Travel Insurance Ratio To Travel Cost Of Life: Ndiwe Overpaying?

Travel inishuwarenzi kunodiwa kuenda kunze kwenyika. Pasina izvozvo, havaiti kuronga Tours uye regai kuita vhiza. Kurwara kana kukuvadzwa kwose pasina kunyange usingashandi inishuwarenzi haisi chete dubious mafaro, asi chinokosha kurwadzisa bhajeti yenyu.

Kambani yeinishuwarenzi haisi mhosva nokukurumidza uye unhu mishonga, asi Service Center kana Assistance - murevereri pakati insurer uye zvokurapa sangano. Iyewo anokonzera chiremba runhare uye kiriniki placement.

Kuti uzive ndiani ngavakushumire, iwe unofanira nyatsoverenga inishuwarenzi mashoko uye mamiriro. Kana mufambi anowira kurwara apo pazororo, anofanira unodana Assistance, uye achaita nechekare kuonana uye taurirana navanachiremba.

Kune marudzi akasiyana-siyana einishuwarenzi, kubva kune wega anovharawo anofamba zvakanyanya kana asiri nyika dzese, kana iyo chaiyo yenguva yakapihwa yenguva uye nzvimbo yekufamba. Ngativei takadzika kwazvo mune ino chaiyo uye yakakosha nyika!

Sei inishuwarenzi pakufamba anoshanda

Kazhinji, unogona inishuwarenzi chinhu, funga chete magetsi mhando inishuwarenzi pakufamba.

inishuwarenzi Basic zvokurapa

Chinonyanya budgetary inishuwarenzi kunodiwa kuwana mavhiza, izvo tinorasikirwa anoverengeka zana rubles. Hazvina isingadhuri, asi anokwanisa kudzivirira pavaifamba uye kupa kushoma yakatarwa mabasa.

Zvichienderana apo mufambi ari parwendo, unogona kuwedzera kusarudza inishuwarenzi ichi kubva rubatsiro ane muramba ikaruma kuti muchipatara kuti matambudziko akazvitakura. Kana mufambi ane Kurwara kana chirwere zvirwere, iye zano kunyora mamwe kusarudza kupinda zvaaiitira. Kuenda kunyika mushonga inodhura kwazvo, unogona kutora inishuwarenzi kusvika zviuru 50 euros, uye kwete kusvika 30, sapamazuva mureza nehurumende.

Travel inishuwarenzi nokuti mitambo

Nevazukuru inishuwarenzi chingaitwa mafeni ose vanoshingaira uye hwakanyanya nhandaro. It Chokwadi, zvakawanda zvinodhura pane chikuru mumwe uye kunoenderana mhando yebasa kuti mufambi ari kuenda kuita, vanofanira sezvinoratidzwa panguva kunyoresa.

Zvinofanira kucherechedzwa kuti bhiza Kuda, kuchovha, ATV uye mudhudhudhu Kuda riri vaiona chinoshingaira nhandaro.

Mukwende kurasikirwa inishuwarenzi

Maererano mabhuku akasiyana-siyana, vanenge 2% kubva mukwende inorasika ose gore panguva ndege. Naizvozvo, makambani inishuwarenzi kupa kuti inishuwarenzi sutukezi yavo pamwe mariri - zvakadaro kurasikirwa, mufambi vachange dzinenge kuripwa.

Asiwo, sezvinoitwa inishuwarenzi upi, zvakakosha kuverenga chibvumirano pano: inishuwarenzi hakuiti kufukidza mari, zvishongo uye mabwe anokosha, magwaro, zvokurapa mano uye vazhinji zvimwe zvinhu zvinodhura. Vari kazhinji insured yoga.

Hangover inishuwarenzi

Zvisinei, Hongu, inishuwarenzi yakadaro Panewo, kambani imwe chete inishuwarenzi, ari BSN German, ane pasuru kudaro mabasa saka kure. Anovimbisa kurapwa zvirwere kana kukuvara zvinobva doro, kushandisa zvinodhaka kana muchetura kudhaka. Izvi zvinenge rakasiyana basa nekuti makambani akawanda funga doro kudhaka kwete insured chiitiko.

Third bato Kurwisa inishuwarenzi

Richauya batsira kana mufambi aienda nyika ine nokuparwa kwemhosva, uye anongoti kana kutya kuti arwirwe kubirwa - kune yakawanda mbavha mari hanya vashanyi kunyange akabudirira munyika.

Travel kukanzura inishuwarenzi

compensates kwakadaro inishuwarenzi kuti mari rwendo, kana mufambi akanga zvakamboda kukanganisa kuzororo kana kukanzura zvachose - havana kupa visa, vakakanganwa kuti mutero, kana zvakachinja urongwa.

zvechokwadi kunyanya avo vari kuronga kuzororo hafu gore asati akaronga rwendo kana kupfuura. Ichi chimwe chezvinhu insurances zvinodhura, mutengo inotanga kubva 8% of revashanyi mutengo.

Travel inishuwarenzi urongwa

For nzendo mhiri Russia, munhu rokumanikidzirwa inishuwarenzi wezvokurapa negwaro dzose Zvaringana. Asi kana pakarepo mufambi anoda hwakanyanya ushanyi uye anofamba kazhinji, ipapo inokurudzirwa kuti atore mumwe inishuwarenzi pakufamba.

Kuwedzera zvipatara, chinosanganisira mamwe mabasa: kubva kwenguva Diagnostics zvokufambisa rechipfuwo, kana iye haagoni kufamba vakazvimiririra, kana achiri muchipatara nenguva yekubva pamwe matikiti ake.

Insurers kunyanya kuvakurudzira kufunga pamusoro akadaro mitemo ine kune vanoda musango, dombo kukwira uye Skiing.

Chii kutsvaka kana uchisarudza inishuwarenzi

Unofanira kusarudza kambani yacho inishuwarenzi pachayo, asi rubatsiro - zviri navo kuti mufambi dzicharakasha kana chiitiko insured kunoitika. Feedback basa rubatsiro inogona kuwanika yakakurumbira unyanzvi nzvimbo. Zvakakosha kuyeuka kuti vamwe makambani inishuwarenzi pamwe vanoverengeka rubatsiro kuzvipatara pakarepo.

Inishuwarenzi rinofanira kusarudzwa pasina deductible. A kodzero ane chitsama kuti kambani arege kuripa. Somuenzaniso, kana ari inishuwarenzi ane deductible 40 euros, uye chiremba wacho bhiri iri 60 euros, ipapo boka Acharipa euros 20 chete, uye navamwe mari zvichabviswa kuripirwa kubva muhomwe. kazhinji Mumakore achangopfuura, insurances vane deductibles hazvisi zvakajairika, ndivo yakachipa pashiri.

Usati kutenga, unogona enzanisa inopa kubva makambani inishuwarenzi zvakasiyana. Izvi zvinogona kuitwa chaiyo kuenzanisa nzvimbo. Kuti aite izvi, unofanira kusarudza imwe nyika, zuva kufamba, nhamba uye zera pazororo, nzvimbo zvichaita vakazvimiririra sarudza uye kuratidza zvose zvinobvira zvinowanika.

Inishuwarenzi anofanira kutorwa kwete musi musi, asi zvishoma ane kumahombekombe, kunyanya kana mufambi ari kumirira kwenguva refu uye zvakaoma ndege ine kubatana.

Zvinokoshawo kushanyira wemazino ari nenguva nenzira - nokuda kufurirwa netembiricha kuchinja, untreated mazino anogona kukuvadza, uye mazino mabasa, kunze zvashata ndivo, havasi kuchizvivanza kambani inishuwarenzi upi.

Chii ita mashoko anorevei

Policyholder (munhu anoyamurika, insured)

The policyholder (munhu anoyamurika, insured) ndiyo mose, kwete vatatu vakasiyana vanhu: ndizvo unogona kunzi mune chibvumirano inishuwarenzi.

Insurer (inishuwarenzi kambani)

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

Insurance nyaya

Insured chiitiko - chiitiko kuti zvaitaurwa chibvumirano uye uyo insurer achaita varipe. Chinhu usina kufukidzwa inishuwarenzi wenyu sechinhu chiitiko asiri insured uye haangawedzerwi reimbursed.

Sum insured (mishumo yakawanda, kuita muganhu)

Sum insured (mishumo yakawanda, kuita muganhu) - 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.

Assistance (basa kambani)

Assistance (basa kambani) 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 ndiyo mari kuti insurer arege kuripa maererano chibvumirano inishuwarenzi. Kakawanda, kodzero iri isiyo, kuti Ndiko vanobhadharwa kuzvidzosera. Somuenzaniso, ngatitii iwe wakawana inishuwarenzi ane $ 30 deductible. Pazororo, wako huro kurwadziwa, uye iwe vakaenda chiremba uyo billed $ 45. Of izvi, uchava kubhadhara $ 30 pachako, uye $ 15 - kambani inishuwarenzi. Deductible policies vari isingadhuri, asi kana chiitiko insured kunoitika, mumari vangangova kurasika. Naizvozvo, vafambi ruzivo vanoda inishuwarenzi pasina deductible.

Sei inishuwarenzi iri unobhadharwa

Pane vaviri muripo inishuwarenzi kuita: kana ari inishuwarenzi unoripa muchipatara zvakananga, kana iwe mari pamusoro pachivara, uye ipapo inishuwarenzi kuchaita ripa iwe.

inishuwarenzi Service 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.

muripo inishuwarenzi 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.

Kana kufamba inishuwarenzi basa utano?

• Stung pedyo muramba;
• Stung neboka muramba kana kudzidzira egungwa;
• Inishuwarenzi kuti zvemitambo uye Outdoor mabasa;
• Akawira pasi, ndafenda, akamuka - purasita chakakandirwa;
• Akafamba akadhakwa, akawa, ndafenda, akamuka - purasita chakakandirwa;
• Help pamberi chidhakwa kudhaka;
• Vadya zvokudya omunharaunda uye machiri muchetura;
• Vadya zvokudya yomunzvimbo, uye gastritis akarwarisa;
• Rubatsiro exacerbation echirwere zvirwere.

Sei ndiwedzere inishuwarenzi zvinokosha

Kuti adzivirire inishuwarenzi wako zvechokwadi, wedzera mamwe kusarudza kwako chawo itsika. Heano mazano:

1. Kana kuenda kugungwa - kuwedzera rubatsiro sunburn;
   
2. Kana uchizopa Vachifamba, Skiing kana Surfing - inishuwarenzi wedzera kuti panze mabasa uye mitambo. Check ose mabasa auri kuita;
   
3. Kana uchida kukurira nomwe-thousander yepamusorosoro - inishuwarenzi mitambo kuwedzera kwete chete, asi kutsvakawo uye kununurwa akavhiyiwa uye neherikoputa kubvisa;
4. Kana kutambudzika kubva mudumbu nemaronda kana zvimwe chisingaperi zvirwere - wedzera rubatsiro exacerbation echirwere zvirwere;
5. Kana ukada kuchovha Mudhudhudhu kana mudhudhudhu - wedzera nezvechisarudzo ichi, inonzi kuti. Kuti kambani yacho inishuwarenzi kuti dzosera zvose pasina mubvunzo, unofanira akamufambisa sengowani uye dzakawanda chikamu A kodzero;
6. Kana uri kutarisira mwana, wedzera rubatsiro kana yematambudziko akazvitakura. Just tichifunga: vanhu vashoma inishuwarenzi pamuviri kusvika vhiki 31, kakawanda kusvika 24 kana kunyange 12 vhiki;
   
7. Kana uchida kugara girazi waini - kuwedzera rubatsiro kana doro kudhaka. kambani inishuwarenzi Ichokwadi chete munhu ane nzira yakadaro - BSN, chirongwa anonzi Optima. Vamwe insurers haangauyi dzosera iwe kana wanga tipsy. Uyezve, vamwe vanoramba kubhadhara chete kana kudhaka akakonzera tsaona, nepo vamwe haaripi chero zvazvingava. Kuruma nzeve: achiedza kuti doro kugutsikana haawanzopiwi kuitwa, saka zvakakosha kuti raiita unenge zvinofungwa vanachiremba;
8. Kana uchida kuwana zvauinazvo, wedzera inishuwarenzi mukwende. Kana sutukezi wako wakarasika, muchapiwa $ 500-2000 nokuti (unosarudza mari pachako kana iwe kuchera mutemo). Pasina inishuwarenzi ichi, kuti vendege kuzvitenga - kazhinji $ 20 chete kilogram;
9. Kana uri kutambudzika pamusoro pasipoti yako - kuwedzera gwaro inishuwarenzi. Umo nyaya, iwe uchava reimbursed nokuda mutengo yokudzorerwa;
   
10. Kana uri kutambudzika zvokuroorana aina panhandare yendege, wedzera ndege kunonoka inishuwarenzi. Ndege haazorambi kubvisa mhanyisa, asi iwe uchava kuripirwa ose awa yokumirira (kunze 4 rokutanga);
    
11. Kana usingade kubhadhara kukuvara netsaona akaita kuti mumwe munhu, wedzera inishuwarenzi kuita. Kana iwe netsaona bumped kupinda mumwe skier apo vanozvidzora, kambani yacho inishuwarenzi kundibhadhara pakurapa mavanga uye kutenga skis itsva yokutsiva kuputswa vakatendeka;
12. Kana uri kuronga pazororo pachine, wedzera inishuwarenzi kukanzura. Muchiitiko chino, kana uri waramba ma visa kana ukapfugama kurwara mazuva maviri asati aenda, kuti insurer vachadzoka mari matikiti, hotels uye mamwe mabasa unobhadharwa;
    
13. Kana uchida dendere zai kudzorera utano hwako, wedzera inishuwarenzi tsaona. Toti gumbo rako pazororo. Muchapandukirwa kubatwa pakarepo pamwe dzose inishuwarenzi yacho yokufamba. Uye kana uine pakutsanangura mutemo, ipapo pamba ivo vacharunzwawo kubhadhara muripo, izvo zvinogona apedza kunyange vapore, kunyange pamusoro smartphone itsva.

Travel Insurance

Travel Insuranse sangano akazvitsaurira inoita kuti zvive nyore kuti kuenzanisa uye inishuwarenzi kufamba zvirongwa kubva zvose mikuru insurers muasingasviki maminiti mashanu.

Kuti kushandisa basa, unongofanira kuva kushanyira nzvimbo, apo unofanira kupinda kwako rwendo mashoko kuitira kuti azive mitengo makambani akasiyana uye enzanisa navo.

Chii chinogona sezvinoratidzwa kugamuchira kukwira kwokuwirirana mashoko:

chinangwa chikuru: pano unofanira kuratidza munyika yamuchakwanisa vanopedza nguva yakawanda panguva rwendo yako. Unofanira kusarudza kubva pamazita;

Misi yekufamba: the date of departure and the date of return are indicated here;

Nhamba yeVafambi: you can specify from 1 to 10.

Kugara zvachose: 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;

Kutanga kubhadhara zuva - apa iwe unofanirwa kusarudza zuva rekutanga pawakabhadhara rwendo rwakakwana kana muchikamu. Kana mapoinzi emubairo akashandiswa kana achidaro uye hapana kubhadhara chaiko kwakaitwa, ipapo kunoonekwa kuti hauna kutengera rwendo rurezvo.

Mibvunzo Inowanzo Bvunzwa

Inishuwarenzi yekufamba ichidzivirira kubva mutsaona here ndichifamba?

Ehe, inishuwarenzi haizokuchengetedza iwe kubva tsaona, njodzi dzinongoitika dzoga, chirwere uye zvimwe zvinhu zvisingafadzi. Asi zvichabatsira kufukidza kurasikirwa kwako mushure mekutambudzika kwakadaro.

Vafambi vangatarisa sei kana varikurira kuwanda kweinishuwarenzi yekufamba neyakawana mutengo werwendo rwavo?

Vafambi vanogona kuenzanisa mutengo weinishuwarenzi kurwisa mutengo wakakwana werwendo rwavo uye kuongorora kufukidzwa kwakapihwa. Kazhinji, inishuwarenzi inofanirwa kunge iri chikamu chidiki cherwendo. Ivo vanofanirawo kuenzanisa marongero akasiyana kuti vave nechokwadi chekuti vari kuwana huwandu hwemakwikwi hwekuvhara kwavanoda.