Inqubomgomo yomshuwalense wakho wokuhamba ingase ingafihli zonke izimo ezikhangisayo.
Lapho abashayeli besikhathi samanje bebheka ukungeza inqubomgomo yomshuwalense wokuhamba ekuvakaseleni kwabo okulandelayo, imibono eminingi ingase ikhumbule ukuthi yiziphi izimo ezihlanganisiwe, nokuthi yiziphi izimo ezingavunyelwe . Njengazo zonke izinhlobo zomshuwalense, umshuwalense wokuhamba uyeza nemithethonqubo eminingi elawula ukuthi yiziphi izimo ezihlanganisiwe, nokuthi yiziphi ezingavunyelwe. Ngoba umhambi ukhetha inqubomgomo ethile yomshuwalense wokuhamba akusho ukuthi isimo sabo ngasinye sizohlanganiswa.
Ngaphambi kokuthenga inqubomgomo yomshuwalense wokuhamba, abahambi kudingeka baqonde ukuthi yiziphi izimo ezivame ukumbozwa, yiziphi ezingekho, nokuthi yiziphi izimo ezenziwe kuphela. Nakhu okungafani okungaqondakali komshwalense wokuhamba ngezinyawo ezintathu ezihambayo wonke umuntu ohambahambayo ngaphambi kokuba anqume ukuthenga inqubomgomo.
Ukungalungi: umshuwalense wokuhamba uzovota izenzakalo zezokwelapha kuphela
Iqiniso: Nakuba ukukhathazeka ngezokwelapha kungenye yezizathu eziyinhloko abahambi bacabangela ukuthenga inqubomgomo yomshuwalense wokuhamba, uhlelo oluhle lungabandakanya okuningi kunokugula noma ukulimala. Izinqubomgomo eziningi zomshuwalense wokuhamba zinikeza izimo kuzo zonke izimo ezingenzeka phakathi nohambo, kuhlanganise nokulibaziseka kokuhamba , ukulahlekelwa kwemithwalo , kanye nezinye izinkathazo ezivamile.
Ukuqinisekisa ukuthi abahamba ngezinyawo bahlanganiswa ngazo zonke izimo, bonke abadlali abadinga ukufundela ukuthola ukuphrinta kwezinqubomgomo zabo. Ngokuyinhloko, qiniseka ukuthi uyaqonda izimo lapho izinzuzo zokukhansela uhambo, ukubambezeleka kokuhamba, nokulahlekelwa kwempahla kusebenza.
Lapho abahambi bekwazi ukuthi izinzuzo zabo zisebenza kanjani, bangakwazi ukuzisebenzisa ekuhambeni kwabo okulandelayo esimweni esibucayi kakhulu.
Ukungahambi kahle: "ukukhanselwa kohambo" kusho ukuthi ngingakwazi ukukhansela nganoma yisiphi isizathu
Iqiniso: Lokhu kungase kube yinkinga enkulu abahambi lapho bebhekene nenqubomgomo yomshuwalense wokuhamba. Nakuba inqubomgomo yokukhansela uhambo ivumela abahambi ukuthi bakhansele uhambo lwabo, kwenza kanjalo ngaphansi kwezimo ezilinganiselwe kakhulu zezimo
Izinzuzo zokukhansela zendabuko ngokuvamile zihlanganisa izenzakalo ezizovimbela umuntu ukuba ahambe, njengokuphuthumayo kwezokwelapha, ukufa kwelungu lomndeni ngokushesha, noma ingozi yemoto endleleni eya esikhumulweni sezindiza. Ukuze wenze isimangalo sokukhansela uhambo, ummangalelwa kufanele aveze ukuthi umcimbi ofanelekile ngempela wenziwa.
Laba bahambi abakhathazekile ngokukhansela uhambo lwabo ngesizathu esithile, njengokuphuthumayo kwezilwane noma isimo somsebenzi kufanele bacabangele ukuthenga uhlelo ngokukhansela nganoma iyiphi inzuzo yezizathu. Nakuba i-Cancel ye-Any Reason Reason izovumela abashayeli ukuba bayeke uhambo lwabo ngenhloso noma yiyiphi isizathu, bangase babuyisele kuphela ingxenye yezindleko zabo zokubuyela emuva - ngokuvamile cishe amaphesenti angama-75 ezindleko zokuhamba nge-insured. Ngaphezu kwalokho, Khansela nganoma yisiphi isizathu Izinzuzo zivame ukufaka inani elilinganiselwe kwinqubomgomo yomshuwalense wohambo lonke.
Iphutha: Ngezinguquko zokunakekelwa kwempilo, zonke izimo zami zezokwelapha kufanele zifakwe
Iqiniso: Nakuba izinguquko zokunakekelwa kwempilo zenezela izinzuzo kumshwalense wezempilo ovamile, azisebenzi ezinkambisweni zomshuwalense wokuhamba. Njengoba i-International Medical Group ichaza, Ukuvikelwa Kweziguli Nokunakekelwa Okunakekelwa Ngokwempahla kungase kungabi ukulawula izinqubomgomo zomshuwalense wokuhamba isikhathi esifushane, ezinqunyelwe isikhathi eside.
Ngenxa yalokho, izinqubomgomo zomshuwalense wokuhamba azivami ukumboza izimo zezokwelapha ezikhona ngaphambili. Isibonelo: uma umhambi eyobhekana nokuqala kokugula okungapheli noma ukuthola ukulimala kusuka ezinsukwini ezingu-30 kuya ezinyangeni ezingu-12 ngaphambi kohambo lwabo, ukuphindaphinda noma ukuwohloka kwalesi simo akumele kutholakale inqubomgomo yomshwalense wokuhamba.
Ukuze uqiniseke ukuthi inqubomgomo yomshwalense wokuhamba ihlanganisa zonke izimo, abahambi kumele baqinisekise ukuthi umshuwalense wabo uhambisana nokukhishwa kwesimo esivele sikhona . Lokhu kuthenga okubalulekile kuzofaka isamba esengeziwe kwinkokhelo yomshuwalense yonke, futhi kungadinga ukuthi abashayeli bathenge umshwalense wabo wokuhamba ngezinsuku ezinsukwini ezingu-15 kuya kwezingu-21 zokubeka phansi izinkokhelo zokuqala noma imali yokuqala yokuhamba.
Ngokuqonda ukuthi lokhu ukungezwani okuvamile kuthinta inqubomgomo yomshwalense wokuhamba, abahambi bangaqiniseka ukuthi bathenga inqubomgomo efanele kubo, kungakhathaliseki ukuthi badinga izidingo zabo.