Umgaqo-nkqubo womshuwalense wakho wokuhamba usenokungafihla yonke imeko ekhangayo.
Xa abahlaziyi-banamhlanje besajonga ukufaka umgaqo-nkqubo we-inshorensi yokuhamba kwi-excursion yabo elandelayo, iingcinga ezininzi zingabonakala engqondweni, zeziphi iimeko ezifunyenweyo, kwaye ziziphi iimeko ezingafanelekanga. Njengazo zonke i-inshurensi, i-inshurensi yokuhamba nayo ihamba nemimiselo emininzi elawula ukuba zeziphi iimeko ezifunyenweyo, kwaye ziphi na ezingagunyaziswanga. Ngenxa yokuba umhambi ukhetha umgaqo-nkqubo othile we-inshurensi ye-travel does not mean that their individual situation will cover.
Ngaphambi kokuba athenge umgaqo-nkqubo we-inshurensi yokuhamba, abahambi kufuneka baqonde ukuba zeziphi iimeko ezihlala zihlanganiswa, ziphi na ezingekho, kwaye ziziphi iimeko eziye zenziwe. Nazi iindlela ezintathu eziqhelekileyo zokuhamba ngokungaqondakali kwinshuwalense apho bonke abahambahambayo bafuna ukwazi ngaphambi kokuba bathathe isigqibo sokuthenga umgaqo-nkqubo.
Iingcamango: i-inshurensi yokuhamba iya kubhala kuphela iziganeko zonyango
Inyani: Nangona ukhathazeka ngezokwelapha kungenye yezizathu eziphambili abahambahamba bacinga ukuthenga umgaqo-nkqubo we-inshorensi yokuhamba, icebo elifanelekileyo linokufikelela ngaphezu kokugula okanye ukulimala. Ininzi-nkqubo ye-inshorensi yokuhamba ihlinzeka ngamalungiselelo kuzo zonke iimeko ezinokuthi zenzeke ngexesha lohambo, kubandakanywa ukulibaziseka kokuhamba, ukulahlekelwa kwempahla kunye nezinye izinto eziphazamisayo.
Ukuqinisekisa ukuba abahambi bahlanganiswe kuyo yonke imeko, bonke abanomdla kufuneka bafunde ukufundwa kwemigaqo yabo. Ngokukodwa, qiniseka ukuba uqonde iimeko apho uncedo lokukhansela ukuhamba, ukulibazisa uhambo, kunye nokulahleka kwempahla kusebenza.
Xa abahambi beyazi indlela abafumana ngayo inzuzo, banokuzisebenzisa ekugqibeleni kwabo kwiimeko ezimbi kakhulu.
Iingcamango: "Ukukhanselwa kohambo" kuthetha ukuba ndiyakuncima nayiphi na isizathu
Inyani: Oku kungaba yinto engafanelekanga ngayo abahambahambayo xa bethenga umgaqo-nkqubo we-inshorensi yokuhamba. Nangona umgaqo wokurhoxisa uhambo uvumela abahambi ukuba bahlasele ihambo zabo, kwenza njalo phantsi kweemeko ezincinci
Iindleko zokukhansela ukuhamba ngokuqhelekileyo zivame ukubandakanya iziganeko eziya kuthintela umntu ukuba ahambe nohambo, njengengxamiseko yonyango, ukufa kwelungu leentsapho ezisondeleyo, okanye ingozi yemoto endleleni eya kwisikhumulo sezindiza. Ukuze wenze ibango lokukhansela uhambo, ummangali kufuneka abonise ukuba isiganeko esifanelekileyo senzeke ngokwenene .
Abo bahambayo abanomdla malunga nokukhansela uhambo lwabo ngesinye isizathu, njengesixinzelelo sezilwanyana okanye imeko yomsebenzi kufuneka bacinge ukuthenga isicwangciso ngokuChosela nayiphi na inzuzo yezizathu. Nangona ukuChoxisa nayiphi na inzuzo yesizathu kuya kubangela ukuba abahambi bayeke uhambo lwabo ngokoqobo naziphi na izizathu, banokufumana kuphela iindleko zabo zokubuyela ekhaya - ngokuqhelekileyo malunga neepesenti ezingama-75 zeendleko zohambo oluqinisekisiwe. Ukongezelela, Ukukhansela nayiphi na isizathu Isibonelelo sisoloko sidibanisa isixa-mali sokuqhawula umgaqo-nkqubo we-inshurensi yohambo.
Iingcamango: Ngeenguquko zezempilo, zonke iimeko zonyango kufuneka zifakwe
Inyani: Nangona utshintsho lwempilo luye lwaba neenzuzo kwi-inshorensi yempilo rhoqo, ayifuni kwimigaqo-nkqubo ye-inshorensi yokuhamba. Njengoko i-International Medical Group ichaza, uMyalelo woKhuseleko weMonde kunye noNonophelo loNonophelo ongenakunokuthi ungayi kulawula ixesha elifutshane, i-inshorensi yokuhamba ngexesha elifutshane.
Ngenxa yoko, iinkqubo ze-inshorensi zokuhamba aziqhelanga rhoqo izimo zonyango ezikhoyo. Umzekelo: ukuba umntu ohambahambayo unokufumana ukugula okungapheliyo okanye ukufumana ukulimala ukususela kwiintsuku ezingama-30 ukuya kwiinyanga ezili-12 ngaphambi kohambo, ukuphindaphinda okanye ukugqithisa kwalo mqathango akunakucetyiswa ngumgaqo-nkqubo womshuwalense wokuhamba.
Ukuqinisekisa ukuba umgaqo-nkqubo we-inshorensi yokuhamba uhlanganisa zonke iimeko, abahambi mabaqinisekise ukuba i-inshurensi yabo ihamba kunye ne- preiver ye-exclusion status . Oku kuthenga okubalulekileyo kuzongeza isongezelelo esongezelelweyo kwi-premium yomshuwalense, kwaye ifune ukuba abahambi bafike bathenge i-inshurensi yabo yokuhamba ngeentsuku ezili-15 ukuya kwezi-21 zokuhlawula iintlawulo zokuqala okanye iifomethi zokuqala.
Ngokuqonda indlela okungaqondakaliyo okuqhelekileyo kuchaphazela ngayo umgaqo-nkqubo we-inshurensi yokuhamba, abahambi banokuqiniseka ukuba bathenga umgaqo ofanelekileyo kubo, kungakhathaliseki ukuba bafuna ntoni.