Lokho Engikwenzile: Ukuhamba Ngomshuwalense Nezindleko Zedokotela Eziphakathi

Yeka ukuthi ukutshalwa kwezimali okuphansi okuphansi kungabangela ukugcina okukhulu ngaphansi komugqa

Kubantu abaningi abahambahambayo, umbuzo womshuwalense wokuhamba uhlaselwa ezintweni ezintathu: izindleko, uhambo, nokuthi ukuhamba kwabo kungathinteka kanjani izimo zamazwe ngamazwe. Kodwa-ke, yiziphi eziningi abahambi abangacabangi ukuthi yizindleko zokugula noma ukulimala lapho bephesheya.

Abaningi abahambayo bafundiswa kahle ngezinzuzo eziningi zomshuwalense wokuhamba, okubandakanya ukukhanselwa kohambo, ukubambezeleka kokuhamba, nokulahlekelwa kwemithwalo . Abaningi abahamba ngezinyawo bayethemba izinqubomgomo zomshuwalense wokuhamba esivele zinikezwa ngokusebenzisa amakhadi abo esikweletu . Kulezi zimo, lokho okuvame ukungazinaki yizinzuzo zokunakekelwa kwezempilo eziza nenqubomgomo yomshuwalense ohamba phambili. Ngaphansi kwepulani elilungile, umuntu ohambahamba angakwazi ukumbozwa ukugula egameni lakhe ngaphandle, ukulimala engozini, noma ngisho nokudinga ikhaya eliphuthumayo.

Ngaphambi kokuba unamathele kumthethosivivinywa wokunakekelwa kwezokwelapha, qinisekisa ukwazi izindleko zomshwalense wokuhamba ngokuhambisana nezindleko zokuhlala esibhedlela samazwe ngamazwe. Nakhu ongaqeda ukuchitha uma uhambo olulandelayo luphela ekamelweni eliphuthumayo.

• 01 ka-06

  Izindleko Ezijwayelekile Zokuhamba Umshuwalense: $ 263.48

  Ngokusho kocwaningo lwe- American Express 2016 lokuSusa nokuLondoloza, abalimi abane baseMelika bazothatha okungenani iholide elilodwa ehlobo kulo nyaka. Kulabo, cishe ingxenye yesine kuzobe behamba ngaphandle kwezwe kwenye yezo zinsuku. Intengo ejwayelekile yohambo ngu-$ 948 ngomuntu ngamunye, ukukhuphula ithebhu yomndeni wezine ukuya ku-$ 3,792.

  Nakuba intengo yomshuwalense wokuhamba ingahluka ngokuya ngezici eziningana, umshwalense umdayisi u-InsureMyTrip ulinganisela inqubomgomo yomshuwalense wokuhamba kufanele ulahle phakathi kwamaphesenti amane neshumi endleko yokuhamba. Ngamanani aphakathi kwamaphesenti angu-7, inqubomgomo yomshuwalense wokuhamba emndenini wezingane ezine kufanele ubiza cishe u-$ 263.48.

  Nakuba lokhu kulinganiselwa okulinganiselwe, izindleko zangempela zenqubomgomo yomshuwalense wokuhamba zizohluka phakathi kwabahlinzeki futhi phakathi kwezici ezithile. Lezi zingabandakanya iminyaka yabahambi, ubude bohambo lwabo, namazwe abo okuya kuwo.

• 02 ka 06

  Izindleko ze-Ambulance Izithuthi: $ 434 noma ngaphezulu

  Kungakhathaliseki ukuthi sihambaphi emhlabeni, izingozi nezimo zezokwelapha kungenzeka. Nakuba abanye abahambi bangase babone isimo sabo futhi baziphathe ngokwabo ukuze banakekele, abaningi bangase bangakwazi ukukhubazeka futhi badinga usizo. Kulezi zimo, abahambi bangase badinge i-ambulensi ukuyoyisa esibhedlela.

  Nakuba izindleko ze-ambulensi e-United States ziye zabhalwa kabanzi, izindleko ze-ambulensi ziyahlukahluka emhlabeni jikelele. Kwezinye izimo, ezifana ne-Ireland, abahamba ngezinyawo abathunyelwa ekamelweni eliphuthumayo kungenzeka bangabi nabangela izindleko ze-ambulensi yabo. Kwezinye izingxenye zomhlaba, njengeSingapore, ukuthutha kwe-ambulensi kungadla cishe u-$ 434, uhambo olusuka esibhedlela luya endaweni yesiphephelo sezindiza ukuze uthole ukuphuthumayo okuphuthumayo.

  Nakuba ezinye izindleko zokuthutha eziphuthumayo zihlanganiswa e-United States ngaphansi komshuwalense wezempilo, abahlinzeki abaningi bomshuwalense abavamile - kuhlanganise ne-Medicare - ngeke bahlanganise abahambi ngaphandle kwe-United States. Ngakho-ke, ngaphandle komshuwalense wokuhamba, abahambi bangaphoqeleka ukuba bakhokhele ngokwabo.

• 03 ka 06

  Izindleko Zobhedlela: Kufika ku-$ 1,742 ngosuku

  Ngo-2015, idatha yedatha yaseMelika e-United States yembule ukuthi abangaphezu kuka-900 baseMelika babulawa ngaphandle kwamanye amazwe, kanti iningi lalabo abashona bevela ezingozini zethrafikhi, emanzini, nezinye izigameko . Kulabo ababulewe, baningi abaningi abafuna ukuhlala esibhedlela ukunqoba ukugula noma ukulimala. Nakuba kungekho muntu ohlela ukuthola isibhedlela esibhedlela ngaphesheya, ingozi engalindelekile ingabiza abahambi ngokuhamba kwesikhathi.

  Ngokusho kweThe Washington Post , labo abangenawo umshuwalense wokuhamba bangabhekana nemali ephakeme nsuku zonke abasesibhedlela. E-Australia, ukunakekelwa kwezibhedlela kungabiza u-$ 1,742 ngosuku, kanti lelo gumbi lingakwazi ukubiza amaRandi angu-700 eFrance naseNetherlands.

  Ngaphandle komshwalense wokuhamba ngomshwalense, uMnyango WezoMbuso uyaxwayisa ukuthi abahambi banomthwalo wokufaka zonke izindleko zabo esibhedlela. Nakuba i-embassy ingasiza abashayeli ukuba bahlele imali yokuthunyelwa ekhaya, abanakuqinisekisa ukuthi bakhokhelwa ukunakekelwa esibhedlela, futhi bangabhekiseli kudokotela noma bathumele udokotela ukusiza abahambayo ekuhluphekeni .

• 04 ka 06

  Izindleko ze-MRI noma ze-CT Scans: Kufika ku-$ 1,072 ngokukhipha

  Kulabo abadinga ukuskena okungaphezulu okuphelele ngenxa yokulimala kwangaphakathi, udokotela angase anikeze iskena se-MRI - esifushane esithombeni se-resonance magnetic. Enye i-scan evamile iyisibalo se-computer, noma i-CT Scan. Ngenkathi lezi zicabangela zingadala izithombe ezinembile zomzimba womuntu, nazo zingafika ngentengo ephezulu kakhulu.

  Ngokombiko we- Washington Post , i-MRI ingadla imali engaphezu kwama-dollar angu-1 ngenkathi ephesheya. Izwe elibiza kakhulu kunazo zonke zeMRI yiNingizimu Afrika, elandelwa yiSwitzerland, eNew Zealand, eChile naseFrance. Kuyo yonke iYurophu, i-MRI eshibhile itholakala eSpain, ngenani elilinganiselwa ku-$ 230.

  I-CT Scans nayo ifika ngentengo ephezulu kakhulu. Leli phephandaba lithole izindleko ezishibhile ze-CT Scan esiswini eNingizimu Afrika naseSwitzerland, zingu-$ 400, ngokwesilinganiso. Zonke ezinye izindawo ezihlolwe eYurophu, kuhlanganise neNetherlands, eFrance nase-United Kingdom, zonke zikhokhise imali engaphezu kwezingu-150 ze-CT Scan.

  Nakuba lezi zingqinamba zingase zisindise impilo, nazo zifika ngentengo. Qinisekisa ukuhlola ukuthi inqubomgomo yakho yomshuwalense wezokuvakasha izokwenzela lezi zivivinyo uma kudingekile ukuthi udokotela udingekile.

• 05 ka 06

  Izindleko Zemibuzo Elandelwayo: Izigidi ezingaphezu kuka-30 Ukuvakashelwa

  Kuzo zonke izimo lapho umhambi angene khona ngenkathi ephesheya, ukubona udokotela ukuvakashelwa ihhovisi kungase kube yizindleko ezifanele kakhulu ezingase zihlangabezane nazo. Emazweni ahlolwe emhlabeni jikelele yiThe Washington Post , ukuvakashelwa kwehhovisi elibi kakhulu kunezindleko zamaRandi ayizigidi ezingama-38 ngonyaka weChile.

  Nokho, okuningi e-United States, ukutholakala kodokotela kungahlukahluka emhlabeni jikelele. Ngaphezu kwalokho, ukukwazi ukubona udokotela ngamanani ajwayelekile kungase kube nzima, ngenxa yezingqinamba zolimi nezinqubomgomo zehhovisi. I-embassy yendawo ingasiza abantu abahambahambayo ukuthola udokotela, kanti inqubomgomo yomshwalense yokuhamba ingasiza ekutholeni odokotela abazokwamukela inqubomgomo yabo njengokukhokha, noma isiqinisekiso sokukhokha.

• 06 ka-06

  Izindleko ze-Ambulance ye-Air: $ 10,000 nangaphezulu ukukhishwa ngalunye

  Ekugcineni, wonke amaphupho abahamba ngezinyawo zokubuyela ekhaya emagumbini okuhamba phambili endizayini yezindiza - hhayi ikamelo eliphambili le-ambulensi yomoya. Labo ababhekana nokulimala kanzima ngenkathi bephesheya bangase badinge ukubuyela e-ambulensi ekhishwe ngokukhethekile, ekwazi ukuhlinzeka ngokusekelwa esibhedlela esibhedlela sasiya ezweni lakubo.

  Ukugibela i-ambulensi yomoya akuyona eshibhile, kungaba ekhaya noma emazweni angaphandle. Ku-athikili eyanyatheliswa yiThe New York Times , okhulumela i-Association of Air Medical Services walinganiselwa ukuthi intengo ejwayelekile ye-ambulensi ye-air ibe ngu-$ 10,000 noma ngaphezulu. Ngaphandle kohlelo lomshuwalense wokuhamba kahle, umhambi angaphoqeleka ukuba akhokhe lezo zindleko ngaphambili , ngaphambi kokuba abuyele ekhaya egumbini le-ambulensi.

  Lapho ubhekene nokukhetha okunzima kokusebenzisa i-ambulensi yomoya, qiniseka ukuthi uthintana nomhlinzeki womshuwalense wokuhamba kuqala nangaphambili. Nakuba abahlinzeki bomshuwalense wokuhamba bangase banganiki usizo ngemuva kwesigameko , ukuthenga inqubomgomo yomshwalense wokuhamba ngaphambi kokushiya ekhaya kungaqinisekisa ukuthi abahambi bahlanganiswa uma kwenzeka isimo esiphuthumayo.