Kufamba Inishuwarenzi Kunze kwenyika: Matambudziko ekudzivirira zvinoshamisa

Netsika, inishuwarenzi yekufamba inonzwisisika nevashanyi sebumbiro inopa kodzero yekugamuchira kurapwa kwakakodzera murevi. Iyo Inishuwarenzi Inishuwarenzi inoonekwa segwaro rebetsero, uye zvirimo zvinosara zvisina basa, uye zviripo zvizere

Vashanyi, chokwadika, kazhinji, chokwandinoita, vanoziva nezve kudikanwa kweinishuwarenzi, uye nezve izvo zvingaitwe kubhadhara mabasa echipatara kunze muhomwe.

Vaya vanoronga kufamba kwavo kuburikidza nekushandisa vashandisi havafungi nezve inishuwarenzi yekurapa nekuda kwekuti Song toured mapakeji inosanganisira inishuwarenzi yekurapa yekuenda kunze kwenyika.

Nekudaro, vashanyi vane mutoro, vanosarudza kufamba vega, pamwe nevaya vanowanzo famba neinishuwarenzi yehutano hwekufambisa uye kutenga inishuwarenzi pachavo, kazhinji kuburikidza neyepamhepo mabhuku ebhusaiti yemakambani einishuwarenzi. Sezvo maitiro anoratidza, avo vakambotarisana nematambudziko akafanana nerwendo, mune ramangwana, kuenda kunze kwenyika, nguva dzose kuwana inishuwarenzi.

Kuwana imwe chikamu chakakosha chekuronga kwekufamba, uye zvinofanirwa kuitwa usati watanga kubva muzana

Panguva imwecheteyo, kuwedzera kune yakajairika yekurapa inishuwarenzi, iwe unogona kuzvidzivirira iwe mune chiitiko chemamwe mamiriro ezvinhu asingafanooni. Kune izvi, semuenzaniso, inishuwarenzi kupesana nekurasikirwa kwemutoro, kuchengetedzwa kubva mukubviswa uye zvimwe zvakawanda mikana inopihwa. Ngatizvitarisei zvakadzama.

Ndedzipi mhando dzeinishuwarenzi yekufamba uye chii chaungachimbisire?

Ngatitangei nenyaya yekuti mutemo kune avo vanofambira kunze kwenyika, inopa dziviriro pamusoro pengozi, haisi iyo nzira yekuzvidzivirira paunenge uchifamba, kunze kweinishuwarenzi yekurapa, inogona kusanganisira dzimwe mhando dzenjodzi. Inogona:

Mari yekurapa

Mari yekurapa - 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. Zvakatemwa zvinodhaka - uye zvakakosha kwazvo kubvumirana pane izvi zvinodhura nekambani inishuwarenzi vasati vatenga zvinodhaka, kuti iwe uve nemazana muzana muzana kuti vakafukidzwa. Kuti uite izvi, iwe unofanirwa kufonera nhamba yekuonana yeiyo yekufona yepakati yeinishuwarenzi kambani - kazhinji nhamba dzinodiwa dzefoni dzakabatanidzwa kune iyo mutemo.
2. Kurapwa zvisina kurapwa.
3. Kufambisa kweanenge akuvadzwa kuchipatara kana kunzvimbo yekugara (iyo yekupedzisira - yakapihwa kuti hapana mukana wekurapa urongwa hwekurapa munyika yekutambira inogona kupfuura iyo inishuwarenzi yakadhindwa mu chibvumirano). Izvo zvinofanirwa kucherechedzwa kuti hatisi kutaura nezvekufambisa mari, asi nezvekufambisa pachayo, ndiko kuti, kambani inishuwarenzi, kana kuti mumwe wayo munyika imwe neimwe, anoronga kusvika kweambiro kana imwe mota.
4. Kubhadharwa kwemari yekufambisa mune chiitiko icho munhu aisakwanisa kubhururuka kumba nenguva nekuda kwekuda kwekurapwa kwekusarongeka.

Chiitiko chisishandiswe cherudzi urwu rweinishuwarenzi, maererano nemitemo yeinishuwarenzi, chirwere chakangoerekana chaingangoerekana chave chirwere chebumbiro. Mune ino kesi, chiitiko chisingazivikanwe seishandiswe kana chakabatanidzwa nezvirwere zvisingaperi zvinozivikanwa panguva yekupera kwechibvumirano uye / kana nezvirwere zvekuti munhu anishuwarenzi anga amborapwa ivo). Uyu mutemo unotekisiridzo kune chero chirwere, kusanganisira nezvirwere zvematombo.

Imwe pfungwa inogona kuteedzerwa mune izvi, sezvo kukosha kweinishuwarenzi kuchengetedzwa kubva kune njodzi, kuitika kwakaoma kufanotaura zvisati zvaitika. Kana munhu ane moyo unorwara achizorora neimwe nyika - mutoro wehutano hwavo anofanira kurara naye, uye kwete nekambani yeinishuwarenzi. Kana munhu ane hutano aine matambudziko emwoyo, chishuvo chinozovhara mutengo weiyo inodiwa diagnostics, mishonga yakatemwa nachiremba, muchipatara muchipatara.

Uyezve, kana ari Insured rinomupotsa ake ndege nokuda muchipatara, kambani yacho inishuwarenzi acharonga uye mari kudzoka kwake panzvimbo wechigarire yokugara (mari zvose vari kwakafukidza mukati insured mari raanotaura chibvumirano inishuwarenzi).

Mureza Huwandu inishuwarenzi yezvokurapa nyika dzakawanda (kusanganisira nokuti Schengen nyika) ndiyo zviuru 30 euros (panguva kuitika Gengi mu rubles ndiyo 2501653,66, mutengo inishuwarenzi kufamba kwakadaro ingabva 0.5 2 euros pazuva Kugara) ; anosiyiwa - America, Canada, Japan, umo uwandu inishuwarenzi nhau inofanira kuva kanenge zviuru 50 zvamadhora (panguva kuitika Gengi mu rubles zviri 3,687,315.63). Uye mari mutemo kunyika idzi, ukuwo, ndizvo zvishoma anodhura.

inishuwarenzi Accident

inishuwarenzi Accident 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.

Civil kuita inishuwarenzi

Civil kuita inishuwarenzi 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 kukanzura inishuwarenzi.

Kwakadaro mutemo chinofukidza zvichidhura rwacho kana rwendo yakakanganiswa kana kwakakanganiswa nokuda mhaka yavose rechitatu. Zvikonzero zvingava muchipatara kubva insured kana ake yepedyo, dare zvekufamba, mumwe samanisi kubva uto kunyoresa uye yainyoreswa hofisi. Mari inishuwarenzi kufamba pamusoro kukanzura ingabva 6 kusvika 8% of Mari vhocha.

mukwende inishuwarenzi

inishuwarenzi mukwende kunochengetedza munhu pfuma yacho insured munhu munguva kutiza, kureva, kukuvara chichange ndanyarara hangu chete kana mukwende akarasika kuburikidza mhosva uyo akaendesa. Mari mutemo akatsunga nomumwe, asi yokumusoro panogumira insured mari (i.e. mari iro penhumbi iri insured) anogona shoma nokuda insurer. Chero zvazvingava, kwakadai inishuwarenzi kuti tourist aifamba kunze kwenyika kunaka kana mutengo mukwende kwazvo euros 20 paminiti kilogram (mu vendege dzakawanda iri vaifanira zvinoita mubhadharo kuti mutakuri mhepo kunogona dzosera iwe). Asi mufambi anogona inishuwarenzi mikwende vake chero mari kuchazoratidzwa vakadzokera kwamuri pasi mashoko chibvumirano ari akapedzisa inishuwarenzi. Mune zvimwe zviitiko, mitemo kazhinji yakaiswa nekuripira kukuvadza kuti ngozi iyi. Mari inishuwarenzi yakadaro kunosiyana-siyana mune zvakawanda 2-20 USD. nokuti yose rwendo kusvika mazuva 30, zvichienderana Verengai insured. Zvinofanira kucherechedzwa kuti kubhadharwa kambani inishuwarenzi anoenderera pamusoro kubhadhara kubva mutakuri.

Kune mhando mbiri inishuwarenzi nhau kuti njodzi kufamba:

1. Compensatory.

The nzvimbo vakazvimiririra inobhadhara vose mari, uye ipapo, pamusoro achidzokera nyika, zvipo zviri rokuzvidavirira mapepa kuti insurer, izvo zvinozoita compensates vose akasimbisa mari. chimiro ichi inishuwarenzi zvinoreva kuti insured munhu ane mari zvisingafanoonekwi zviitiko zvose oga; Zvechokwadi, izvi handizvo zvinoitika nguva dzose.

2. sevhisi.

Iyo Inishuwarenzi kambani inopedzisa zvibvumirano nemakambani ekunze einishuwarenzi nyanzvi kuriridzira kutsigirwa nevashanyi uye kunopa mutengo wakakwenenzverwa mune inishuwarenzi chiitiko zvakananga. Zviripachena, rudzi urwu rweinishuwarenzi zvakanyanya nyore kune vashanyi vanongoda kufonera nhamba yefoni yakataurwa mugwaro racho uye kugashira rubatsiro rwunodiwa mukati meiyo inishuwarenzi.

Izvo zvikamu zvikuru zvemutengo weinishuwarenzi mutemo ndeiyi:

• Nguva yerwendo;
• Ndima yebumbiro (ndiko kuti, nyika iyo iyo mutemo ichave inoshanda);
• Zera remunhu anishuwarenzi kana zvasvika kune inishuwarenzi yehutano (yevana nevakuru, mitengo inowanzo kukwirira).

Mari yemutemo iri inokurudzirwawo neiyo seti yenjodzi uye huwandu hweinishuwarenzi. Makambani einishuwarenzi kazhinji anopa standard yekufamba neinishuwarenzi zvirongwa, asi vamwe vacho vanopa sarudzo yekusanganisira zvimwe njodzi kana mamiriro mune mutemo.

Uye zvakare, yakajairika vhezheni yekupa yakakwana kubva kune inishuwarenzi ndeyekutsigira inishuwarenzi yekuwedzera inishuwarenzi, semuenzaniso, nekuwedzera inishuwarenzi yerudzi rwekurapa.

Izvo zvakakoshawo kuterera kune mazwi uye nzvimbo yeiyo mutemo. Sekureva kwemitemo yeinishuwarenzi, kana panguva yekutenga mushanyi yatove kunze kwenyika (zvinoreva kuti inishuwarenzi dunhu), saka mutemo unoonekwa seisingabvumirwe. Ndokunge, iwe unofanirwa kuzvitenga chete rwendo rurefu, uye kwete mukati maro. Uye zvakare, mutemo unoshanda chete mundima yenyika inoratidzwa mariri. Kana imwe nyika yakanyorwa mugwaro, ichave inoshanda chete munharaunda yayo; Kana paine nyika dzinoverengeka - ipapo munharaunda yeumwe neumwe wavo; Uye kana nyika imwe chete yeSchengen zone inoratidzwa, mutemo uchiri kushanda padanho rezvese nzvimbo yeSchengen.

Worldnomads Kufamba Inishuwarenzi

Iyo kambani inopa hupenyu uye yekufamba inishuwarenzi yevagari venzvimbo dzakadai se:

• Ositireriya;
• Bhuraziri;
• Kanadha;
• Japani;
• Nyuzirendi;
• Putugaro;
• United Kingdom;
• USA.

Worldnomads advantages

1. Rwendo Rwiyo.

Mufambi anogona kuchengetedza zororo ravo rakaipa-rakaomarara kubva kumisengo isingatarisirwi.

• Chirongwa cheComputorator: $ 10,000.
• Standard chirongwa: $ 2,500.

2. Emergency Medical Inishuwarenzi.

Mufambi anogona kubvisa marwadzo acho pakurapwa kwemitengo yekurapa kana yemazino.

• Chirongwa cheComputorator: US $ 100,000.
• Standard Urongwa: madhora zviuru zana.

3. Emergency yekubuda.

Kurumidzira Medical Medical Kufambisa: Iyo kambani ichakurumidza kubatsira kutakura mufambi kuenda kuchipatara kana imba.

• Dzendege Chirongwa: $ 500,000.
• Standard urongwa: $ 300,000.

4. Kudzivirira kwako michina.

Cover akarasika, zvakabiwa, kana kukuvaradzwa mufambi wacho mabhegi, motokari uye midziyo.

• Dzendege Chirongwa: $ 3,000.
• Standard urongwa: $ 1,000.

Mibvunzo Inowanzo Bvunzwa

Zvakakosha here kuti nditore mari yekufamba kunze kwenyika?

Ehe, zvakakosha zvakanyanya kune vese vashanyi. Sezvo ichi chiri kuchengetedzwa kwako paunenge uchienda kunze kwenyika. Rangarira kuti iyi sevhisi ichave nechokwadi kuti iwe unogashira kurapwa chero nguva uye chero panguva yerwendo rwako.

Ndeapi mamwe matipi akakosha ekudzivirira nyaya dzisingatarisirwi neinishuwarenzi yekufamba kana kunze kwenyika?

Mazano anosanganisira kuverenga zvakanyatso kuverenga uye kunzwisisa mutemo, kuziva izvo uye kusingafukidzirwe, kuiswa kufukidzwa kwezvese zvekuenda uye zviitiko, kuchengeta zvinyorwa zvinodikanwa zvekuita, uye kuziva maitiro ekuisa faira chikumbiro.