Ngaphambi kokuba uthenge umshuwalense wokuhamba, bheka izinqubomgomo zomshuwalense wakho zamanje ukuze uthole ukuthi iyiphi umshuwalense ongabhalwa umshwalense oyokhokha kuqala nokuthi lokho kukhokha kuzothinta kanjani inzuzo yakho yokuphila okuphezulu. Kungcono ukuthenga ukuthengiswa komshuwalense wezempilo wenkambiso yokuhamba okuvela kumhlinzeki wakho womshuwalense wezempilo wangempela, ngisho noma kubiza kakhulu kunomgomo womshuwalense wokuhamba ohlukile, ukuze ugweme ukunciphisa okungase kube khona inzuzo yokuphila kwakho.
Isifundo seCanada saseCanada
Ngo-Mashi 2016, i-Canadian Broadcasting Corporation yashicilele isihloko esagxile ezintweni eziyinkimbinkimbi, ezibalulekile zokukhokhelwa kokuqala kanye nezigatshana ezingaphansi kwesimiso somshuwalense wokuhamba. Lesi sihloko sitshela indaba yombhangqwana waseCanada eyathengisa umshuwalense wezohambo wezokuhamba, uvakashele e-US, futhi uhlangabezane nendaba ephathelene nengozi yezempilo. Umkami wahlaselwa isifo esasongela impilo futhi wangena esibhedlela. Lapho ephilile ngokwanele ukuhamba ekhaya, bafaka isimangalo futhi inkampani yomshuwalense wokuhamba ikhokhwe.
Yilokho lo mbhangqwana abengazi, noma kunjalo, ukuthi inkampani yomshuwalense wokuhamba, njengokungathi cishe wonke umshicileli we-inshuwalense yonke indawo, ifaka isigatshana sokungena ngaphansi kwesigatshana kanye nesigatshana sokukhokha sokuqala esitifiketi senqubomgomo, okuvumela inkampani ukuba iqoqe enye yemali yesicelo kusuka umhlinzeki womshuwalense wezempilo obhekene nomlingani - umshuwalense okhokhela ukwelashwa akugcini ngokuphelele ngaphansi kwepulani lezempilo likazwelonke laseCanada.
Leyo nkokhelo ibalwa ngokumelene nokuphila komklomelo wokuphila komklomelo we-CDN 500,000, ukunciphisa nge-CDN 97,000. Kumuntu olindele ukuba aphile iminyaka eminingi - uneminyaka engu-67 - lokhu kungase kube yingozi, njengoba engase akhiphe imali yomshuwalense ukuze akhokhe imiyalelo, ukwelashwa ngokomzimba futhi, mhlawumbe, nezinye izifo ezitholwa ngaphandle kwesifundazwe sasekhaya.
Amagatya okuqala okukhokha
Izigaba zokuqala zokukhokha zivamile embonini yomshuwalense. Izinqubomgomo zesikhashana esifushane, ezifana nomshuwalense wokuhamba noma umonakalo wokulimala umonakalo wemoto yakho eqashisayo, izokhokha ngokujwayelekile isimangalo ngemuva kokuba izinqubomgomo zakho zesikhathi eside zikhokha. Lokhu kusho ukuthi umshuwalense wakho wezempilo, umshuwalense wezimoto noma inkampani yomshuwalense womninikhaya uyokhokha kuqala, futhi inkampani yomshuwalense wokuhamba noma inkampani yemoto eqashisayo iyobe isingatha noma yiziphi izimangalo ezingakhokhiwe.
Uma wenza isimangalo ngokumelene nomshuwalense wezokuvakasha noma inkampani yokuqashisa imoto, isigatshana sokuqala sokukhokha sizosebenza. Endabeni yezimangalo zomshuwalense wezimoto, into embi kakhulu engenzeka kungenzeka isuswe inqubomgomo yomshuwalense wezimoto ngenxa yezicelo ezidlulele. Umshuwalense wezeMpilo, njengoba isibonelo sethu ngenhla sibonisa, singaba nzima kakhulu.
Ukuthi ukuhlukunyezwa kusebenza kanjani
Isigatshana esisezingeni eliphansi lesigatshana sesitifiketi somgomo womshuwalense wokuhamba sibheka into enjengale:
"Ngokwezinga elingakanani uMshwalensezi okhokhela ukulahlekelwa yi-Insured, lo Mshwalense uzothatha amalungelo kanye nezixazululo ezenziwa yi-Insured ngokuphathelene nokulahlekelwa. Lokhu kuyaziwa njenge-subrogation. ngokulahlekelwa kwalo.
Lokhu kungabandakanya ukusayina noma yimaphi amaphepha futhi uthathe noma yiziphi ezinye izinyathelo uMshwalense angase azidinge ngokufanele. "(Umthombo: TravelGuard )
Lesi sigaba sinikeza imvume yomshuwalense wakho wokuhamba ngemvume yokufuna ukubuyiselwa imali evela kubanye banshuwalense noma amaqembu angabhekwa njengabakhokhi bokuqala isimangalo sakho, mhlawumbe ngenxa yokuthi amaqembu ayenecala (okusho ukuthi unomthwalo wemfanelo) noma ngenxa yokuthi izinkampani zomshuwalense zibizwa ngokuthi yizikhokhwa zokuqala enqubomgomo yomshwalense wakho wokuhamba. Ngokuvumelana nesigatshana sokuxoshwa, unikezela inkampani yomshuwalense imvume yokusebenza ukuze uxhumane nezinye izinkampani zomshuwalense futhi uthole lokhu okubuyisela.
Ukuhlukunyezwa akugcini nje ngokufaka izicelo zomshuwalense wokuhamba. Uma usengozini yemoto, isibonelo, inkampani yakho yomshuwalense ingakhokhela umonakalo emotweni yakho noma ngezokwelapha zakho, kodwa, uma omunye umshayeli ezimisele ukuba nephutha, inkampani yakho yomshuwalense izocela umshwalense umshayeli ukuba abuyisele imali nabo ngalezo zindleko, ngezinye izikhathi bengakhulumi.
Kuye lapho uhlala khona nokuthi uluhlobo luni lomshuwalense onawo, izigaba zokuqala zokukhokha kanye nezivumelwano ezingaphansi kwe-subrogation angeke zibe nemiphumela emihle yakho yomshuwalense, noma zingathinta kakhulu inzuzo yakho yokuphila okuphezulu.
Izakhamuzi Zamazwe Ahlukene Zibhekana Nezindaba Ezihlukahlukene Zokungena Emshuwalense
Izakhamuzi zase-United Kingdom zijabulela izivumelwano zomshuwalense wezempilo ezihambelanayo namazwe amaningi e-European Economic Area kanye neSwitzerland ne-Australia. Ngenxa yalokho, abahlinzeki bomshuwalense wokuhamba banganqaba ukukhokha izimangalo zezokwelapha ezifakwe abahambi base-UK abangatholi i-European Health Insurance Card (EHIC) ngaphambi kokuhamba noma abangabhalisi ohlelweni lwe-Medicare wase-Australia (ohlelweni lwempilo yomshwalense wezempilo) lapho befuna ukunakekelwa kwezokwelapha izwe. Izivumelwane zokunciphisa ngokulingana namanye amazwe amaningi angavumela izakhamuzi zase-UK ukuthi zithole ukunakekelwa kwezempilo mahhala noma okuxhaswe ngenkathi kuhamba; thintana newebhusayithi yeNational Health Service ukuthola imininingwane.
Ngiphila e-United States, futhi, ngemva kokufunda i-CBC eshiwo ngenhla, ngibheke lonke ulwazi olutholakalayo lwezinqubomgomo nezinzuzo zepulani lomshuwalense wezempilo. Angikuthi, njengoba ngiyazi, nginekhanda lokuphila konke ngezinzuzo - okungenani uma ngikwazi ukukhokhela lolu hlelo. Umshwalense wempilo yomshwalense wami wezempilo kufanele akhokhe kuqala uma ngithenga inqubomgomo yomshuwalense wokuhamba futhi ngifaka isimangalo, kodwa angizange ngilahlekelwe izinzuzo zesikhathi esizayo njengengxenye yale nqubo. Abahambi baseCanada abanezinqubomgomo zomshuwalense wezempilo ezisezingeni elihlukile kakhulu.
Khumbula ukuthi izinkinga ezithinta umbhangqwana waseCanada esihlokweni se-CBC okukhulunywe ngenhla zihlobene nokuthi izakhamuzi zaseCanada zingakwazi ukuthengwa umshuwalense wezempilo wesikhathi esengeziwe ngaphezu kwenkqubo yomshwalense wezempilo kazwelonke zonke izakhamizi ezitholayo. Lezo zincwadi ziza ngenzuzo enkulu yokuphila, futhi azihlanganisi zonke izindleko ezenzeka ngesikhathi uhamba ngaphandle kwesifundazwe sakho sasekhaya.
Lo mbhangqwana oshicilelwe ku-CBC article kungenzeka ukuthi ubheke ikhasi lezinkampani zomshuwalense wezokuvakasha kwiwebhusayithi yomhlinzeki wezinhlelo zabo zezempilo, i-Pacific Blue Cross, futhi ufunde ulwazi olulandelayo lohlelo lokuhamba: "Uma unesimo sezempilo esandisiwe nge-Pacific Blue Cross , uhlelo lwakho lokuhamba luyoba ngumholo wokuqala. Lokhu kuvikela umkhawulo wokuphila kwakho ohlelweni lwakho lwezempilo olwandisiwe. " Bangeke bafunde isitifiketi senqubomgomo yomshuwalense wokuhamba futhi babheke isigaba sokungena ngaphansi kwezigaba kanye nezigaba zokuqala zokukhokha. Futhi bebengase bakhulume nenkampani yomshuwalense wokuhamba futhi babuze ngezinqubo zokukhokha, kodwa, njengathi abaningi bethu, bebengakwazi ngokwanele mayelana nezigaba zokukhokha zokuqala kanye nezigatshana ezingaphansi kokuqala ukuqala ukubuza imibuzo efanele.