Ukuhamba ngeeNkxaso zeInnsurance
Ukuhamba rhoqo kubandakanya iingozi-ezifana nomngcipheko wokugula okanye ukufumana ingozi, ukulahlekelwa okanye ukuba nezinto ezixabisekileyo ezibiweyo, iinqwelo-moya ezilahlekileyo kunye nokulahleka kobomi kwiimeko ezinzima. I-inshurensi yokuhamba iyakunika uxolo lwengqondo ngokuncedisa ukunciphisa ithuba lakho lokulahleka kwemali ehambelana nale mngcipheko. Kukho iintlobo ezi-5 eziphambili ze-inshurensi yokuhamba, nangona ungathenga iinkqubo ezongezelelweyo zokubonelela ngeenkxalabo ezithile ezifana nobusela besazisi . Kukho iintlobo ezinhlanu ezinkulu ze-inshurensi yokuhamba. Uninzi lweentlobo ezahlukeneyo ze-inshurensi yokuhamba zingathengwa kwi-inshurensi ye-inshurensi yokuhamba:
- Inqwelo-moya yokhuseleko: Inqwelo-mali yomshuwalense ngumgaqo-nkqubo womshuwalense wobomi onokukugubungela xa kwenzeka indiza ephazamisayo ngexesha lokuhamba.
- Inkonzo Yomshuwalense: Oku kufaka imithwalo yakho enokulibazisa, elahlekile okanye eyonakaliswe ngexesha lokuhamba okanye uhambo lwendiza. Kuqukwa kwiinkqubo ezininzi ze-inshurensi yokuhamba kwiphakheji. Kukho na ukungahlawulwanga okanye ixabiso lentengo kwizinto zokugqoka, i-electronics okanye ezinye izinto ezibiza.
- Ukuphazamiseka kohambo / Inkohlakalo yokukhansela: Oku kuza kuhlawulela iindleko ukuba uhambo lwakho luphazamiseke ngenxa yezizathu ezingalindelekanga ezifana nemicimbi yezempilo okanye ukuba uhambo olulungeleleneyo oluye lwahlawulwa okanye luye lwacinywa. I-inshurensi ihlanganisa imali engabuyiselwa imali oyihlawule ngayo ukuba uhambe. Olu hlobo lomshuwalense lunokukugubungela kwisiganeko ukuba ulahlekelwe uhambo ngenxa yengozi okanye isimo sezulu esifanelekileyo.
- Intsholongwane yonyango: Umgaqo-nkqubo wokuhamba ngonyango unikezela ngeenkcukacha ezongezelelweyo xa uhamba ngelizwe lonke kwaye unokukunceda ukuhlawula iindleko ezidityanisiweyo okanye i-"out-of-network" inkokhelo yokuba i-inshorensi yezempilo yangoku ayihlawuli. Ngokuqhelekileyo, olu hlobo lwe-inshorensi yezobisi lugqithisa kwaye luhlawule iindleko zakho zonyango lwempilo ukuba umgaqo-nkqubo wakho wezempilo oyintloko awufihla.
- Inkokhelo yomshuwalense: Ukuba uthengela i-inshuwalense yokukhutshwa, le nto iya kugubungela iindleko zokuthutha kwiziko lonyango apho unokufumana unyango olufanelekileyo xa kwenzeka unxakeka. Olu hlobo lomgaqo-nkqubo luxhomekeke kwimibandela enobungozi njenge-skydiving, nangona i-inshorensi eyongezelelweyo eyongezelelweyo inokufumaneka ukuba ikhusele imisebenzi ye-adventure yemidlalo.
Ngubani owenzayo kwaye akayidingi i-inshurensi yokuhamba
Kukho iinkampani ezinjenge-Travel Guard, Tin Leg , Travelex kunye nezinye iinkampani zomshuwalense ezibhalela i-inshurensi yokuhamba kuphela. I-inshurensi yokuhamba inokunikwa kwakhona inxalenye yemvumelwano yokuqeshisa imoto njengenxalenye yekhefu yekhefu ethengwe kwikhampani yokuhamba. Ngomntu ohamba ngokubanzi kwaye ufuna uxolo lwengqondo ukwazi ukuba zihlanganiswe kwisiganeko esona senzeke kakhulu ngexesha lohambo, i-inshurensi yokuhamba ingaba yinto efanelekileyo.
Nangona kunjalo, ukuba unqabile ukuhamba okanye ufumane i-coverage kakade ngomnye umgaqo-nkqubo womshuwalense, ukuthenga i-inshurensi yokuhamba ingaba yinkcitho yemali.
Yiyiphi Umthombo Onokuthi Unayo
Kwezinye iimeko, ilahleko ezinxulumene nokuhamba zingabhekiswa yi- inshurensi yakho , i- inshorensi yabanini, i-inshorensi yonyango okanye ufumane ilahleko enikezelwa yinkampani yakho yekhadi lesikweletu. Ihlawulela ukujonga ukuba yeyiphi i-postage ongayifumana yona ngaphambi kokuba uthathe isigqibo sokuba uthenge i-inshurensi yokuhamba eyongezelelweyo ongayifuni.
Ngaphantsi
Nguwe kuphela onokugqiba ukuba iindleko ze-inshurensi yokuhamba zifanelekile uxolo lwengqondo lokukhuselwa kumngcipheko wemali ohambelana nokuhamba. Ukuba uhamba ngokubanzi kwaye ufuna ukuqiniseka ukuba ukhuselwe, zithatha ixesha ukuthenga ngeenxa zonke uze ufumane ixabiso elifanelekileyo kwi-inshorensi .
Qinisekisa ukuba awunakucetyiswa ngengozi yokuhamba ngomgaqo-nkqubo we-inshorensi ekhoyo ngaphambi kokuba wenze isigqibo sokuthenga i-inshurensi yokuhamba eyongezelelweyo. Ukuba uthengela i-inshorensi yokuhamba, funda ukushicilelwa okufanelekileyo ukuqinisekisa ukuba uyazi ukuba ngubani na ofakwe kwi-inshurensi yakho ye-inshurensi yokuhamba kunye nenani le dollar yebango ngalinye kunye nemida yexesha lomgaqo-nkqubo.