprojethi ezithile ze-inshorensi zokuhamba zivumela abahambi ukuba baqhagamshelane nodokotela ngemibandela ngaphambi kokufuna unonophelo.
Ukufumanisa ukuba umongikazi okanye ugqirha we-hotline ufumaneka kufuneka ube ngumbuzo womshuwalense ohamba phambili ngaphambi kokuthenga. Ukuba umgaqo-nkqubo we-inshorensi yokuhamba awukhethi le nkonzo, abahambi banokuhlala bejika kwi-app ye-smartphone yemibuzo okanye ixhalaba-nangona le nkonzo ingaba neendleko ezithile.
Ngaba i-inshurensi yam yokuhamba ihlawule umboneleli wam, okanye iya kuqinisekisa kuphela intlawulo?
Ngokungafani nemigaqo-nkqubo ye-inshorensi yezempilo, akusiyo yonke imigaqo-nkqubo ye-inshorensi yokuhamba eyinika intlawulo ngqo kubaboneleli bezonyango xa kufuneka. Enye imigaqo-nkqubo iqinisekisa kuphela ukuhlawula kwiindawo zokunyamekela, ezinokubangela ukuba uhambo luphoqelelwe ukuba luhlawule iindleko ezithile ngaphandle kwepokothini.
Enye yeyona nto ibalulekileyo yimibuzo yomshuwalense yokuhamba ukubuza malunga nendlela umgaqo-nkqubo uhlawula ngayo. Ngokwazi umahluko phakathi komgaqo-nkqubo oza kubakhokela ngokukhawuleza abanikezeli ngononophelo, ngokuchasene nalowo oqinisekisa kuphela ukuhlawula, abahambi bangazilungiselela ukwenza izigqibo ezifundisiweyo kwinkathalo yabo. Abo banako ukuhlawula intlawulo ephuma ephaketheni ukuze babuyiselwe emva koko bangagcina imali phambili, ngelixa abo bangenako ukufumana ingxamiseko kufuneka bathethe ukuthenga umgaqo-nkqubo ohlawulela ababoneleli ngononophelo ngqo.
Nangona i-inshurensi yokuhamba ingaba yinkqubo ekhohlakeleyo, ukufumana iimpendulo kunokubanceda abo bahamba ngeyona ndlela bahamba ngayo. Ngokubuza le mibuzo ebalulekileyo, abahambi banokuqiniseka ukuba bayazi into efunyenweyo, kwaye zeziphi iimeko eziya kubakhokelela ekufakeni ibango.