Kuongororwa kwechangobva kufambiswa nekufambisa inishuwarenzi kufanirwa nzvimbo InsureMyTrip inoratidza kuti nhamba yakawanda yevanhu veAmerica haisati yajeka pamusoro pekuti vanofukidzwa kurapwa kana vachifamba kunze kwenyika.
Kana mugari weAmerica achirwara zvakakomba kana akakuvara kunze kwekune imwe nyika, mukuru wehurumende kubva kumusangano weUnited States kana hurumende anogona kubatsira pakutsvaga rubatsiro rwakakodzera rwemishonga nekuzivisa mhuri yako kana shamwari dzako.
Asi kubhadharwa kwechipatara uye zvimwe zvinotarisirwa zvinotarisirwa nemurwere.
MuIndureMyTrip kuongororwa kwevanhu 800 vakapindura, inenge chikamu chimwe chete muzvitatu chakanga chisiri kuziva kana vashandi vavo vehurumende yehutano inshuwarisi vaizovhara chero chiremba kana kuti zvipatara kushanyira kunze kweAmerica makumi maviri nemapfumbamwe kubva muzana vakafunga kuti inshuwarisi yavo yakaisa kugoverwa, asi 34 muzana vakafunga kuti inshuwarisi yavo yaizopa kugoverwa.
Uwandu hwehutano hwezvehutano hunowanika kune dzimwe nyika kune imwe nyika hunogona kusiyana-siyana, zvichienderana nehutano hwehutano hwako uye chirongwa. Vashandi vemainishuwarenzi makuru akadai seBlue Cross neBlue Shield, Cigna, Aetna vanogona kupa hurumende nekukurumidzira kutarisirwa kune dzimwe nyika asi tsanangudzo yekukurumidza inogona kusiyana.
Kufamba naambuya nasekurukuru? Medicare haichawanzobhadhari kurapwa kwechipatara, chirwere chekushanyira, kana maambumba ekugadzirira kune imwe nyika. Puerto Rico, US Virgin Islands, Guam, Northern Mariana Islands, uye American Samoa inonzi inhengo yeUnited States.
Kana mumwe munhu mutambo wako wekufambisa akanyoresa kuMedare, anogona kukwanisa mutemo weMedigap kuvhara kuchengetedzwa kwekukurumidza kwakagamuchirwa kunze kweUnited States. Iyi nhepfenyuro inopa 80 muzana yemakero ekubhadharwa ekuchengetedzwa kwekukurumidza kunze kweUnited States mushure mekusangana ne $ 250 gore rega rega. Medigap kugoverwa kune muganhu weupenyu hwe $ 50,000.
Chii Chingabvunza Bhizimisi Wenyu Hwepamweya
Nzira chete yekuziva nayo chokwadi chinangwa chako cheshuwarenzi ine hutano ndeyekubvunza. Usati wasimuka paurwendo rwepasi rose, dana iwe inshuwarisi uye iwe ukumbire kuongorora chiremba chako chekugovera kutsanangurwa kwebatsiro. Heano mibvunzo masere inobvunza:
- Ndingawana sei zvipatara zvinogamuchirwa navanachiremba pandinoenda? Paunosarudza chiremba, iva nechokwadi chokuti anogona kutaura mutauro wako.
- Inishuwarenzi yangu inobhadhara mari inoshandiswa kune dzimwe nyika zvakadai sokundidzorera kuUnited States kuti ndirapwe kana ndikarwara zvakanyanya here? Ngwarira kuti vazhinji ve-inshuwarisi vanoita mutsara pakati pe "kuchengetedzwa nokukurumidza" uye "kuchengetedzwa kwekukurumidza." iyo inotaura zvakananga kuhupenyu-kana kuti chikwata-kutyisidzira mamiriro ezvinhu.
- Inishuwarenzi yangu inobata zvinhu zvakanyanya ngozi panjodzi dzakadai separasailing, kukwira kwemakomo, scuba diving uye off-roading?
- Ko maitiro angu anobata mamiriro ezvinhu akambovapo?
- Iko inshuwarisi yangu yekambani inoda kusati-mvumo kana pfungwa dzechipiri mushure mekunge chirwere chinokurumidza chinogona kutanga?
- Iko inshuwarisi yangu yekambani inobhadhara mari yekurapa kune dzimwe nyika
- Ko kambani yangu ye inshuwarisi ichabhadhara kune dzimwe nyika zvipatara uye vatorwa vokune dzimwe nyika?
- Ko kambani yangu ye inshuwarisi ine maawa makumi maviri nemasere anotsigirwa nechiremba?
Kana hurongwa hwehutano hwehutano hwehutano hunoendesa kupararira kunze kweUnited States, yeuka kutakura yako inshuwarisi purogiramu yechiratidzo, nhamba yebasa rekutengesa nhamba, uye fomu yekubvunza.
Makambani mazhinji ehutano inshuwalhu achabhadhara "chipatara uye chinonzwisisika" chipatara chinoshandiswa kune imwe nyika, asi US Department Dhipatimendi inonyevera kuti vashomanana makambani ehushuwarisi ehutano achabhadhara kubuda kwechiremba kudzokera kuUnited States, iyo inogona kutengesa madhora mazana maviri, zvichienderana ne mamiriro uye nzvimbo.
Kana uine matambudziko ehutano aripo, unofanirwa kutakura tsamba kubva kune waunoenda kuchiremba, uchitsanangura mamiriro ezvehutano nemishonga ipi zvayo yemishonga, kusanganisira zita rinowanzoitwa nemishonga yakanyorwa. Siya chero mishonga yaunotakura mumidziyo yavo yepakutanga, yakanyora kunyorwa. Iva nechokwadi chekutarisa nehurumende yekunze kwenyika yaunoshanyira kana kuti inofamba nenzira inoita kuti uve nechokwadi chokuti mishonga yako haifaniri kuonekwa seyi narcotics dzisiri pamutemo munyika iyoyo.
Kuti uwane dzimwe nguva nyaya dzezvehutano pazororo, funga Dr. Dr.'s Doctor pane Demand app, iyo inokuita iwe kuti ukurukure video nachiremba wepafa $ 40 yemari.