Njengoko uthengisa i- inshorensi yokuhamba , unokuba uzibuze ukuba umniki-nkonzo wakho we-inshorensi uza kuhlawula amabango anxulumene neengxabano zomphakathi okanye imfazwe. Uya kufuneka uhlole isitifiketi ngasinye somgaqo-nkqubo ukuba uqiniseke ngokupheleleyo, kwaye kufuneka wenze oku phambi kokuba uthenge umgaqo-nkqubo we-inshurensi yokuhamba.
Icebo: Musa ukufunda isishwankathelo sezibonelelo. Funda isitifiketi se-inshurensi. Nika ingqwalasela ngokukhawuleza kwimibandela kunye nemingcele yomgaqo-nkqubo.
Ukungabikho kwiMfazwe okanye kwiMibutho yabasebenzi
Phantse yonke imigaqo-nkqubo ye-inshorensi yokuhamba ingabandakanyi imfazwe kunye nemfazwe yembambano, eyabhengezwa okanye ingabonakaliyo, kwiimeko ezizikhuselekileyo. Ukukhutshwa oku kuthetha ukuba ukuba uhambo lwakho lulibazisekile okanye kufuneka ulukhansele ngokupheleleyo ngenxa yemfazwe okanye ukungqubuzana kwabantu, awuyi kuba nelungelo lokubuyiselwa kwi-inshorensi yakho yehambo.
Oku akuthethi ukuba zonke iinkxwaleko ezinxulumene neemfazwe okanye ezixhatshazo-mali ziya kuhlaziywa. Umniki-nshurensi ngamnye wokuhamba uyenza izigqibo ezizimeleyo malunga nokunika ingxelo. Ngokomzekelo, ngexesha lokuzama ukumbambisa eTurkey ngoJulayi 2016, ezinye iinkampani zomshuwalense yokuhamba zakhetha ukukhawuleza ukulibaziseka okuhambelana nokupheliswa kweenqwelo-moya phakathi kwe-US neTurkey ngexesha nangemva kwemizamo yokubambisa abantu ababesele behamba xa iindiza zacinywa. Nangona kunjalo, iinkampani ezifanayo zikhuphe izitatimende zengxelo ezithi inzame yokubhikisha ayifanelekanga ukuba "isiganeko esingalindelekanga" ngenjongo yokuhamba ukukhutshwa okanye ukuphazamiseka kokuhamba.
Abahambi bee-insured abaye bavakashela i-Turkey abazange babuyiselwe xa bekhansela ukuhamba kwabo ngaphandle kokuba bathenge i-Cancel.
Ngaba Ndingayifumana Umgaqo-nkqubo we-Inshorensi yoThutho ojongene neengxaki ezinxulumene neMfazwe?
Imigaqo-nkqubo embalwa inikezela ngeenzuzo ezibandakanya "ukukhutshwa kwezombusazwe" okanye "ukukhutshwa konyango." Le ngxelo iza kuhlawula ukuthutha kwindawo ekhuselekileyo ukuba imfazwe okanye ukuxhamla kuphelile kwindawo yakho yeholide.
MH Ross, RoamRight, Tin Leg kunye nezinye i-insurers zinikela ngemigaqo-nkqubo ebandakanya ukungabikho kokukhutshwa kwezempilo. Izinzuzo zivela kwi-$ 25,000 ukuya kwii-100,000 zamawaka.
Enye imigaqo ingabandakanya "ukuphazamiseka" phantsi kwezizathu ezichaziweyo zokubambezeleka kwamabango. Ngokomzekelo, njengolu bhalo, umgaqo-nkqubo we-RoamRight u-Essential uquka "ukuphazamiseka" phantsi kwezizathu zawo ezicatshulwayo zokuxhamla ukuxhamla kunye neenzuzo zokulibazisa ngokuhamba. Nangona kunjalo, umgaqo ofanayo uquka "imfazwe, ukuhlasela, izenzo zeentshaba zangaphandle, ubundlobongela phakathi kweentlanga (nokuba zivakaliswe okanye zichazwe), okanye imfazwe yombutho" ukusuka kwingxelo. Umgaqo-siseko we-Travel Guard's Basic "igama" imfazwe, "intukuthelo," "ukuvukela" kunye "neengxaki zomntu" kwiLuhlu lwazo oluqhelekileyo olungabonakaliyo; ilahleko ezinxulumene neemfazwe, izibambano, ukuvuswa kunye nokunye okunjalo akufakwe.
Imiba Yokuqwalasela Xa Uhamba Ngommandla Ojongene Nezimbambano Zabantu
Ukuba uyazi ukuba ukuxhamla komntu kunokwenzeka kwindawo oya kucinga kuyo, thatha isikhashana ukuba ucinge ngendlela oza kuhlala ukhuselekile ngayo ukuba kukho iingxaki kunye nendlela uza kubuyela ekhaya ukuba izinto ziphume. Iindwendwe ziyakunqunyulwa, kwaye i-ambassy yakho okanye i-consulate inokuphazamiseka zizicelo zoncedo.
Ukuba unqwenela ukuqhubeka nezicwangciso zakho zokuhamba, awuyi kukwazi ukubuyisela imali yakho ngenxa yokuba ukhathazekile ngokhuseleko lwakho.
Nazi ezinye iinchuwalense zokuhamba nge-inshurensi zokuqwalasela:
Awukwazi ukurhoxisa uhambo lwakho kuba uvakalelwa kukuba uya kuhlala ukhuselekile kwindawo oya kuyo kwaye ufumane imali yakho ngaphandle kokuba uthenge ukuChoxisa nayiphi na ingxelo yokunika ingxelo. Nangona kunjalo, mhlawumbi ufumana kuphela malunga ne-70% yemali yakho.
Kufuneka uthenge ukukhupha iCandelo leNkxaso-mboleko kuyo yonke imihla engama-30 kwi-deposit yakho yokuqala yentlawulo.
Lindela ukuhlawula ngaphezulu inqubomgomo yomshuwalense wokuhamba oquka ukuChoxisa nayiphi na ingxelo yokunika ingxelo.
Awuyi kuthengisa ukuChoxisa Naliphi na isizathu sokubanjelwa ukuba umhla wakho wokuhamba uphantsi kwexesha lokukhansela elifunekayo. Eli xesha liqhelekile kwiintsuku ezimbini okanye ezintathu ngaphambi kokuba uhambo lwakho luqale, kodwa imigaqo iyahluka.
Ukukhansela Naliphi na isizathu isizathu sokukhokha iipesenti yemali oyisebenzisileyo ekuhambeni kwakho xa ubiza ucingo lwakho kwaye ufake ibango.
Ngeke ukwazi ukubuyisela yonke imali enolu hlobo lomgaqo-nkqubo, kodwa uya kukhangela ngaphandle kokuba uchaze ukuba kutheni.
Amalungu aseMpiya ashiye iilawulwe ngokutsha ngenxa yemfazwe inokwenza okanye angayi kubanjelwa phantsi kweChasela yeeNgxelo zoMsebenzi okanye iMigaqo yokuCima ukuKhutshwa. Umgaqo ngamnye uhlukile, ngoko ke kukufanelekile ukuchitha ixesha lokufunda izatifikethi zomgaqo-nkqubo ukuze ubone ukuba ungayifumana yini ekhusele ukuchithwa kwemithetho yekhefu ngenxa yemfazwe.
Ngaphantsi
Ukuba uhamba kwindawo apho kuqhutywe khona ingxabano yoluntu okanye sele ikhona, yindlela kuphela enokuqiniseka ngayo ukuba unokubuyisela ezinye iindleko zohambo lwakho ukuba awukwazi ukuhamba ukuthenga ukuCoca iNgxowa-mali. Nangona kunjalo, kufuneka ukhansele uhambo lwakho ngexesha elimiselweyo okanye uya kulahlekelwa zibonelelo zakho. Ukuba ukhansela, cwangcisa ngononophelo lonke unxibelelwano kunye ne-insurer yakho.