Caymiska safarka ee dibedda: khiyaanooyinka si looga fogaado waxyaabaha la yaab leh

Dhaqan ahaan, Caymiska Safarka waxaa fahmaya dalxiisayaasha siyaasad siineysa xuquuqda ay ku helaan daryeelka caafimaadka ee dalka martida loo yahay. Caymiska caafimaad ee caafimaad waxaa loo arkaa inuu yahay dukumenti kaaduhu, oo nuxurka ay ka hadhsan tahay iyada oo aan lala joogin, oo ay tahay caymis caafimaad - iyo noocyada kale ee caymiska dalxiiska ayaa gacan ka geysan doona in laga fogaado dhibaatooyin kale oo halis ah inta ay safrayaan.

Dalxiisayaasha, badanaa, dabcan, waxay ogaadaan baahida loo qabo caymiska, iyo sidoo kale waxa ku kici kara waxa ku kacaya bixinta adeegyada isbitaalka.

Kuwa u abaabulaya safarkooda dalxiis ma ka fikiraan Caymiska Caafimaadka si fudud maxaa yeelay baakadaha dabagalka caadiga ah waxaa ka mid ah caymiska caadiga ah ee loogu talagalay safarka dibedda ee dibedda.

Si kastaba ha noqotee, dalxiisayaasha mas'uulka ka ah, kuwaas oo doorbida inay u safraan kaligood, iyo sidoo kale kuwa inta badan ku safraya meheradda caymiska caafimaadka ee safarka oo ay soo iibsadaan ballansashada caymiska naftooda, badiyaa iyada oo lagu qoro bogagga shabakadda ee shirkadaha caymiska. Sida ku celcelinta ayaa muujineysa, kuwa ugu yaraan mar alla markii ay la kulmeen dhibaatooyin la mid ah safarka, mustaqbalka, oo aadida dibedda, had iyo jeer waxay helayaan caymis.

Helitaanka mid waa qayb muhiim ah oo ka mid ah qorshaynta safarka, waana in xitaa la sameeyaa ka hor intuusan bilaabin shandadahaaga sida ugu habboon ee aad u socoto illaa aad qorsheynaysid safarka waqti dheer.

Isla mar ahaantaana, marka lagu daro caymiska caafimaadka ee caadiga ah, waad iska ilaalin kartaa naftaada haddii ay dhacdo duruufo kale oo aan la fileynin. Tusaale ahaan, tan, caymiska ka dhanka ah luminta shandadaha, kahortagga baajinta iyo suurtagalnimada badan oo kale ayaa la bixiyaa. Aynu tixgelinno si faahfaahsan.

Waa maxay noocyada caymiska safarka ee maxaad ka caymin kartaa?

Aynu ku bilowno xaqiiqda ah in siyaasad loogu talagalay kuwa u safraya dibada, oo laga helo kahortaga khataraha, ma aha sida keliya ee lagu badbaadiyo naftaada, marka lagu daro caymiska caafimaadka ee caadiga ah, waxaa ku jiri kara noocyo kale oo khataro ah. Waxay noqon kartaa:

Kharashaadka Caafimaadka

Kharashaadka Caafimaadka - 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. Daawooyinka la qoray Si tan loo sameeyo, waxaad u baahan tahay inaad wacdo lambarka lagaala soo xiriiro ee xarunta wicitaanka ee shirkadda caymiska - badiyaa lambarada taleefannada loo baahan yahay ayaa ku lifaaqan siyaasada.
2. Daaweynta bukaan-jiifka.
3. Gaadiidka dhibanaha ee cisbitaalka ama meesha loo tago (kan dambe - ayaa lasiiyay inaysan suurta gal ahayn in la bixiyo daryeelka caafimaad ee lagama maarmaanka u ah dalka martida loo yahay ama haddii kharashaadka joogitaanka isbitaalka ay dhaafi karto xadka caymiska ee lagu aasaasay xadka caymiska qandaraas). Waa in la ogaadaa in aanan ka hadlaynin kharashaadka gaadiidka, laakiin ku saabsan Gaadiidka laftiisa, taasi waa shirkadda caymiska, ama halkii ay lammaanaheeda ku leedahay waddan kasta, waxay abaabushaa imaatinka ambalaaska ama gaari kale.
4. Magdhowga kharashaadka safarka ee dhacdada in qofku uusan u duulin karin guriga waqtigii loogu talagalay baahida loo qabo daaweynta bukaan-jiifka.

Dhacdo caymis ah oo loogu talagalay caymiska noocan ah, iyadoo loo eegayo qawaaniinta caymiska, waa cudur kedis ah oo ku yaal dhulka siyaasada. Xaaladdan oo kale, dhacdo looma aqoonsana caymis haddii ay la xidhiidha cudurada daba-dheeraada ee loo yaqaan waqtiga gabagabada iyo / ama qabata qofka caymisku uu hore u helay (xitaa haddii qofka caymisku uusan helin daweyn iyaga). Xeerkani waa mid caalami ah oo loogu talagalay cudur kasta, oo ay ku jiraan cudurada wadnaha.

Caqli galyo gaar ah ayaa lagu raali gelin karaa tan, maadaama nuxurka caymiska uu ka ilaaliyo khataraha, dhacdada ay adag tahay in horay loo sii saadaaliyo. Haddii qofka qaba wadnaha jiran uu ku nasto waddan kale - masuuliyada caafimaadkooda waa inuu la seexdaa isaga, oo aan la joogin shirkadda caymiska. Haddii qof caafimaad qaba uu qabo dhibaatooyin wadnaha, caymisku wuxuu daboolayaa qiimaha ogaanshaha ogaanshaha ee loo baahan yahay, daawooyinka uu dhakhtarku soo qoro, qarashka isbitaalku kuqoro.

Oo weliba, haddii ay qasaariyeen caymis uu diyaarad ay sabab u tahay in isbitaal, shirkadda caymiska kuu diyaarin doonaan oo mushaar uu ka soo laabtay meeshii deggenaanshaha abadiga ah (kharashka oo dhan waa la daboolay gudahood lacagta ceymiska ku qeexan heshiiska caymiska).

Caddadka caadiga ah ee caymiska caafimaadka ee dalalka ugu (oo ay ku jiraan dalalka Schengen) waa 30 kun euros (at heerka sarrifka hadda ka jirta rubles waa 2501653,66, kharashka caymiska safarka sida dhaxayn karo 0.5 ilaa 2 euros maalintii joogista) ; ka reeban - America, Canada, Japan, kaas oo qadarka caymiska waa in ay ahaadaan ugu yaraan 50 kun oo doolar (at heerka hadda sarrifka ee rubles waa 3,687,315.63). Iyo kharashka siyaasadda si ay u dalalkaas, siday u kala horreeyaan, wax yar ka qaalisan yahay.

caymiska shillalka

caymiska shillalka 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.

caymiska Civil

caymiska Civil 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.

Safarka caymiska la joojiyo.

siyaasad noocan oo kale ah daboolayaa kharashka safarka haddii safarka gooyey ama carqaladeeyey sabab u gardarrada ah ee labada dhinac saddexaad. Sababaha waxaa laga yaabaa in isbitaal ee ceymiska ama qaraabo dhow, kolka ay maxkamadda, Yeedhidda ka diiwaan military iyo xafiiska enlistment. Kharashka caymiska safarka dhanka ah baajinta dhaxayn karo 6 ilaa 8% ee qiimaha foojarka.

caymiska boorsooyinka

caymiska alaabta ku ilaaliya hantida shakhsi ahaaneed ee qofka ceymiska inta lagu jiro dayuurada, in uu yahay, dhaawaca la magdhow doonaa oo kaliya haddii alaabta lumo iyada oo qalad ah ee side. Qiimaha siyaasadda si gaar ah loo gooyay, laakiin xadka sare ee lacagta ceymiska (i.e. lacagta taas oo boorsooyinka waa caymis) waxaa xaddidi kara caymisku. Si kastaba ha ahaatee, noocan ah ee caymiska dalxiis dibedda waa xal wanaagsan haddii kharashka boorsooyinka ka badan 20 euro halkii kiilo (in diyaaradaha ugu tani waa lacagta ugu badan ee suurto gal ah in side hawada kuu soo celinayo karo). Laakiin socotada caymiyaan karo boorsooyinka lacagta kasta oo aad si loo soo celin doono qodobada heshiiska caymiska gabagabeeyay. Xaaladaha kale, xad waxaa sida caadiga ah la dhigayaa on magdhow dhaawacyo halis this. qiimaha caymiska sida kala duwan ee kala duwan ee 2-20 USD. ilaa kulanka oo dhan 30 maalmood, waxay ku xiran tahay wadarta caymis. Waa in la ogaadaa in bixinta ee shirkadda caymiska tagaa on top of lacagaha ka side.

Waxaa jira laba nooc oo ah caymiska waayo khataraha safarka:

1. Compensatory.

dalxiiska ayaa si madax-bannaan bixisaa kharashka oo dhan, ka dibna, in ay dalka ku soo laabtay, hadiyado dukumentiyada la tirinayay in caymisku, taas oo magdhow u noqda, waayo, dhammaan xaqiijiyay kharashka. Qaabkan caymiska oo muujinaysa in qofka ceymiska ku leeyahay lacag shakhsiyeed ee dhammaan dhacdooyinka lama filaan ah; Dabcan, tani ma aha had iyo jeer waa kiiska.

2. Service.

Shirkadda caymisku waxay soo gunaanaday heshiis la shirkadaha caymiska shisheeye ku takhasusay taageerida dalxiiska iyo mag kharashka si toos ah uu galay ee ay dhacdo ceymiska. Sida iska cad, noocan ah ee caymiska wax badan oo ku haboon dalxiiska ah oo kaliya u baahan tahay in wac lambarka telefoonka ku cad siyaasadda oo aad gargaar u hesho lagama maarmaanka ah gudahood wadarta caymis.

Tiirarka ugu muhiimsan ee kharashka caymiska waa:

• Duration safarka,
• Dalka siyaasadda (taasi waa, waddanka siyaasadda ansax noqon doonaa);
• da'da qofka ceymiska marka ay timaado caymiska caafimaadka (carruurta iyo dadka waayeelka ah, heerka caadiga ah ka sarreeya waa).

Qiimaha siyaasadda ayaa sidoo kale saamayn ku set ee halista iyo xaddiga lacagta ceymiska. inta badan shirkadaha caymiska waxay bixiyaan barnaamijyada caymiska safarka caadiga ah, laakiin qaar ka mid ah iyaga ka mid ah waxay bixiyaan fursado fiican oo ay ku jiraan halis dheeri ah ama xaaladaha siyaasadda.

Intaa waxaa dheer, version caadiga ah ee dalab dhameystiran ka caymisyada waa in la taageero caymiska dheeraadka ah ee qasabka ah, tusaale ahaan, by siyaadinta caymis shil caafimaadka.

Waxaa kaloo muhiim ah in ay bixiyaan shuruudaha iyo goobta siyaasadda dareenka. Sida laga soo xigtay Rules caymiska, haddii waqtiga iibsiga dalxiis horeba waa dibadda (kuwaas, waxaana geyiga caymiska), ka dibna siyaasadda waxaa loo arkaa sax ahayn. Taasi waa, waxaad u baahan tahay si aad u iibsato kaliya ka hor safarka, oo sinaba uma ay inta lagu guda jiro. Intaa waxaa dheer, siyaasadda waa ansax ah oo keliya in dhulka ee dalka oo la tilmaamay waxa ku jira. Haddii mid ka mid ah dalka waxaa lagu calaamadeeyay in dokumentiga, waxa ay noqon doontaa ansax ah oo keliya on dhulkeeda; haddii ay jiraan dalal - ka dibna on dhulka ee mid kasta oo iyaga ka mid ah, oo haddii dalka ee  Aagga Schengen   ka mid ah oo kaliya ayaa la tilmaamay, siyaasad weli ansax ahaan doontaa dhulka ee aagga oo dhan Schengen.

caymiska safarka WorldNomads

Shirkadda waxay bixisaa caymiska nolosha iyo safarka ah dadka deggan dalalka sida:

• Australia,
• Brazil,
• Kanada,
• Japan,
• New Zealand,
• Portugal,
• Boqortooyada Ingiriiska;
• USA.

WorldNomads faa'iidooyinka

1. ilaalinta Trip.

socotada ah ay fasax adag ku kasbatay ka kansal lama filaan ah u ilaalin karaa.

• Qorshaha Baadhaha ee: $ 10,000.
• Qorshaha Standard: $ 2,500.

caymiska caafimaadka 2. Xaaladda degdegga ah.

Socotada uga takhalusi karaa xanuunka ah taasoo lid ku ah kharashyada caafimaadka ama ilkaha.

• Qorshaha Baadhaha ee: US $ 100,000.
• Qorshaha Standard: $ 100,000.

3. geeddiga Degdegga ah.

Emergency Medical Gaadiidka: Shirkadda si deg deg ah kaalmo gaadiid doonaa socotada isbitaalka ama guriga.

• Qorshaha Baadhaha ee: $ 500,000.
• Qorshaha Standard: $ 300,000.

4. Ilaalinta qalabka.

Daboolida lumay, la xaday, ama waxyeello socotada ee bacaha, baabuurta iyo qalabka.

• Qorshaha Baadhaha ee: $ 3,000.
• Qorshaha Standard: $ 1,000.

Su'aalaha Badanaa La Isweydiiyo

Runtii taasi miyey muhiim tahay in lagu qaado caymiska safarka ee dibedda?

Haa, aad ayey muhiim ugu tahay dalxiis kasta. Maadaama tani ay tahay badbaadintaada inta aad u safreyso dibadda. Xusuusnow in adeegani uu hubin doono inaad daryeel caafimaad hesho wakhti kasta iyo meel kasta inta lagu gudajiro safarkaaga.

Maxay yihiin qaar ka mid ah talooyinka muhiimka ah ee looga fogaado arrimo lama filaan ah oo leh caymiska safarka markii dibedda dibedda lagu dilo?

Tilmaamaha waxaa ka mid ah akhriska iyo fahamka siyaasada, iyadoo la ogaado waxa la daboolayo, oo lagu hubinayo in loo daboolo dhammaan meelaha loo baahan yahay, iyo in la ogaado hannaanka lagu xallinayo sheegashada.