Travel Insurance Lākiō To Travel kāki Of Life: Are You Overpaying?

Travel lapaʻau Ua koi 'ia e hele wale aku no. Ole ia, ka mea e i hoʻoponopono ai i Kauai, a mai e ka papala noi huakaʻi. Kaniak maʻi a poino ma kahi e me ke ahiahi ka palena haʻahaʻa lapaʻau mea he dubious makemake ole wale, akā, i ka nui loa no kou Bedroom.

Ka lapaʻau poʻe mea i kuleana no ka māmā a me ka pono o ka mālama ', akā, no ka Service Center ole kōkua - he intermediary ma waena o ka insurer, a me ka' inikua hui. He mea i kuleana no ka kauka i kapa aku ai, a? Aaieou i hoʻokomo '.

E huli mai ka mea e malama aku ai oe, e pono ke akahele heluhelu i ka lapaʻau hua'ōlelo a me ka rula. Inā he kanaka hele haule maʻi ana ma ka hoomaha, e kahea kōkua, aʻo ia nō ua hui 'a negotiate me na kumu.

Aia nāʻano likeʻole o ka inikua, mai ka pilikino pilikino e hele pū ana e lele i nā huakaʻi hele aʻaʻole nā'āina a pau no kahi manawa a me nā wahi huakaʻi. E noho pono i loko o kēiaʻano kiko'ī a koʻikoʻi loa!

Pehea ka hele ana lapaʻau hana

I mau, e hiki insure i kekahi mea, wale i ka papaʻano o ka hele lapaʻau noʻonoʻo.

XIX. Hui 'inikua lapaʻau

Ka loa waihona kālā lapaʻau koi 'ia e loaa visas, i na koina mau haneri rubles. He inexpensive, akā, e mea hiki ke hoomalu aku i ka wa hele, a i ka palena iki 'ia paha o nā lawelawe.

Kaumaha ma muli o kahi o ka hele ua holo, e hiki ke kākau i nā koho a hiki i keia lapaʻau: mai kōkua me ka jellyfish nahu e hospitalization no complications o ka hāpai keiki. Inā i ka hele i allergies a maʻi maʻi, oia ua i ka manao e kākau hou koho i loko o kona maalea. E hele ana i ka aina kahi lapaau o loa pipiʻi, e hiki ke lawe lapaʻau no i ka 50 tausani Euro, aʻaʻole i i ka 30, e like me ia ma ka maʻamau kulekele.

Travel lapaʻau no ka haʻuki

, Ua kīkoʻo akula lapaʻau koho no kânaka oʻeleu a me ka lōʻihi? Aaoee. Ia, o ka papa, Ua oi pipiʻi ma mua o ka hoʻokumu paʻa kekahi, a hilinaʻi nui ma luna o ke 'ano o ka ha awina i ka hele e hele e komo i loko, ka mea pono e hōʻike i kakau.

It E e kaulana i luna o ka lio ana, Paikikala, ATV a me mokokailala ana ua i noʻonoʻo pono i kaʻeleu ioauoa.

Ukana lilo lapaʻau

E like me nā kumu, ma kahi o 2% o ka ukana ua nalowale kela makahiki iloko o hoʻii. Nolaila, lapaʻau poe kaumaha, e insure lākou suitcase a me kona Contents - no laila, ma ka hihia o ka poino, i ka hele e ma ka liʻiliʻi loa hookipa uku.

Akā, no hoi, like me kekahi lapaʻau, ka mea, he pono ke heluhelu i ka aelike iʻaneʻi: lapaʻau 'aʻole e uhi i ke kālā, Jewelry a me ka pohaku maikai, palapala,' inikua manaʻo a me na mea he nui 'ē aʻe pipiʻi' ikamu. Ka mea, i ana hoʻopaʻa waiwai kaawale.

Hangover lapaʻau

Ae, ua lapaʻau i nei, nae, wale kekahi lapaʻau poe, i ka Kelemānia ERV, he ua me ka AEeAaOA o ka lawelawe ai kahi loihi. He hoʻohiki mālama 'no ka maʻi a me nā palapū mai ana waiʻona, lāʻau a meaʻawahia intoxication. He kokoke He kū hoʻokahi hana, no ka hapanui poe noonoo waiʻona intoxication ole i hoʻopaʻa waiwai hanana.

Kolu o ka 'aoʻao hoouka lapaʻau

Ka mea, e hele mai i loko o mākaukau ina he kanaka hele holo ÿana i ka aina me ke kiʻekiʻe hewa ana, a hoʻi, inā, ua makau ia ia i ke hao - loaʻa nō kekahi ou wahi lihi iki o nä pöä, ka poe waiwai, mai makaʻuʻole iauaeoia oo? Ecia a hiki i ka noho pomaikai'āina.

Travel ke kāpaeʻana lapaʻau

Oia lapaʻau compensates no na koina o ka huakaʻi, ina i ka hele i e alalai mai i ka hoomaha ole ana ia mea - ka mea, i ole e haawi mai i ka papala noi huakaʻi, poina e uku aku i na auhau, a me ka hoʻololi kuka.

hoi oiaio no ka ka poe i hoʻolala ka hoomaha ka hapa o ka makahiki mua o ka i manao huakaʻi a oi. 'O kēia kekahi o ka loa pipiʻi Insurance, i ka waiwai e lilo aku hoʻomaka mai ka 8% o ke kumukuai kaapuni kana.

Travel lapaʻau pilikino E pili

No ka huakaʻi ma Rusia, he mau muli o nā hui 'inikua pilikino E pili He nui iho la ia. Akā, inā Emo ole ka hele aloha lōʻihi? Ecia, a hele pinepine ana, a laila, ua pono, e lawe mai i ka hele lapaʻau pilikino E pili.

Ma waho aʻeo i ka walaʻauʻana mālama ', e ka loaʻa o nā lawelawe i pili: mai, ua kīkoʻo akula lapaʻau' ana i ka halihali ana i ka luahi, ina ia i hiki ole ke oni kū kaʻawale, a e nō ia i loko o ka haukapila i ka manawa o ka hele me kona mau balota.

Insurers ka oi aku paipai aku noʻonoʻo e pili ana ia i pili i ka ipo o Hiking, pōhaku piʻi akula nō hoʻi a me ka iaoeo e.

He aha e nana i ka wā koho lapaʻau

Oe Pono e koho i ka lapaʻau poe ia iho, akā, i ke kōkua - ia mea me ia i ka, e hana i ka hele ina i hoʻopaʻa waiwai hanana ia lŘlŘ. Manaʻo Kōkua i ka hana o ke kōkua hiki ke loaʻa ma ka mahaloia hana kūikawā hoʻopunipuni. He nui ke hoomanao i kekahi lapaʻau poʻe kōkua 'ana me kekahi mau kōkua lawelawe ma kahi hoʻokahi.

Insurance E e koho me ka deductible. A franchise mea he nui i ka poe i ole uku. No ka laʻana, ina ka lapaʻau i ka deductible o 40 Euro, a me ke kauka o ka bila He 60 Euro, alaila, o ka poe e uku wale 20 Euro, a me ke koena o ke dala, e i ia e uku ia mai o ka eke. Ma nā makahiki, Insurance me deductibles i ole, he pono ole, ka mea, e hookuu i ka makepono.

Ma mua o ke kūʻai, e hiki ke hoohalike kaumaha ai oukou ia mai kekahi lapaʻau poʻe. Ua hiki ke hana pū ma kūikawā e like ioauoa. E hana i kēia, e pono e koho i ka aina, lā o ka hele ana, i ka helu a me ka makahiki o vacationers, ka paena e kū kaʻawale koho a me ka hōʻike 'ana i hiki a pau kaumaha ai oukou ia.

Insurance E e ia mai ka lā ma luna o ka lā, akā, he uuku wale me ka palena pau, o ka oi aku ina i ka hele e kali ana i ka lōʻihi, a paakiki holo ana me ka pili 'o Randy.

Ua mea i nui, e kipa i ka dentist i loko o ka 'eleu kūpono - ma muli o ka manaʻo koikoi a me ka wela loli, untreated niho ke hana ino, a me kahua niho lawelawe, koe wale no ka pilikia poe, e i uhi ia e kekahi lapaʻau poe.

He aha hana i nā hua'ōlelo ke ano o

Policyholder (ka mea i hoʻopōmaikaʻiʻia, hoʻopaʻa waiwai)

Ke policyholder (ka mea i hoʻopōmaikaʻiʻia, hoʻopaʻa waiwai) mea a pau o oukou, i ekolu kekahi mau kanaka: keia ka mea au i ke kapa ma ka lapaʻau like.

Insurer (lapaʻau hoa a pau)

Insurer (lapaʻau hoa a pau) - an organization with which you conclude a contract, it pays for treatment and other expenses for an insured event.

Insurance hihia

Hoʻopaʻa waiwai hanana - he hanana i ua stipulated ma ka aelike, a no ka a ka insurer e uku uku. Mea i ua ole uhiia ma kou lapaʻau ua noʻonoʻo i ka pili-hoʻopaʻa waiwai kekahi hanana a me ka e ole e reimbursed.

Puu dala hoʻopaʻa waiwai (ʻaoʻao pale dala, aie kali)

Puu dala hoʻopaʻa waiwai (ʻaoʻao pale dala, aie kali) - the maximum that the insured will pay for you. This amount includes hospital expenses, medical transportation and everything else. If you have chosen to cover 30 thousand dollars, and a helicopter from the Kamchatka volcano cost 10 thousand, 20 thousand will remain for treatment.

Kōkua (hana hoa a pau)

Kōkua (hana hoa a pau) is your travel assistant. If you are sick, call the assistance, and they will call the rest. Their job is to call an ambulance, find a hospital, arrange transportation, and solve problems along the way.

Franchise

Deductible o ka huina i i ole e uku i ka insurer e like me ka lapaʻau like. Loa pinepine, i ka franchise mea unconditional, i mea, e uku 'ia i loko o kekahi hihia. No kekahi laʻana, manao oe i loaʻa lapaʻau i ka $ 30 deductible. Ma hoomaha, kou puʻu e hewa ai, a meʻoe i hele ai i ke kauka i Bila $ 45. Of mau, oe e uku $ 30 oe ia oe iho, a me $ 15 - ka lapaʻau huakai. Deductible kūkulu 'ia e ho'ēmi, akā, inā i hoʻopaʻa waiwai hanana i, na makauliʻi a pau, aolie ia e nalowale. No laila, inā pilikia ka haumāna kaʻahele makemake lapaʻau me ka deductible.

Pehea lapaʻau ua uku

Aia i mau lapaʻau uku koho: kekahi ka lapaʻau uku i ka haukapila 'ana, a me kou uku ma luna o ka wahi, a laila, i ka lapaʻau, e compensate oe.

Service lapaʻau is the most popular. This is when the insurance company sends money for treatment directly to the hospital. You don't pay the bills yourself, except in very rare cases: for example, a hospital in the jungle of Borneo only takes cash. In such a situation, the assistance will ask you to pay on the spot, and when you return home, the insurance company will reimburse everything.

Ka uku lapaʻau is when you pay for the treatment yourself, then collect the documents, bring them to insurance and get your money back. It should be said that such insurance is almost never found now.

I ka wā e hele ola lapaʻau hana?

• Walania iho la lakou ma ka jellyfish;
• Walania iho la lakou ma ka jellyfish ia ke aʻo 'ana i ka heenalu;
• Insurance no ka haʻuki a me foxmike hana;
• Moe iho la, nalowale ike paka, a ala ae o - puna hoolei aku;
• He hele ona, haule iho la, nalowale ike paka, a ala ae o - puna hoolei aku;
• Help i loko o ke alo o kanakaʻona mau intoxication;
• Ninau ma kūloko ka ai, a loaʻaʻapu kōheoheo;
• Ninau ma kūloko ka ai, a me ka gastritis worsened;
• Help me ka exacerbation o ka maʻi ka maʻi.

Pehea e upgrade kumu o lapaʻau

No ka oiaio hoʻopale ai i kāu lapaʻau, hui hou koho i kou kumu pili. Eia kekahi mau manaʻo:

1. Inā e hele ana i ke kai - hoʻokomo kōkua no ka sunburn;
   
2. Inā 'oe e hele i ka trekking, eu? A heʻe nalu - hoʻokomo lapaʻau no foxmike hanana a me nā haʻuki. E hōʻoia i nā mea a pau i ka hana 'oe e hele i ka hana;
   
3. Inā 'oe makemake e lanakila i ka ehiku-thousander piko - hookui ole wale haʻuki lapaʻau, akā, i ka huli' ana a me ka hoʻopakele ana a me ka helekopa ke piʻoloke;
4. Inā 'oe e ae mai ka'ōpū ulcers a me nā maʻi maʻi - hoʻokomo kōkua me ka exacerbation o ka maʻi maʻi;
5. Inā 'oe e holo i ka Mop a mokokailala - hoʻokomo i kēia koho, ka mea, ua kapaia ia. I mea no ka lapaʻau poe e reimburse mea a pau me ka nīnau, e pono e holo ma ka mahiole a me ka hoʻonohonoho 'waeʻano A pono;
6. Inā 'oe e kali ana i ka pēpē, hui kōkua ma ka hihia o complications o ka hāpai keiki. Just malama ma ka naau: mau kanaka insure hāpai keiki i ke 31 pule, oi pinepine i ka 24 a 12 hebedoma;
   
7. Inā 'oe makemake e noho me ke aniani o ka waina - hui kōkua ma ka hihia o kanakaʻona mau intoxication. Oiaio, wale kekahi lapaʻau Eiiiaiey eiaao a ia he koho - ERV, ka polokalamu ua kapaia Optima. Ke koena o na insurers e ole reimburse oe ina oe he tipsy. A, kekahi e hoole i ka uku wale nō inā intoxication kena ae la i ka ulia, oiai kekahi poe e e uku i loko o kekahi hihia. , Hoʻomaoe hou akula: hoao no ka waiʻona maʻiʻo ua kākaʻikahi hana, no laila ia mea nui pehea e pono oe e ia i loko o ka manao o ke kauka;
8. Inā 'oe makemake e ai i kou i pili, hui ukana lapaʻau. Inā kou suitcase ua nalowale, oe, e loaa $ 500-2000 no ka mea, (e koho i ke dala ia oe iho, i ka wa e huki i ke kulekele). Me keia lapaʻau, ka hawaii e uku - pinepine $ 20 no kilogram;
9. Inā 'oe i hoohihiaia e pili ana i kou palapala holo'āina'ē - hoʻokomo palapala lapaʻau. I a hihia, oe e e reimbursed no ka lilo o ka hoihoi hou ia ana;
   
10. Inā 'oe e huli hoohihiaia e pili ana i noho apo la ma ka international airport, hoʻokomo holo ke kali ole lapaʻau. Ke pelane e i lawe aku wikiwiki, akā, oe e e uku no kela mea keia hora o ka (koe wale no ka mea mua 4) e kali ana;
    
11. Inā 'aʻole' oe makemake i ka uku no ka poho accidentally, kena ae la i kekahi kanaka, hui aie lapaʻau. Inā 'oe accidentally kuia ke i loko o kekahi skier ana naauao, no ka lapaʻau huakai, e uku no ka lapaau ana i paopao koke mai oia, a kuai hou xi e puku i ka wawahiia poʻe;
12. Inā 'oe e hoʻolala i ka hoomaha ana ma mua, hui ke kāpaeʻana lapaʻau. Ma keia hihia, ina e hoole oe i ka papala noi huakaʻi paha oe hāʻule maʻi mau lā ma mua hele, o ka insurer e hoʻi i ke kālā no ka balota, ainoeieou a me nā uku lawelawe i;
    
13. Inā 'oe makemake i ka punana hua manu i kou ola e hoihoi, hui ulia lapaʻau. E ka olelo aku oe i wawahi i kou wāwae i ka hoomaha. Oe e e hana ma luna o ka wahi me ka mau Hotele lapaʻau. A ina oe i kekahi, ua kīkoʻo akula kulekele, laila, ma ka hale ka mea, e hoi uku aku ka uku, a hiki ke hoolilo ia, a hiki ma ka hoʻopulapula, a hiki ma ka hou Phone.

Travel Insurance

Travel Insuranse mea he mea laʻa hui e hana ia mea paakiki ole e hoohalike, a kuai i Hotele lapaʻau kuka mai a pau nui insurers i emi iho malalo o elima minuke.

I mea e hoʻohana i ka hana, oe wale pono, e kipa i ka paena, kahi au e pono e komo i kou huakaʻi 'ike i ka mea e loaʻa mai i ke kala o kekahi poe, a hoohalike ia.

He aha hiki ke hōʻike, e loaa mai-i-ka lā hōʻike:

Main manao:ʻaneʻi oe Pono e hōʻike i ke aupuni i loko o ka mea au e pana aku au i ka hapanui manawa i kou alahele. Pono e koho mai i ka papa inoa;

Nā huakaʻi hele: the date of departure and the date of return are indicated here;

Ka helu o nā huakaʻi: you can specify from 1 to 10.

Noho mau: you can choose the USA, Canada, and there is also the option “I / we live outside the USA or Canada”. You also need to select a state from the list;

ʻO ka lā uku mua Inā hoʻohanaʻia nā haʻawina uku i ka hoʻohanaʻana aʻaʻohe uku maoliʻia, a laila ua manaʻoʻiaʻaʻoleʻoe i kūʻai i ka holoʻana i ka holo.

Ua Nīnau Pinepineʻia Nā Nīnau

E hoʻomaʻemaʻe iaʻu i nā mea hoʻolimalima e pale mai iaʻu mai kahi ulia i ka wā e hele ai?

ʻOiaʻiʻo,ʻaʻole e pale iāʻoe mai nā meaʻino, nā pōʻino kūlohelohe, nā maʻi a me nā mea maikaʻiʻole. Aka, e kōkua nō ia e uhi i kou mau mau pilikia ma hope o kēlā mau pilikia.

Pehea e hiki ai ke hele i nā huakaʻi hele inā he mea nui lākou no ka hoʻomaʻamaʻa huakaʻi hele i ke kumukūʻai o kā lākou huakaʻi?

Hiki i nā mea hele ke hoʻohālikelike i ke kumukūʻai o ka inikua e kū'ē i ke kumukūʻai o kā lākou huakaʻi a loiloi i ka uhi i hāʻawiʻia. ʻO ka maʻamau,ʻo ka hōʻoia e lilo i mea liʻiliʻi o ka hapa liʻiliʻi o ke kumukūʻai o ka huakaʻi. E hoʻohālikelike pū lākou i nā kulekele likeʻole e hōʻoia i ka loaʻaʻana o ka hoʻokūkū hoʻokūkū no ka uhiʻana o lākou.