Ukufumana Ulungelelwano Olufanelekileyo, Ukukhetha Umgaqo-nkqubo Olungileyo
Nangona i-Asia-mpuma ye-Asia iba yindlela ephucukileyo kwiminyaka eyi-12 edluleyo, ukuhamba kwiindawo ezininzi zommandla kuhlala kuyingozi enkulu.
Ukulimala, ukugula, okanye ukwebiwa kwezinto zakho ezixabisekileyo, kude kube kude nekhaya, kunokugqibela kukubiza imali engaphezulu kunokuba uxoxisane ngayo, ukudala imithwalo yemali yesikhathi eside kunye nabathandekayo bakho.
Ngaphambi kokuhamba apha, qwalasela ukuthenga i-inshurensi yokuhamba. Ingozi, iinqwelo zokurhoxiswa, okanye ukulahleka kwepropati kungabiza imali engaphezulu.
Umgaqo omhle unokulondoloza ubomi bakho kunye nokhuseleko lwakho lwezezimali.
Yintoni ongayilindela kwiCandelo lakho
Umgaqo-nkqubo we-inshurensi ohamba kakuhle uyakhathalela iinkalo ezine zokukhathazeka:
zonyango kunye nempilo
ukubiwa kwepropati okanye ukulahleka
ukuphazamiseka kohambo okanye ukukhanselwa
kukhutshwa ngonyango
Khangela oko i-inshorensi yakho yangoku efihla phambi kokuhlawula umgaqo-nkqubo omtsha. Abanye abanomgaqo-nkqubo we-inshorensi yabanini banokukugubungela ipropati okanye ukulahleka ukufikelela kuma-$ 500, nangona uvela phesheya.
I-akhawunti yeBhanki kunye neerhafu, kunye namakhadi amaninzi ekhredithi, inokubonelela ngekhava lokuhamba. Into efanayo kunye nemigaqo-nkqubo ye-inshorensi eminingi.
Qaphela: ukuvakashela iindawo ezithile okanye ukwenza imisebenzi ethile kungabikho kwinqwelo ye-inshurensi yakho yokuhamba.
I-inshurensi yokuhamba ingahlawula i-$ 50 ngeveki, ngelixa uhambo lokukhansela okanye ukuphazamiseka lunokuthengwa ngokwahlukileyo kwizinga le-US $ 3-5 ngosuku ngokuxhomekeke kubude bokuhlala. Ihlawulela ukuthenga ngeenxa yomgaqo-nkqubo ohambelana neemfuno zakho zokuhamba.
Thetha ku-inshurensi ukucacisa nayiphi na amaphupha angacacileyo kwipolisi yakho.
Ingcali ye-Intanethi ye-Intanethi uJoe Cortez ilungisa ukungaqondani okungaqhelekanga kwe-inshurensi yehambo .
Ukukhetha iPolisi
Hlola imida kwi-policy-coverage yakho ayize ibe yinto engapheliyo, kwaye uyazisola ngokufudumala malunga neenkcukacha xa ungena kwi-jam kwaye i-inshorensi yakho ayiyikugubungela.
Hlola isigqithiso esiphezulu kwipolisi yakho - le mali kufuneka uyihlawule ukuze wenze ibango. Qinisekisa ukuba uyazi imeko apho isigatya esiphezulu sisebenza khona. Iipolisi ezinama-premium aphezulu ziyakususa isigatya esiphezulu.
Yifumana unyango lwezokwelapha olubandakanya ukhatshwa esibhedlele kunye nokukhutshwa konyango - oku kungabamba ubuncinane ubuncinane be-$ 10,000, nangaphezulu xa kufuneka ukhutshwe kwindawo ekude.
Fumana isembozo esahlukileyo xa ubandakanyeka "kwimidlalo eyingozi" njengokungena kwi-scuba okanye ukuthungela i-scuba. Le mi sebenzi yingozi ihlala ihlelwa njengezingeniso kwimigaqo-nkqubo eninzi, kwaye iya kufuna i-premium eyongezelelweyo.
Xa ufaka imithwalo yakho, qaphela ukuba umda wecandelo ngalinye lihlanganisa indleko yento yakho eyimpahla ebiza kakhulu.
UJoe Cortez uphendula umbuzo woluphi uhlobo lwe-inshurensi yokuhamba efanelekileyo kuwe?
Ukufumana Uninzi Kwipolisi Yakho: Iingcebiso ezimbalwa
I-US igcina ama-ambassasi kuwo onke amazwe aseMzantsi-mpuma Asia. Unokufuna uncedo kwigosa laseburhulumenteni yase-US ukufumana unyango olufanelekileyo, kwaye wazise abathandekayo bakho ekhaya. Isebe likaRhulumente ligcina uluhlu olubanzi lwababoneleli be-inshurensi yamazwe ngamazwe.
Gcina inani lezonyango zezonyango ezingama-24 ze- inshorensi yakho.
Kufuneka uzame ukuqhagamshelana nomboneleli wakho womshuwalense ngaphambi kokuba wenze nayiphi na intlawulo enkulu kwiinkonzo zonyango.
Ziqhelanise ukugcinwa kwerekhodi. Bhala phantsi uluhlu lwemiphumo yempahla kunye nezinto ezixabisekileyo ozisa nazo ekuhambeni, kwaye ugcine uluhlu ngokuphepha ekhaya. Gcina ii-receipts zangaphambili-ezi ziza kusebenza xa ufuna ukufaka ibango. Yenza ikopi ezimbini zepolisi yakho, kwaye ushiye enye ekhaya.
Ukuba into exabisekileyo ibanjwe, fumana ikopi yamapolisa ingxelo ngokukhawuleza. Abanikezeli be-inshurensi badinga oku ukuqhuba ibango lakho.