Inshorar tafiye tafiye zuwa ƙasashen waje: dabaru don guje wa abubuwan mamaki

Masu yawon bude ido, Inshorar yawon shakatawa ana fahimtar injunan da ke ba da 'yancin karbar kulawar likita da yakamata a cikin kasar mai masaukin baki. Ana daukar tsarin inshorar likita na taimako, kuma yana cikin abubuwan da aka bari a ba a kula ba, kuma gaba ɗaya yana cikin banza - inshorar inshora za su taimaka wajen guje wa wasu matsaloli masu yawa yayin tafiya.

Masu yawon bude ido, ba shakka, mafi yawan lokuta, ba shakka, ku sani game da buƙatar inshora, da kuma game da abin da zai iya biyan kuɗi don biyan sabis na asibiti.

Wadanda suke yin tafiyar da balaguronsu ta hanyar masu ba da izinin yawon shakatawa ba suyi tunanin inshorar lafiya kawai saboda tsarin inshorar tafiye-tafiye na likita don tafiya ƙasar waje ba.

Koyaya, yawon bude ido, waɗanda suka fi son tafiya da kansu, da kuma waɗanda galibi suna tafiya akan kasuwancin kiwon lafiya da kuma siyan kan layi suna taɓawa kan yanar gizo na kamfanonin inshora. A matsayinmu na nuna, waɗanda aƙalla sau ɗaya suna fuskantar matsaloli iri ɗaya a cikin tafiya, a nan gaba, za su tafi ƙasar waje, koyaushe samun inshora.

Samun ɗayan ɓangare ne mai mahimmanci na shirin tafiya, kuma ya kamata ko da an yi shi kafin fara tafiya %% da dama a kan tafiya na dogon lokaci.

A lokaci guda, ban da daidaitattun inshorar likita, zaku iya kare kanku ne kawai a cikin taron wasu wuraren da ba a tsammani ba. A saboda wannan, alal misali, inshora a kan asarar kaya, kariya daga sakewa da wasu hanyoyi ana bayar da su. Bari mu bincika su dalla-dalla.

Menene nau'ikan inshorar balaguro kuma me za ku iya yin hakan?

Bari mu fara da gaskiyar cewa manufar wadancan balaguro kasashen waje kasashen waje ta kasashen waje, wacce ke ba da kariya ga hatsarori, ban da inshorar likita, zai iya haɗawa da wasu nau'ikan haɗarin. Zai iya zama:

Kudaden kiwon lafiya

Kudaden kiwon lafiya - this type of insurance is required for tourists traveling abroad. Even when it comes to visa-free countries, medical insurance is usually mandatory in the package of entry documents. The sum insured under such insurance applies to:

1. Magungunan da aka wajabta - kuma yana da matukar muhimmanci a yarda da wadannan kudin tare da kamfanin inshora, saboda siyan magunguna ɗari bisa dari tabbatar da cewa an rufe su. Don yin wannan, kuna buƙatar kiran lambar lamba ta cibiyar kiran kamfanin inshora - galibi lambobin wayar da ake buƙata suna haɗe zuwa manufar.
2. Magani mai ban tsoro.
3. Kawowa da wanda aka azabtar zuwa asibiti ko zuwa wurin zama (na karshen - ya ba da damar samar da lafiyar mahimmancin asibiti a cikin ƙasar soja na iya wuce iyaka inshora a cikin kwangila). Ya kamata a lura cewa ba mu magana ne game da farashin sufuri, amma game da sufuri da kanta, wato, kamfanin inshora ne, ko kuma a samar da isowar asibiti ko wani abin hawa.
4. Doka don kashe kudi a cikin taron cewa mutum ba zai iya tashi gida akan lokaci saboda buƙatar buƙatar magani ba.

Wani inshorar da aka inshare don wannan nau'in inshorar, a cewar ka'idodin inshora, rashin lafiya kwatsam a yankin manufofin. A wannan yanayin, ba a gane wani taron ba kamar yadda aka danganta shi da cututtukan da aka sani da sanannun kwangilar da / ko da cututtukan da mai inshora bai sami magani ba su). Wannan dokar ta kasance duniya ga kowane cuta, gami da cututtukan zuciya.

Za'a iya gano wani dabaru a cikin wannan, tunda asalin inshora shine kariya daga haɗarin, abin da ya faru wanda yake da wuya a hango a gaba. Idan mutum da zuciya mai rashin lafiya ya huta a wata ƙasa - alhakin lafiyar su su kwana da shi, kuma ba tare da kamfanin inshora ba. Idan mutum mai lafiya yana da matsalolin zuciya, insurer zai rufe farashin bayanan da ake buƙata, magunguna da likita ya tsara, farashin asibiti da likita ya tsara shi, farashin asibiti da likita ya tsara shi, farashin asibiti da likita aka wajabta.

Haka kuma, idan inshora kuskure ya gudu saboda asibiti, da inshora kamfanin zai gabatar da kuma albashi da ya dawo da wuri na dindindin zama (duk kudi an rufe cikin da inshora adadin kayyade a cikin inshora kwangila).

A misali adadin inshorar kiwon lafiya ga mafi yawan kasashen (ciki har da na Turai labarinka kasashen) ne 30 dubu kudin Tarayyar Turai (a halin yanzu musayar kudi a rubles shi ne 2501653,66, da kudin wannan tafiya inshora iya Range daga 0.5 zuwa 2 Tarayyar Turai ta ranar zaman) ; ware - Amurka, Canada, Japan, a cikin abin da adadin inshora ɗaukar hoto dole ne a kalla 50 dala dubu (a halin yanzu musayar kudi a rubles shi ne 3,687,315.63). Kuma da kudin wannan manufar wadannan kasashe, da bi, shi ne dan kadan ya fi tsada.

hatsari inshora

hatsari inshora is a type of voluntary insurance for tourists (as opposed to, for example, medical insurance, which is mandatory), this type of policy includes injury, disability as a result of an accident. Moreover, disability may not occur immediately, but within a year after returning from vacation. Death will also be considered an insured event. This type of insurance differs from medical insurance in that after repatriation, relatives will receive money according to the Table of payments, simply for the very fact of an insured event. The relatives will then be able to use these funds at their own discretion.

Rundunar alhaki inshora

Rundunar alhaki inshora means compensation for damage caused to third parties in the host country. The damage can be physical or property, the fact of causing harm and its size must be confirmed by documents of the competent authorities (medical institutions, medical and labor expert commissions, social security bodies, etc.). Based on the above documents, a payment agreement is drawn up, signed by the insurer, the insured and the victim. In this case, the insurer (i.e. the insurance company) has the right to involve independent experts to determine the actual damage, on the basis of which the insurance payment is made. In this case, an unconditional deductible is usually applied in the amount of 10% of the amount of the loss.

Travel sokewa inshora.

Irin wannan siyasa maida hankali ne akan halin kaka na tafiya idan tafiya aka katse ko lalace saboda da laifi na uku jam'iyyun. A dalilan iya zama asibiti na da inshora ko ya kusa dangi, kotuna, a sammaci daga soja rajista da kuma enlistment ofishin. The kudin na tafiya inshora da sokewa iya Range daga 6 zuwa 8% na kudin da baucan.

kaya inshora

Kaya inshora kare sirri dukiya na da inshora mutum a lokacin da jirgin, da cewa shi ne, lalacewar za a cika kawai idan kaya da aka rasa ta hanyar laifi da m. The kudin na siyasa ne m akayi daban-daban, amma sama da iyaka na da inshora adadin (Ina nufin da adadin abin da kaya aka inshora) iya iyakance da insurer. A cikin wani hali, irin wannan inshora ga wani yawon shakatawa tafiya kasashen waje ne mai kyau bayani idan da kudin kaya ya wuce 20 Tarayyar Turai da kilogram (a cikin mafi kamfanonin jiragen sama da wannan shi ne matsakaicin yiwu biyan bashin da wani iska m iya maida ka). Amma matafiyi iya inshora ya kaya ga wani adadin da cewa za a koma zuwa gare ku a karkashin sharuddan da kammala inshora kwangila. A wasu lokuta, iyaka yawanci sanya a diyya ga diyya ga wannan hadarin. The kudin na wannan inshora dabam a cikin kewayon 2-20 USD. ga dukan tafiya har zuwa kwanaki 30, dangane da Miliyan Xari inshora. Ya kamata a lura da cewa biyan bashin daga kamfanin inshora da ke a saman biya daga cikin m.

Akwai iri biyu inshora ɗaukar hoto don tafiya kasada:

1. compensatory.

A yawon shakatawa da kansa zai biya duk halin kaka, sa'an nan, da ya dawo zuwa kasar, da gabatar da da lissafin abubuwan da aka rubuta da insurer, wanda a nuna Rama don duk tabbatar da halin kaka. Wannan nau'i na inshora ya nuna cewa da da inshora mutum yana da sirri kudi ga duk unforeseen events. shakka, wannan ba ko da yaushe haka al'amarin.

2. Service.

A insurer kamfanin ƙarasa kwangila tare da kasashen waje kamfanonin inshora kwarewa a yawon shakatawa goyon baya da kuma Rama da halin kaka jawo wa kansu a cikin taron da inshora kai tsaye. Babu shakka, irin wannan inshora ne yafi dace wa dan yawon shakatawa wanda kawai yana bukatar kiran lambar waya a kayyade a cikin siyasa da kuma sama da zama dole taimako a cikin ware Naira Miliyan Xari inshora.

Babban aka gyara daga cikin kudin na wani inshora siyasa su ne:

• Duration na tafiya;
• A ƙasa na siyasa (cewa shi ne, kasar da manufofin zai zama m).
• A shekaru na da inshora mutum lõkacin da ta je kiwon lafiya inshora (ga yara da kuma tsofaffi, rates yawanci mafi girma).

The kudin na siyasa kuma ya rinjayi ta sa na kasada da kuma adadin na da inshora adadin. Kamfanonin inshora yawanci bayar da misali tafiya inshora shirye-shirye, amma wasu daga cikinsu samar da wani zaɓi daga ciki har da ƙarin kasada ko yanayi a cikin manufofin.

Bugu da kari, wani na kowa version of wani m tayin daga insurers ne, don tallafa wajibi ƙarin inshora, misali, ta hanyar supplementing wani likita hatsari inshora siyasa.

Yana da muhimmanci a kula da sharuddan da wuri daga cikin manufofin. Bisa ga Insurance Dokokin, idan a lokacin saye da yawon shakatawa ne riga kasashen waje (wato, a cikin inshora ƙasa), sa'an nan da manufofin da aka dauke da inganci. Wannan shi ne, kana bukatar ka saya shi kawai kafin tafiya, kuma ba a lokacin da shi. Bugu da kari, da manufofin da yana aiki ne kawai a cikin ƙasa na kasar cewa an nuna a shi. Idan daya ƙasar da aka alama a cikin daftarin aiki, shi zai zama aiki ne kawai a kan karkararta. idan akwai kasashe da dama - sa'an nan a kan ƙasa na kowane daga gare su; kuma idan daya kawai kasa na Turai labarinka zone aka nuna, da manufofin da za su kasance har yanzu inganci a kan ƙasa da dukan Turai labarinka yankin.

WorldNomads tafiya inshora

A kamfanin yayi rayuwa da kuma tafiya inshora ga mazauna kasashe irin su:

• Australia.
• Brazil.
• Canada.
• Japan.
• New Zealand.
• Portugal.
• United Kingdom.
• USA.

WorldNomads abũbuwan amfãni

1. Tafiya kariya.

Matafiyi zai iya kare su wuya-sanã'anta hutu daga m cancellations.

• Mai binciken shirin: $ 10,000.
• Standard shirin: $ 2,500.

2. gaggawa inshorar kiwon lafiya.

Matafiyi zai iya rabu da mu da zafi a kudi na likitanci ko hakori halin kaka.

• Mai binciken shirin: US $ 100,000.
• Standard shirin: $ 100,000.

3. gaggawa fitarwa.

Gaggawa Medical Transport: The kamfanin zai sauri taimako safarar matafiyi zuwa asibiti ko gida.

• Mai binciken shirin: $ 500,000.
• Standard shirin: $ 300,000.

4. Kare your kayan aiki.

Inuwõyi rasa, sata, ko lalace matafiyi ta bags, motocin da kuma kayan aiki.

• Mai binciken shirin: $ 3,000.
• Standard shirin: $ 1,000.

Tambayoyi Akai-Akai

Shin da gaske ne wanda yake da mahimmanci don fitar da inshorar tafiye-tafiye zuwa ƙasashen waje?

Ee, yana da matukar muhimmanci ga kowane yawon shakatawa. Tunda wannan shine kariya ta ku yayin tafiya kasashen waje. Ka tuna cewa wannan sabis ɗin zai tabbatar da cewa ka karɓi kula da lafiya kowane lokaci da kuma ko'ina yayin tafiya.

Wadanne irin nasihu key don guje wa batutuwan da ba a tsammani ba tare da inshorar tafiye-tafiye lokacin da ƙasashen waje?

Nasihu sun hada da karatu sosai kuma fahimtar manufar, sanin abin da ba a rufe ba, tabbatar da bayanan da suka dace da ayyukan, da kuma sanin tsari don hada wani da'awa.