Izinketho zakho ezingcono kakhulu zokuhlala ezifuywayo, zamazwe ngamazwe, nezokunethezeka
Siyakuhalalisela-emva kweminyaka yokulondoloza nokuhlela, ekugcineni wanquma ukuthatha loluhambo lokuphila kwakho konke. Esikhathini esithile maduzane, uzobe ugibela indiza, uhlole ehotela futhi uwele lokho okuzokwenziwa ohlwini lwakho lwamabhakede.
Ukubhuka uhambo lwakho yisinyathelo esikhulu, kodwa uke ucabange ukuthi yini engenzeka uma kukhona okungahambi kahle?
Konke okudingekayo yindiza eyodwa ebambezelekile , imithwalo elahlekile noma ingozi yemoto yokudambisa lonke uhambo lwakho. Ngenxa yalokho, ungase ulahlekelwe yimali ngenxa yokuxhumana okulahlekile, amakamelo ehhotela ngenxa yokulibaziseka, noma izinkambo ezikhokhelwe ukuthi awukwazi ukubuyiselwa ithikithi elisha. Emva kwalokhu kwenzeka, ungase ucabange umshuwalense wokuhamba, kodwa ngeshwa sekwephuzile kakhulu ukubuyela emuva ngesikhathi futhi uyengeze ohambweni lwakho.
Ngaphambi kokuba uthathe i-adventure yakho elandelayo, ungase ufune ukuthenga umshuwalense wokuhamba ngesikhathi esifanayo nohambo lwakho. Ngayo yonke izinkampani zomshuwalense ngaphandle lapho enikeza "ukuphepha kwe-inshuwalense ehamba phambili," ungayethemba bani ngempela? Ngemuva kokubukeza izinqubomgomo ezinkulu ezivela lapho, lezi yizinhlelo ezinhle zomshuwalense wokuhamba esitholile kuzo zonke izinhlobo zeholide: kulabo abaya enyakatho ezweni lonke nalabo abahamba phakathi kwezwe.
01 ka 05
Okuhamba phambili Ukuvakasha Kwamakhaya: Berkshire Hathaway Travel Protection
BHTP Uma kuziwa ngokulibaziseka kokuhamba noma ukulahlekelwa kwemithwalo, akukho lutho olufana nokukhokha isimangalo sakho ngokushesha. I-Berkshire Hathaway Travel Protection (BHTP) ihlinzeka lokho kuphela kubahambi: uma uhambo lwakho luya ku-haywire masinyane, ungathola inkokhelo ngokushesha nje.
Eyakhelwe umhambi oxhunyiwe ngamadijithi, omunye wemikhiqizo yabo ethandwa kakhulu yi-AirCare. Kusukela ku-$ 34 ukuze uhambe ngezindawo zasendlini, lolu hlelo lokusebenza lomshwalense wokuhamba lungakwazi ukuqapha ukuhamba kwakho futhi ngokuzenzakalelayo kufake isimangalo egameni lakho uma kwenzeka ukubambezeleka, ukukhansela, noma ukuxhunyiwe okungahle kwenzeke. Kulabo abadinga imibhalo eyengeziwe (njengemithwalo yokulahlekelwa), ukuthumela amadokhumenti kulula njengokuthatha isithombe ku-smartphone yakho bese uyihlanganisa nesimangalo sakho.
Uma indiza yakho yasekhaya ikhanseliwe, ungase ufanele ukuthola inzuzo eyi-$ 150 engaguquki. Uma kufanele unamathele ku-tarmac amahora angaphezu kwamahora amabili, ungakhuphukela ku-$ 1,000 ngezinzuzo. Futhi uma izikhwama zakho zingafiki esikhumulweni sezindiza, ungakhuphukela ku-$ 500 uhambo ngalunye ukuze uphinde uthole ezinye izinto zakho. Izimali zikhokhwa ngokushesha kangakanani? Ngokusho kwe-BHTP Izinkokhelo ezisheshayo ezimangalisweni ezivunyelwe uma ikhadi lesikweletu noma enye indlela ye-EFT ikhethwa njengendlela yokukhokha ekhethwayo-kodwa ekugcineni kuncike ekutheni ibhange lakho lamukela kanjani imali ngokushesha.
02 ka 05
Okuhamba phambili Kokuvakasha Emhlabeni Wonke: Umshwalense we-APRIL Wokuhamba
APRIL International Uma uhlela ukuhamba phesheya, akukho okunye okhathazayo kunokuba ukhumbule kuphela lapho zonke izincwadi zakho zikhona, kodwa futhi ukhumbule ukuthi ungafaka kanjani isimangalo. Yilapho i-APRIL Travel Insurance idlula ukulindela: ucingo olulodwa, futhi isimangalo sakho seqalile kakade.
Ngamahhovisi emazweni angaphezu kuka-100, i-APRIL inikeza "Izinzuzo Eziphansi Zokucindezeleka" kusuka noma ngabe ukuphi emhlabeni. Uma uhlangabezana nesigameko esihlanganisiwe, konke okufanele ukwenze ucingo, uthumele umbhalo noma i-imeyili, noma ngisho ne-Skype kusuka ekamelweni lakho lehhotela ukuze uqale inqubo. Ithimba labo lizoqala inqubo yokufaka isimangalo sakho futhi uqinisekise ukuthi izindiza zakho ezintsha ekhaya, amakamelo ehhotela kanye nokuvakasha kukadokotela zihlanganisiwe.
Ngenkathi inkampani inikeza izingxenye eziningi zomshuwalense, enye yephakheji yawo ethandwa kakhulu yi-Economy Plan. Ngaphansi kwalolu hlelo, abahambi bahlanganiswa ukukhanselwa noma ukuphazanyiswa, imicimbi ehlobene neziphepho, izenzo zobuphekula kanye nokulibaziseka kokuhamba.
03 ka 05
Okuhle kakhulu Ukuvakasha Okunethezeka: AXA Assistance USA
AXA Enye yezinkampani zomshuwalense ezindala kanye nezinkampani eziningi zezimali emhlabeni wonke, i-AXA Assistance USA inikeza uhlelo lokuhamba ngomshwalense olunamandla lwabahambi bezokunethezeka abaye batshala konke ekuhambeni kwabo. Kungakhathaliseki ukuthi isimo siyini, i-AXA Assistance USA inehlelo lomshuwalense olungasiza.
Ngaphansi kohlelo lwawo lwePlatinum, abahamba ngezinyathelo bahlinzekwa ngokuphepha ngisho nezimo ezingavamile kakhulu, kuhlanganise nokuzenzakalela kwezezimali, ukuchithwa kwemisebenzi, nokuningi. Lolu hlelo lubuye lusethe okunye okukhethwa kukho kokuthengwa ngokoqobo ngokoqobo, okufaka ku- Khansela nganoma iyiphi inkokhelo yomshuwalense , kanye ne-Cancel for Work Reasons inshuwalense.
Kodwa-ke, ukuze bazuze lezi zinzuzo, abahambi badinga ukusheshisa ngokuthenga umshwalense wabo wokuhamba. Ukuze kutholakale ukukhokha kwezezimali, abahambi kudingeka benze inkokhelo yabo yokuqala yomshuwalense ezinsukwini ezingu-14 zokubhuka izingxenye zokuqala kohambo lwabo. Njengezinhlelo eziningi zomshuwalense wokuhamba, Khansela nganoma yisiphi isizathu-okuvumela abahambi ukuthi babuyiselwe izindleko zabo eziningi zokuhamba uma bekhansela ngesizathu esingavamile-kungumkhiqizo wengeze.
04 ka 05
Okuhamba phambili Kokuvakashela Amazwe Asengozini: IMG Global
Ngeshwa, izwe lingaba yindawo engozini kumhambi ongabonwanga. Ukusuka kokusongelwa kobuphekula, izimbangela eziyinhloko zokufa ngaphandle ( okungabandakanyeki oshaka ), isongo sokugula nokulimala ngaso sonke isikhathi sikhona ekuhambeni.
Kulabo abangase babe nokukhokhela umshwalense wokuhamba ngezinkampani zabo zamakhadi kodwa bafuna ukuhlinzekwa ngokwezempilo, i-IMG Global inikeza umkhiqizo kuphela wezokwelapha. Ngokwe-deductible ephansi, izinhlelo zabo zomshuwalense wokuhamba zinikeza ukuhlinzekwa okuphezulu okudinga ukwelashwa okuphuthumayo, ukunakekelwa kwempilo ngaphambi kokukhona, kanye nokukhishwa kwezokwelapha.
Ngalokhu kuncike phansi, lezi zinshuwalense zokuhamba zomshuwalense azihlinzeki ngalutho ngaphandle kokuthola usizo lwezokwelapha. Kuhlelo lwabo oluyisisekelo lwe-Patriot Travel Medical Insurance, ayikho inkokhelo yokukhansela kohambo, ukubambezeleka kokuhamba, noma ukuxhumana okulahlekile. Qinisekisa ukuqonda zonke izinzuzo zomshuwalense wokuhamba onawo ngaphambi kokunquma ukuthenga lo mkhiqizo.
05 ka 05
Umshuwalense Wokuphulukiswa Kwezokwelapha Okuhamba phambili: I-Global Guardian Air Ambulance
I-Global Guardian Esikhathini esingalindelekile udinga ukubamba ikhaya le-ambulensi ekhaya, ukuthola eyodwa kungaba ukuthenga okubizayo. Kuye lapho ukhona, ukukhishwa kwezokwelapha kungadla imali engaphezu kwama- $ 10,000 , ngaphezu kokuphathwa kwezokwelapha kanye nokuhamba komhlaba.
Umshwalense we-Global Guardian Air Ambulance unikeza ukuvakasha kwabahambi ababhekene nokukhathazeka ngokubuyela ekhaya ngemuva kokuphuthumayo. Lapho bebhedlela esibangeni elingaphezu kwamamitha angu-150 ukusuka ekhaya labo eliyinhloko, i-Global Guardian Air Ambulance inikeza ukuphunyuka kwezokwelapha emuva e-United States noma eCanada. Izinhlelo zabo zomshuwalense ziyatholakala ezinyangeni eziyisithupha noma kuze kube unyaka owodwa.
Njengamanye imikhiqizo yezokwelapha, azikho ezinye izinketho zokubheka ezinikezwe eceleni kwalolu hlelo. Okuphambene nalokho ukuthi abahambi bangathola ama-air ambulance ama-evaporations angama-air ngonyaka, kungakhathaliseki ukuthi yizindleko eziphelele.