Ingabe Udinga Umshwalense Wokuhamba?
Cabanga ngalezi zimo:
- Uwela futhi uphule umlenze ngenkathi uvakashela eCroatia. Kumelwe ubaleke ekhaya, kodwa awukwazi ukugoba idolo lakho lesobunxele.
- Izinsuku ezimbili ngaphambi kokuba ushayele eNew Zealand, wehla nomkhuhlane wonyaka we-influenza.
- Umkhumbi wakho wokuhamba ngomkhumbi awukwazi ukushiya ngesikhathi ngoba isiphepho sibhekene nomuzi wakho wokuhamba.
Uma uthenga umshuwalense wokuhamba okahle ngaphambi kokuba uhambo lwakho luqale, ungabuyiselwa kakhulu izindleko zohambo lwakho olukhanseliwe noma izindleko ezengeziwe zezindiza ekhaya ngenkathi ukhubazekile.
Cabanga ukuthenga umshuwalense wokuhamba ukuvimbela izinkinga ezingalindelekile ekubhubhiseni iholidi lakho lokuphumula.
Ingabe Umshwalense Wokuhamba Uyimfuneko?
Nakuba abanye ochwepheshe bezokuvakasha bathi umshwalense wokuhamba awufanelekile imali, abahamba phambili kufanele bahlole ngalolu daba ngokucophelela ngezizathu eziningana.
Uma umshuwalense wakho wezokwelapha kuphela u-Medicare noma i-Medicaid futhi uhlela ukuya kwelinye izwe, kufanele uthenge umshuwalense wezokwelapha wokuhamba. I-Medicare ikhokha kuphela izindleko ezenziwa ngaphakathi kwe-US. Uma ugula noma ulimala ngenkathi ephesheya, kulindeleke ukuthi ukhokhele ukunakekelwa kwezokwelapha phambili, kungakhathaliseki ukuthi unayo umshuwalense wezokwelapha kwezohambo noma cha. Ukunakekelwa kwezokwelapha okuphuthumayo kungabiza, futhi ukukhishwa kwezokwelapha (ekhaya elihamba ngezinyawo ngenkathi ligula noma lilimale) libiza izinkulungwane zamadola.
Uma u-insured ngokusebenzisa i-HMO, hlola ukubona ukuthi ungathola ukunakekelwa kwezempilo okuphuthumayo ngaphandle kwendawo yesevisi ye-HMO. Amanye ama-HMO ngeke agubungele izifunda zezempilo noma izindleko zezokwelapha.
Ukuhamba umshuwalense wezokwelapha kungaba yindlela enhle yokwengeza ekuhlinzekeni kokunakekelwa kwempilo uma indawo yakho yenkonzo ye-HMO inqunyelwe.
Uma ubhala uhambo noma i-cruise futhi kufanele ukhokhele, ungase ubhekane nesigwebo kusuka ku-opharetha wakho wokuvakasha noma umugqa wokuhamba uma udinga ukukhansela uhambo lwakho. Le nhlawulo ingase ibe ngaphezu kwezindleko zomshuwalense wokukhansela uhambo.
Uma kunjalo, umshuwalense wokukhansela uhambo ungakuvikela ekulahlekelweni okukhulu.
Uma uhamba njalo, cabangela ubulungu bonyaka ohlelweni lokuphuthumayo oluphuthumayo njengoMedjetAssist. Ngama-dollar angamakhulu ambalwa ngonyaka, uzothola ukuthutha kwezokwelapha eziphuthumayo esibhedlela sakho esikhethiwe uma kufanele ugula noma ulimale.
Izinhlobo zomshuwalense wokuhamba
Ukuthengwa komshuwalense wokuhamba kungadideka. Kunezinhlobo eziningi zezinhlelo zomshuwalense wokuhamba. Abanye banikeza uhlobo olulodwa kuphela lokufaka, kanti ezinye izinqubomgomo eziphelele.
Ngokusho kwe-US Travel Insurance Association (UStiA), kunezinhlobo ezintathu eziyisisekelo zokuhamba komshuwalense wokuhamba:
Ukukhanselwa kokuhamba / Ukulahla / Ukuphazamiseka kokusebenza
Lolu hlobo lwenqubomgomo lufaka izindleko zezindleko zakho ezikhokhelwa kuqala uma udinga ukukhansela uhambo lwakho. Umshwalense wokukhansela uhambo uzokubuyisela uma ungenakukwenza uhambo ngoba wena noma ilungu lomndeni liyagula noma uma izinkinga zezulu zikuvimbela ukuba uhambe. Izophinde ikubuyisele imithwalo elahlekile . Ezinye izinqubomgomo zihlanganisa ukuphasiseka kwezimali kwephakeli lakho lokuhamba noma ukhokhela ukufaka nokudla ngesikhathi sokulibaziseka okuqala ngemuva kohambo lwakho luqala.
Usizo Lwezokwelapha Eziphuthumayo Nokuhlinzekela Ukuphuza
Lokhu kukhokha ukunakekelwa kwezokwelapha kanye nezindleko zokuhamba ngokuphuthumayo kokubuya.
Lokhu kuhlinzeka kubalulekile ikakhulukazi kubahambi abahamba phambili ngoba ukhokha izindleko zezokwelapha ezenziwa ngaphandle kwezwe lakini.
Usizo lwefoni lwamahora angu-24
Lokhu kutholakala kunika abahambi ngendlela elula yokuthola odokotela futhi uthole usizo oluphuthumayo. Kuwusizo ngokukhethekile uma usendaweni lapho isiNgisi asikhulumi ngaso sonke isikhathi.
Lapho Uthola Imininingwane Yomshuwalense Wokuhamba
Shayela inkampani yakho yomshuwalense bese ubuza ukuthi bathengisa umshwalense wokuhamba.
Thintana ne-US Travel Insurance Association, i-Travel Health Insurance Association yaseCanada noma inhlangano efanayo yokuhweba ezweni lakini. Cela uhlu lwama-agent yomshuwalense wokuhamba endaweni yakini. Lezi zinhlangano zobuchwepheshe zihlinzeka ngolwazi lomshuwalense wokuhamba.
Buza nxazonke. Uma ubamba iqhaza emithonjeni yezokuxhumana, ungathumela umbuzo mayelana nomshuwalense wokuhamba futhi ufunde ngokuhlangenwe nakho kwamanye abahambi.
Oxhumana nabo bese ucela ukuthi bathenga umshuwalense wokuhamba.
Sebenzisa isayithi lokuqhathaniswa nomshuwalense online, njenge-InsureMyTrip.com, SquareMouth.com, noma i-TravelInsuranceCenter.com ukukusiza ucwaninge ukufakwa kanye nezindleko.
Indlela Yokuthenga Umshwalense Wokuhamba
Bheka inqubomgomo ehlanganisa izimo ezikhona ngaphambili; abanye abakwenzi. Abanye bazothola izimo zangaphambili ezikhona kuphela uma uthengela inqubomgomo yakho esikhathini esithile ngemuva kokukhokha idiphozi yakho.
Uma uthatha uhambo oluhlobene nezemidlalo noma lwe-adventure, bheka inqubomgomo ehlanganisa ukulimala kwe-adventure nokulimala kwezemidlalo. Izinqubomgomo eziningi zomshuwalense wokuhamba ngeke zikhokhele ukulimala okuphezulu kwe-adventure.
Funda yonke inqubomgomo. Ungathembeli ekuchazeni komunye umuntu wokubika. Uma ungaqondi ukuthi yini ehlanganisiwe nento engekho, buza imibuzo ngaphambi kokuthenga.
Ngenkathi umshuwalense wokuhamba awushibhile - ungafaka cishe amaphesenti ayishumi ezindleko zohambo lwakho - kungakunika ukuthula kwengqondo futhi unikeze usizo lwezezimali uma kwenzeka into embi.