Ngaba ufuna i-inshurensi yohambo?
Cinga ngezi ngxaki:
- Uwela kwaye uphule umlenze wakho ngelixa u tyelela iCroatia. Umele ubaleke ekhaya, kodwa awukwazi ukugoba idolo lakho lasekhohlo.
- Kwiintsuku ezimbini ngaphambi kokuba ubalekele eNew Zealand, uhla kunye nomdla we-influenza walo nyaka.
- Isinqanawa sakho sokuhamba ngekhefu asikwazi ukushiya ngexesha ngenxa yempikane ekhulayo kwisixeko sakho sokuhamba.
Ukuba uthengela uhlobo olulungileyo lwe-inshurensi yokuhamba ngaphambi kokuba uhambo lwakho luqale, unokufumana uninzi lweendleko zohambo lwakho olukhanselelweyo okanye indleko ephezulu yekhaya elikhuphayo ngenkathi ukhubazekile.
Cinga ukuthenga i-inshurensi yokuhamba ukukhusela iingxaki ezingalindelekanga ekubhubhiseni iholide lakho.
Ngaba i-Inshorensi yohambo iyimfuneko?
Nangona ezinye iingcali zokuhamba zibiza ukuba i-inshurensi yokuhamba ayifanelekanga imali, abahambahambayo abadala kufuneka baphande ngokucokisekileyo ngale ngxaki ngezizathu ezininzi.
Ukuba u-inshurensi yonyango kuphela yi-Medicare okanye iMedicaid kwaye uceba ukuya kwelinye ilizwe, kufuneka uthenge i-inshurensi yezohambo. I-Medicare ihlawula kuphela iindleko ezenziweyo ngaphakathi kwe-US. Ukuba uya kugula okanye ulimele ngexesha elikude, uya kulindela ukuhlawula unyango lwakho ngaphambili, nokuba unayo okanye unayo i-inshurensi yezohambo. Ukunyamekela ngonyango ngokukhawulezileyo kunokubiza, kwaye ukuphuma kwonyango (ukuhamba ekhaya xa ugula okanye ulimele) kubiza amawaka eedola.
Ukuba u-inshurensi ngokusebenzisa i-HMO, khangela ukuba unokufumana unyango olungxamisekileyo ngaphandle kwendawo yesevisi ye-HMO. Amanye ama-HMO awayi kubhala ngaphandle kweendleko okanye kwiindleko zonyango lwangaphandle.
Uhambo lwe-inshurensi yezohambo luza kuba yindlela efanelekileyo yokongeza kwenkxaso-ntle yakho yezempilo ukuba indawo ye-HMO yenkonzo ingaphelelanga.
Ukuba ubhala uhambo okanye uhambo lwenkcenkceshelo kwaye kufuneka uhlawule, unokujamelana nesigwebo esivela kumqhubi wakho wokutyelela okanye umgca wokuhamba xa ufuna ukukhansela uhambo lwakho. Esi sihlwayo sinokuba ngaphezu kweendleko ze-inshorensi yokukhansela.
Ukuba kunjalo, i-inshorensi yokukhansela ihambo ingakukhusela kwilahleko enkulu.
Ukuba uhamba rhoqo, qwalasela ubulungu bonyaka kwiprogram yokukhutshwa kongxamiseko efana neMedjetAssist. Ngama-dollar angamawaka ambalwa ngonyaka, uya kufumana ukuthuthwa kwezonyango ngokukhawulezileyo kwisibhedlele sakho esikhethiweyo ukuba ufanele ugula okanye ulimele.
Iintlobo ze-Inshorensi yohambo
Ukuthenga i-inshurensi yokuhamba kunokudideka. Zininzi iintlobo zeenqwelo zomshuwalense yokuhamba. Abanye banikela uhlobo olulodwa kuphela lokubhengezwa, ngelixa ezinye iinkqubo ezipheleleyo.
Ngokutsho kwe-US Travel Insurance Association (UStiA), kukho iintlobo ezintathu ezisisiseko zokuhamba nge-inshurensi yokuhamba:
Uhambo lokukhansela / Ukuncipha / Ukuphazamiseka Umyinge
Olu hlobo lomgaqo-nkqubo luquka iindleko zeendleko zakho ezihlawulwa kuqala xa ufuna ukukhansela uhambo lwakho. Intshurensi yokukhansela iholide iya kuhlawulela ukuba awukwazi ukwenza uhambo ngenxa yokuba wena okanye ilungu lentsapho ligula okanye ukuba ingxaki yemozulu ikukhusela ukuba uhambe. Kuza kuphinda kubuyisele kwakhona umthwalo olahlekileyo . Eminye imigaqo-nkqubo ikhupha ukungahlawulwanga kwemali yomthengisi wakho wokuhamba okanye uhlawule ukufaka nokutya ngexesha lokulibaziseka eliqala emva kokuba uhambo lwakho luqale.
Uxhasano lwezoNcedo oluPhezulu kunye noPhulo lokuNciphisa
Oku kuhlawula unyango lwempilo kunye neendleko zokuhamba ngokukhawuleza.
Oku kubaluleke kakhulu kubahambi abahamba phambili kuba lihlawula iindleko zonyango ezenziwa ngaphandle kwelizwe lakho.
Iiyure ezingama-24 zoNcedo lweNombolo
Le ngxelo inika abahamba ngeendlela ezilula zokufumana oogqirha baze bafumane uncedo oluphuthumayo. Kukunceda ngakumbi xa uhlala kwindawo apho isiNgesi ayithethi ngokuqhelekileyo.
Kuphi Ukufumana Iinkcukacha ze-Inshorensi yohambo
Shayela inkampani yakho yinshuwalense kwaye ubuze ukuba bathengisa i-inshurensi yokuhamba.
Xhumana noMbutho we-inshurensi we-US Travel, uMbutho we-inshurensi ye-Travel Health weCanada okanye uhlobo olufanayo lwezorhwebo ezweni lakho. Cela uluhlu lwee-inshorensi zokuhamba kwindawo yakho. Le mibutho yobungcali ibonelela ngolwazi lwe-inshurensi yokuhamba.
Buza ngeenxa zonke. Ukuba uthatha inxaxheba kumajelo asekuhlaleni, unokuthumela umbuzo malunga ne-inshurensi yehambo kwaye ufunde ngamanye amava abahambi.
Xhumana nabahlobo uze ucele ukuba bathenga i-inshurensi yokuhamba.
Sebenzisa i-intanethi ye-intanethi ye-intanethi, njenge-InsureMyTrip.com, SquareMouth.com, okanye i-TravelInsuranceCenter.com ukukukunceda uphando malunga neendleko kunye neendleko.
Indlela yokuthenga i-inshurensi yokuhamba
Khangela umgaqo-nkqubo oquka iimeko ezikhoyo ngaphambili; abanye a ba Abanye baya kugubungela iimeko ezikhoyo phambi kokuba uthenge umgaqo-nkqubo ngexesha lithile elixeliweyo emva kokuhlawula idizithi yakho.
Ukuba uthatha uhambo oluhambelana nemidlalo okanye uhambo, ujonge umgaqo-nkqubo ojongene nokuhamba kwezilwanyana kunye nokulimala kwezemidlalo. Ininzi-nkqubo ye-inshorensi yokuhamba ayiyi kuhlawula ukulimala okuphezulu kwe-adventure.
Funda yonke ipolisi. Musa ukuzithemba kwinto yomntu othile wokuchaza. Ukuba awuyikuqonda into ehlanganisiweyo kunye noko kungenjalo, cela imibuzo ngaphambi kokuba uthenge.
Nangona i-inshurensi yokuhamba ayinancinci - ingongeza ngaphezu kwepesenti ezilishumi kwiindleko zohambo lwakho - inokukunika uxolo lwengqondo kwaye unike uncedo lwemali ukuba kwenzeka into embi.