Ucwaningo lwamuva olwenziwa yi-insureMyTrip isayithi lokuqhathanisa umshwalense we-insureMyTrip yembula ukuthi inani elikhulu lamaMelika alicacile ukuthi lihlanganiswe yini ukunakekelwa kwezokwelapha lapho lihamba ngaphandle kwezwe.
Uma isakhamuzi saseMelika sigula kakhulu noma silimala kwelinye izwe, isikhulu esiphezulu esivela embassy yase-United States noma se-consulate singasiza ekutholeni izinsizakalo zezokwelapha ezifanelekile nokwazisa umndeni wakho noma abangane bakho.
Kodwa ukukhokhelwa esibhedlela nezinye izindleko ngumthwalo wesiguli.
Inhlolovo ye-InsureMyTrip yabangu-800 abaphendula, cishe ingxenye eyodwa kwezintathu azi ukuthi ngabe umhlinzeki womshuwalense wezokwelapha wasekhaya uzofihla noma yikuphi ukuvakashelwa udokotela noma izibhedlela ngaphandle kwe-US Amashumi amabili nesishiyagalolunye amaphesenti akholelwa ukuthi umshuwalense wabo wanikezela ukukhokhelwa, kanti amaphesenti angama-34 acabanga ukuthi umshuwalense wabo ngeke anikele ukuhlanganisa.
Izinga lokutholakala kwezokwelapha elitholakalayo ukuhamba kwelinye izwe lingashintsha kakhulu, kuye ngokuthi umhlinzeki wakho wezempilo nokuhlela. Abahlinzeki bamashuwalense abanjengeBlue Cross neBlue Shield, i-Cigna, i-Aetna bangase banikeze ukuhlinzekwa okuphuthumayo nokuphuthumayo ngaphandle kwezwe kodwa incazelo yokuphuthumayo ingahluka.
Ukuhamba nogogo nomkhulu? I-Medicare ngeke ikhokhele ukuhlinzekwa esibhedlela okungapheli, ukuvakashelwa odokotela, noma izinsizakalo ze-ambulensi ezweni langaphandle. I-Puerto Rico, i-US Virgin Islands, i-Guam, i-Northern Mariana Islands, ne-American Samoa ibhekwa njengengxenye ye-United States.
Uma othile eqembu lakho lokuhamba ebhalisiwe ku-Medicare, angakwazi ukuthenga inqubomgomo ye-Medigap ukumboza ukunakekelwa okuphuthumayo okutholiwe ngaphandle kwe-United States. Le nqubomgomo ikhokhela amaphesenti angu-80 amacala okukhokhwa ngokunakekelwa okuphuthumayo ngaphandle kwe-US ngemuva kokuhlangana i-deductible engu-$ 250 ngonyaka. Ukusabalala kwe-Medigap kunomkhawulo wokuphila we $ 50,000.
Okumele Ubuze Umshwalense Wakho Wezempilo
Indlela kuphela yokukwazi ngokuqinisekile ukuthi uhlelo lwakho lomshuwalense olunempilo luhlanganisa yini ukubuza. Ngaphambi kokuba uhambe ohambweni lwamazwe omhlaba, shayela umhlinzeki wakho womshuwalense bese ucela ukubuyekezwa isitifiketi sakho sokubika ngencazelo yezinzuzo. Nazi imibuzo eyisishiyagalombili okufanele ubuze:
- Ngingayithola kanjani izibhedlela nodokotela ezivunyelwe lapho ngiya khona? Uma ukhetha udokotela, qiniseka ukuthi angakwazi ukukhuluma ulimi lwakho.
- Ingabe inqubomgomo yami yomshuwalense ihlanganisa izindleko eziphuthumayo emazweni angaphandle njengokungibuyisela e-United States ukuze ngilashwe uma ngigula kakhulu? Qaphela ukuthi abaningi bomshuwalense badonsa umugqa phakathi "nokunakekelwa okuphuthumayo" kanye "nokunakekelwa okuphuthumayo." okubhekisela ikakhulukazi ezimweni zokuphila noma ezesongweni.
- Ingabe umshuwalense wami uhlanganisa izinto ezinobungozi ezinjenge-parasailing, ukukhuphuka kwezintaba, ukudoba i-scuba kanye ne-off-roading?
- Ingabe inqubomgomo yami ihlanganisa imibandela ekhona ngaphambili?
- Ingabe inkampani yami yomshuwalense idinga ukugunyazwa kwangaphambili noma imibono yesibili ngaphambi kokwelashwa okuphuthumayo kungaqala?
- Ingabe inkampani yami yomshuwalense iqinisekisa ukukhokhelwa kwezokwelapha ngaphandle?
- Ingabe inkampani yami yomshuwalense izokhokhela izibhedlela zangaphandle kanye nodokotela wangaphandle ngqo?
- Ingabe inkampani yami yomshuwalense inesikhungo sokusekela odokotela ohola amahora angu-24?
Uma inqubomgomo yomshuwalense wakho wezempilo inikeza ukuhlinzekwa ngaphandle kwe-United States, khumbula ukupakisha ikhadi lakho lokuzimela lomshwalense, inombolo ye-hotline inombolo, kanye nefomu lesimangalo.
Izinkampani eziningi zomshuwalense wezempilo zizokhokhela izibhedlela "zendabuko nezengqondo" phesheya kwamanye amazwe, kodwa uMnyango Wezezwe wase-US uxwayisa ukuthi izinkampani zomshuwalense ezimbalwa zizokhokhela ukukhishwa kwezokwelapha emuva e-United States, okungahlawuliswa kalula ku-$ 100,000, kuye isimo nesimo.
Uma unenkinga yezokwelapha ngaphambili, kufanele uthwale incwadi evela kudokotela wakho oya kuyo, echaza isimo sezokwelapha kanye nanoma imiphi imithi yokwelashwa, kuhlanganise negama elijwayelekile lemithi ekhethiwe. Shiya noma yimiphi imithi oyithwala ezitsheni zayo zokuqala, ezibhalwe ngokucacile. Qinisekisa ukuthi uhlola i-embassy yangaphandle yezwe ovakashelayo noma ohambayo emgwaqeni ukuze uqinisekise ukuthi imithi yakho ayithathwa njengama-narcotics angemthetho kuleli zwe.
Ukuze uthole olunye ulwazi lwezokwelapha ngesikhathi sokuphumula, cabanga ngohlelo lweDkt Phil's Doctor on Demand , okuvumela ukuba uxoxe ngevidiyo nodokotela ngemali engu-$ 40 yemali.