Into endiyenzayo: I-inshurensi yokuhamba kunye neMilinganiselo yezoNyango zonyango

Utyalo-mali oluphantsi-phambili lungabangela ukugcina imali engundoqo phantsi komgca

Kwabaninzi abahambahambayo, umbuzo we-inshurensi yokuhamba uhla kwizinto ezintathu: indleko, uhambo, nendlela ohambo lwazo oluchaphazela ngayo iimeko zehlabathi. Nangona kunjalo, ngabaphi abahambahambayo abangaboniyo kukuba yindleko yokugula okanye ukulimala ngexesha elikude.

Uninzi lwabahambi bafundiswe ngeenqwelo-mali eziqhelekileyo zokuhamba, kuquka ukukhanselwa kokuhamba, ukulibazisa ukuhamba, kunye nokulahlekelwa kwempahla . Abaninzi abahambahambayo bathemba i-inshorensi yokuhamba yee-inshorensi ezinikezelwe ngamakhadi abo . Kule meko, yintoni edlalwa yinto enonophelo yokunakekelwa kwezempilo eziza nenkqubo yomshuwalense ohamba phambili. Ngaphantsi kwesicwangciso esilungileyo, umhambi unokugutyungelwa ukugula phantsi ngexesha elikude, ukulimala engozini, okanye ukufuna ikhaya eliphuthumayo lokuphuma ekhaya.

Ngaphambi kokuba unamathele kwinqununu yokunyamekela unyango, qiniseka ukuba uyazi iindleko ze-inshurensi yokuhamba ngokubhekiselele kwiindleko zesibhedlele samazwe ngamazwe. Nantsi oku ungagqiba ukuchitha ukuba uhambo lwakho olulandelayo luphela kwigumbi loxinzelelo.

• 01 ngo-06

  Ixabiso lentengo ye-Inshorensi yokuhamba: i-$ 263.48

  Ngokwe-survey ye- American Express 2016 yokuThengisa nokuSindisa iTracker , abane kwabamahlanu baseMelika baza kuthatha ikhefu elinye lehlobo ehlobo kulo nyaka. Kulabo, malunga nekota baya kuhamba ngaphandle kwelizwe kwelinye lazo zeholide. Umyinge wexabiso lohambo luyi $ 948 ngomntu ngamnye, ukukhupha ithebhu kwintsapho emine ukuya kwii-3,792 zamaRandi.

  Nangona intengo ye-inshurensi yokuhamba ingahluka kwiinkalo ezininzi, u-inshurensi umthengisi u-InsureMyTrip uqikelela ukuba umgaqo-nkqubo we-inshorensi yokuhamba kufuneka uhlawule phakathi kwezine neyeshumi zeendleko zokuhamba. Kwixabiso eliphakathi kwamanqaku asixhenxe, umgaqo-nkqubo we-inshorensi yokuhamba kwintsapho yezine kufuneka uhlawule i-$ 263.48.

  Nangona oku kuqikelelo oluqhelekileyo, iindleko zangempela zenkqubo yomshuwalense yokuhamba iyahluka phakathi kwababoneleli kunye nakwizinto ezithile. Ezi zingabandakanya iminyaka yobuhamba, ubude bohambo lwabo, kunye namazwe abo okuya kuwo.

• 02 we-06

  Iindleko ze-Ambulance zothutho: i-$ 434 okanye ngaphezulu

  Kungakhathaliseki ukuba sihamba phi ehlabathini, izingozi kunye neemeko zonyango zinokwenzeka. Nangona abanye abahambahambayo banokufumanisa imeko yabo kunye nokuzithutha ngokwabo ukuba banakekele, abaninzi banokuthi bangenakulungiswa kwaye badinga uncedo. Kule meko, abahambi bangadinga i-ambulensi ukuba bayithumele esibhedlele.

  Nangona iindleko ze-ambulensi e-United States ziye zabhalwa ngokubanzi, iindleko ze-ambulensi ziyahlukahluka kwihlabathi. Kwezinye iimeko, ezifana ne-Ireland, abahambi abagqithiselwa ukugqithiselwa kwigumbi eliphuthumayo abanokuba ngabaxanduva lweendleko zabo ze-ambulensi. Kwezinye iindawo zehlabathi, ezifana neSingapore, ukuthuthwa kwee-ambulensi kunokuhlawula i-$ 434, uhambo olusuka esibhedlele ukuya kwisikhululo se-airport kuze kube lula ukukhutshwa kongxamiseko.

  Nangona ezinye iindleko zokuthutha ngokukhawuleza zifunyenwe kwiUnited States phantsi kwe-inshurensi yezempilo, abaninzi ababonelela nge-inshorensi abaqhelekileyo-kuquka i-Medicare-abayi kubakho abahambi ngaphandle kwe-United States. Ngoko ke, ngaphandle kwenqwelo-nshurensi yokuhamba, abahambi banganyanzeliswa ukuba bahlawule i-coverage yabo ngokwabo.

• 03 we-06

  Iindleko zeBhedlele: Kufika kuma-1,742 ngemali ngosuku

  Ngo-2015, iinkcukacha zaseSebe lase-United States zisebe ziveze ngaphezu kwama-900 aseMerika, zaza zabulawa phesheya, kwaye uninzi lwabo bafa bevela kwiingozi zezithuthi, ukugubha, kunye nezinye iziganeko . Kulabo babulewe, baninzi abaninzi abafuna ukuhlala esibhedlele ukuze banqobe ukugula okanye ukulimala. Nangona kungekho mntu ucwangcisa isibhedlele kwisibhedlele ngeli phesheya, ingozi engalindelekanga ingabahlawulela abahamba ngexesha elide.

  Ngokutsho kweWashington Post , abo abangenayo i-inshurensi yokuhamba bayakwazi ukujongana nemirhumo ephezulu yonke imihla abasesibhedlele. E-Australia, ukulaliswa esibhedlele kunokubiza i-$ 1,742 ngemini, ngelixa elinye igumbi linokubiza imali engaphezu kwama-700 eFransi naseNetherlands.

  Ngaphandle koqhagamshelwano lwe-inshorensi yokuhamba, iSebe likaRhulumente lixwayisa ukuba abahambi banembopheleleko yokufihla zonke iindleko zabo esibhedlele. Nangona i-ambassy inokunceda abahambi bahlele ukuhanjiswa kwemali esuka ekhaya, abanakuqinisekisa ukuhlawula ukunyamekelwa esibhedlele, kwaye abanako ukuthumela abahambi kumgqirha okanye bathumele ugqirha ukuba bancede abahamba ngeengxaki .

• 04 we-06

  Iindleko ze-MRI okanye i-CT Scans: Kufikelela kuma-1,072 ayi-scan nganye

  Kulabo bafuna ukukhangela ngokubanzi ngenxa yokulimala kwangaphakathi, ugqirha unokumisela i-MRI scan - mfutshane ukucinga ngomfanekiso ophezulu. Olunye uhlalutyo oluqhelekileyo luyi-tomography yekhompyutha, okanye i-CT Scan. Nangona ezi ziko zikwazi ukudala imifanekiso enemifanekiso yomzimba womntu, zinokuza kwixabiso eliphezulu kakhulu.

  Ngokombiko weWashington Post , i-MRI inokuhlawula imali engaphezu kwama-$ 1,000 ngelixa lizwe. Izwe elibiza kakhulu kwiimpawu ze-MRI nguMzantsi Afrika, landelwa yiSwitzerland, iNew Zealand, iChile neFransi. Kuye eYurophu, i-MRI ephantsi kakhulu ifunyenwe eSpeyin, ngokwexabiso elilinganiselwa kwi-$ 230.

  I-CT Scans nayo ifike ngexabiso eliphezulu kakhulu. Le phephandaba lafumanisa indleko ephantsi kwi-CT scan yaseMzantsi Afrika naseSwitzerland, yayingaphezu kwama-dollar ayi-400, ngokulinganayo. Zonke ezinye iindawo ezihlolwe eYurophu, kuquka iNetherlands, iFransi kunye ne-United Kingdom, zonke zihlawuliswe ngaphezu kwe-150 zama-CT scan.

  Nangona ezi zicwangciso zingasindisa ubomi, nazo ziza ngexabiso. Qinisekisa ukuba ukhangele ukuba umgaqo-nkqubo we-inshorensi yohambo uya kubhalela le miviwo xa kuqinisekisiwe ukuba unyango luyimfuneko ngugqirha.

• 05 ka 06

  Iindleko zeMviwo zoPhuculo: Iingaphezu kweeRandi ezingama-30 Ngetyelelo

  Kuzo zonke iimeko apho umntu ohambahamba angena kwixesha elikude, ukubona ugqirha kwi-ofisi yokutyelela kungabangela iindleko ezifanelekileyo. Kwamazwe ahlolwe ngehlabathi ngeWashington Post , ukutyelela i-ofisi yexabiso elibi kakhulu kunamaxabiso angama-$ 38 ngokulinganayo eChile.

  Nangona kunjalo, okuninzi eUnited States, ukufumaneka koogqirha kuyahlukahluka kwihlabathi. Ukongezelela, ukukwazi ukubona ugqirha kwixabiso eliqhelekileyo kunokuba nzima, ngenxa yemingcele yolwimi kunye nemigaqo-ofisi yeofisi. I-ambassy yasekhaya ingasoloko ibanceda abahambi ukuba bafumane ugqirha, ngelixa umgaqo-nkqubo we-inshorensi yokuhamba unokukunceda ukufumana oogqirha abaya kwamkela umgaqo-nkqubo wabo njengentlawulo, okanye isiqinisekiso sokuhlawula.

• 06 we-06

  Iindleko ze-Ambulance ye-Air: i-R10 000 kunye nangaphezulu malunga nokukhutshwa

  Ekugqibeleni, onke amaphupha abahambahambayo abuyela ekhaya kwiikhampasi ezihamba phambili zeenqwelo zabo zeenqwelo-moya - kungekhona igumbi eliphambili le-ambulensi yomoya. Abo bafumana ukulimala kabuhlungu ngeli phesheya bangadinga uhambo lokubuyela kwi-ambulensi ekhutshwe ngokukodwa, onokukwazi ukubonelela ngenkxaso yokuphila kwisibhedlele sahambi ukuya ezweni labo.

  Ukuhamba e-ambulensi yomoya akubizi, kungakhathaliseki ukuba kusekhaya okanye ngamazwe. Kwinqaku epapashwe yiNew York Times , isithethi soMbutho weeNkonzo zoNyango lwezeMpilo siqikelele ukuba intengo ephakathi ye-ambulensi yomoya ibe yi-$ 10,000 okanye ngaphezulu. Ngaphandle kwesicwangciso se-inshurensi yohambo olufanelekileyo, umhambi unokunyanzeliswa ukuba ahlawule ezo ndleko phambi , ngaphambi kokuba abuyele ekhaya e-ambulensi yomoya.

  Xa ubhekene nobunzima bokukhetha ukusebenzisa i-ambulensi yomoya, qiniseka ukuba uqhagamshelane nomboneleli we-inshurensi yokuhamba kuqala kwaye phambili. Nangona ababoneleli nge-inshurensi yokuhamba ngeenkonzo abanakho ukubonelela ngoncedo emva kwesiganeko , ukuthenga umgaqo-nkqubo we-inshurensi yokuhamba ngaphambi kokushiya ekhaya unokuqinisekisa ukuba abahambi baxutywa xa kwenzeka imeko engxamisekileyo.