Ngethuba lesiganeko, abahambi bangakwazi ukubuyela kwi-inshorensi yokuhamba
Kwabaninzi bamazwe ngamazwe, ugqirha ngumngcipheko omkhulu onokuchaphazela izicwangciso ngaphandle kwesixwayiso okanye isizathu. Ngenxa yokuhlaselwa, iinqwelo-moya zingasungulwa, izithuthi zikawonkewonke zingagqitywa, kwaye abahambi bangagqitywa kwindawo ababeya kuzo kwisaziso somzuzu.
Xa behamba "engozini enkulu" okanye "kwindawo eyingozi" , abahamba ngeefama bavame ukuthenga iinkqubo ze-inshurensi zokuhamba ngaphambi kokuba bahambe kunye nenkolelo baza kuhlanganiswa kwiimeko ezimbi nakakhulu.
Nangona kunjalo, izenzo zesigebengu ayinakuthi zijongwe ngumgaqo-nkqubo we-inshorensi yokuhamba-nangona xa inzuzo yongongobungakanani ibandakanywa kwisiseko seziko.
Ngokuqonda oko kungabikho, abahambi bangenza izigqibo ezingcono malunga nokuthenga i-inshurensi yokuhamba. Kweemeko ezithile, abahambi abanako ukugqitywa "ngongongoma", kodwa basenokufumana uncedo.
Imiba Engayifanelekiyo Yobugwenxa Ukuhamba NgeeNtshumo zeInnshurensi
Nangona ukubonakala kwangaphandle kwesiganeko samazwe ngamazwe, "inzuzo yobugrogmo" ayinakufihla umhambi ukuya kwimeko ekwaziswa ngokusesikweni njengesenzo sobutshaba. Umnikezeli we-inshurensi ohambahambayo uTin Leg usandul 'ukuvakalisa ukuba ngenxa yokuba isigxina saseRussia iMetroJet asizange sichazwe njengesenzo sobutyhunazi, inzuzo evela kwimigaqo-nkqubo ye-inshorensi ayinakufihla isiganeko.
Ngomnye umzekelo, iMalaysia Airlines Flight 17 yayinqunywe ukuba ihlaselwe ngumsila wokungena kwi-Ukraine.
Ngelixa ama-Ukrainian amagosa asichaza eso siganeko njengesenzo sobugorha, iSebe lase-United States alizange lisetyenziswe igama elithi "ugqirha" ukuchaza eso siganeko. Ngako oko, iintlawulo ze-inshurensi zokuhamba nge-inshorensi ayinakwandiswa kule meko ethile.
Ukongezelela, nangona iSebe leSizwe lase-US lingakwandisa izilumkiso kunye nezilumkiso zeendawo ezahlukileyo, isilumkiso asichazi ukuba isenzo.
Kunoko, isilumkiso okanye isilumkiso sandiswa njengendlela yokuqapha abahambi ngaphambi kohambo lwabo. Kuze kube nokuhlaselwa okwenene, i-inshurensi yokuhamba ingayi kuhlonipha isilumkiso esisisigxina njengesisizathu esivakalayo sokukhanselwa kohambo .
Ukongezwa koBugcisa ukuhamba ngeeNtshumo zeInnshurensi
Emva kokuhlaselwa koogqirha abasebenzayo, ezininzi iinkqubo ze-inshorensi zokuhamba ziya kubangela ukuba abahambi bafikelele ekuncedeni kwabo. Ngokomzekelo, ukuhlaselwa kweParis ngoNovemba 2015 kuthathwa njengesiganeko esifanelekileyo ukwenzela ukufikelela kwiinzuzo.
"Ukuhlaselwa kweParis kuye kwathiwa yinto yesiganeko nguRhulumente weSebe, ngoko ke abahamba ngee-inshorensi bangafunyanwa yimigaqo-nkqubo ye-inshorensi yokuhamba ngolu ngcaciso," uChrismouth CEO uChris Harvey uchaza. "Nangona kunjalo, ixesha lokuhamba kunye nohambo lwawo luya kufuna ukuhlangabezana nezinye iimfuno ukuba zilungele ukufikelela."
Ukuba umhambi uthenge umgaqo-nkqubo we-inshurensi yohambo ngaphambi kokuhamba kwawo kwaye ngaphambi kokuba izihlaselo zibe isiganeko esaziwayo , ngaba abahambi bangakwazi ukufikelela kwiingenelo zabo. Ngokuxhomekeke kumgaqo-nkqubo othengiweyo, abahambi banokukwazi ukukhansela uhambo lwabo, babe neendleko ezibandakanyekayo, okanye baphumelele kwiimeko zabo kwilizwe labo.
Ziziphi Iingenelo Ezifumaneka Kwiimeko Ezixakekileyo?
Xa kwenzeka imeko engxamisekileyo, abahambi basenokukwazi ukusebenzisa iintlawulo ezithile njengenxalenye yenkqubo yomshuwalense wabo wokuhamba.
Ukuba ingxamiseko iwela kwisigaba esifanelekileyo ngaphambi kokuhamba, abahambi bangakwazi ukufumana imali yokubuyisela iindleko zabo ezingahlawulwanga ngokufumana ukuhluthwa kokuhamba. Ukuba izithuthi zokuthutha zichithwe okanye zenziwe njengomphumo wongxamiseko, abahambi bangakwazi ukufumana iintlawulo zeendleko ezibandakanyekayo ngeenzuzo zokulibaziseka kokuhamba . Ukuba uxinzelelo lufuna umhambi ukuba abuyele ekhaya ngokukhawuleza ngenxa yemicimbi yesimo sezulu okanye ukulimala kweqabane, ngoko abahambahamba banokufumana uncedo ngokufumana ukuphazamiseka kohambo.
Ekugqibeleni, kulabo bahambayo abanenkxalabo malunga nokukhusela kwabo, ukuChoxisa nayiphi na isizathu somgaqo-nkqubo unokunceda abahambi bafumane ukuhlawulwa kwakhona xa bengasifuni ukuhamba. Ngaphantsi kweKhansela nayiphi na isizathu, abahambi bangayifumana imali encinci xa besenza isigqibo sokurhoxisa uhambo lwabo ngesizathu esingafanelekanga.
Nangona iindleko ze-inshorensi zokuhamba ziyakwazi ukujongana neemeko ezininzi ezahlukahlukeneyo, ugqirha ngummandla ompunga ongeke uhlanganiswe. Ngokuqonda ukuba yeyiphi i-inshurensi yokuhamba iya kubhalela ngaphambi kokuthenga, abahambi bangenza izigqibo ezingcono malunga nemigaqo-nkqubo phambi kokubhankwa.