Usati watenga inshuwarisi yekufambisa, tarisa pane yako yemainishuwarenzi yemazuva ano kuti uwane kuti inishuwarenzi munyori wechuwarisi angabhadhara sei pakutanga uye kuti kubhadhara kwacho kuchaita sei muupenyu hwako huwandu hwekubatsira. Iwe unogona kunge uri nani pakutenga supplemental travel health insurance inshumo kubva pane yako yemazuva ano yehutano inshuwaridzi, kunyange iyo inodhura kupfuura imwe yakasiyana yehutano inshuwarisi, kuitira kuti usapedzisira kugadziriswa kwehupenyu hwako huwandu hunobatsira.
ACanada Case Case
MunaMarch 2016, sangano reCanada Broadcasting Corporation rakabudisa nyaya yakanyanya kutaurwa panyaya dzakaoma, dzinokosha dzekutanga kubhadharwa uye zvinyorwa zvekugadziriswa muhurumende yeruzhinji. Nyaya yacho inotaurira nyaya yevadzidzi vaviri vekuCanada vakatenga mafirimu inshuwarisi yekufambisa, vachienda kuUnited States, uye vane ruzivo rwehutano hwehutano. Mukadzi wacho akabatwa nehutachiona hunopisa upenyu uye akapinda muchipatara. Paakanga ane hutano hwakakwana zvokuti aende kumba, vakaisa chikwata uye kambani yehutano yehutende yakabhadharwa.
Zvakanga zvisingambozivikanwi nemudzimai uyu, iyo iyo yekambani yekufambisa inshuwarheni, yakafanana neyese inishuwarenzi yakanyora pasi pose, yaisanganisira chikamu chechikamu chechikamu uye chikamu chekubhadhara chekutanga mune chechirongwa chebumbiro, zvichibvumira kambani kuti itore zvimwe zvekuda mari kubva mukana wehutano hwehutano hwehutano hwehutano huri nani - iyo insurer inobhadhara kurapwa isiri yakazara pasi pepurogiramu yehutano yenyika yeCanada.
Kubhadharwa ikoko kwakaverengwa pamusoro peupenyu hwemudzimai huwandu hunobatsira hweCDN 500,000, kuideredza neCDN 97,000. Kune mumwe munhu anotarisira kurarama kwemakore akawanda - ari 67 - izvi zvinogona kuva nengozi, sezvo iye angapedza mari yehushuwarisi kuti abhadharwe mitemo, chirwere chepanyama uye, zvichida, mamwe marapirwo anowanikwa kunze kwepurovhinzi yeimba yake.
Chokutanga Kubhadhara Zvikamu
Mitsara yekutanga yokubhadhara inowanikwa mumashandiro einishuwarenzi. Mitemo yenguva pfupi, yakadai sekufambiswa kweinishuwarenzi kana kukanganiswa kwekuchengetedzwa kwemishuwarenzi yemari yebhadharo yako, inowanzobhadhara kubvuma chete mushure mekunge mitemo yako yakareba kwenguva refu iripo. Izvi zvinoreva kuti inshuwarhu yako yehutano, inshuwarisi yemotokari kana imba yeimba inishuwarensi ichabhadhara kutanga, uye kambani yekufambisa inshuwarisi kana yekambani yemotokari ichazobata chero zvikwereti zvisina kubhadhara.
Kana iwe uchitaura pamusoro pehupenyu hwehutambisi wechipatimendi chekufambisa kana kambani yemotokari, gwaro rekubhadhara rokutanga richangoshanda. Mune mhaka yemotokari yveshuwarenzi yemhosva, chinhu chakaipisisa chingaitika chingave kuregererwa kwekutengesa motokari yako yepamotokari nekuda kwezvirevo zvakanyanya. Inishuwarenzi yehutano, semuenzaniso wedu pamusoro apa unoratidza, inogona kuva yakaoma zvikuru.
Kuita Kutevedzera Kunoshanda
Izvo zvidimbu zvechikamu chechikamu chechikamu chekushandira inshuwariti chechirongwa chechirongwa chinotarisa chimwe chinhu chakadai
"Kusvika pamwero iyo Inishuwairi inobhadhara kurasikirwa kunotambudzwa neAn Insured, iyo Inishuwarenzi inotora kodzero uye mishonga iyo Inshuwarheni yaive ichitaura nezvekurasikirwa. nokuda kweHupfumi.
Izvi zvinogona kusanganisira kusayina mapepa chero ipi zvayo uye kutora chero dzimwe matanho iyo Insurer inogona kudikanwa. "(Inobva: TravelGuard )
Iri chinyorwa chinopa yako inshuwarisi yehurumende inshuwarheni mvumo yekutsvaga kubhadhara kubva kune vamwe vatsigiri kana mapato avo vanogona kutaridzirwa sevokubhadhara vekutanga pamhosva yako, zvichida nokuti mapato acho akanga ane mhosva (kureva kuti ane kodzero yepamutemo) kana nekuda kwekuti makambani einishuwarenzi akatumidzwa kuti vatengi vokutanga mufambiro yako yerishuwarenzi. Nokubvumirana neshoko rekuisa pasi, iwe uri kupa kambani yeinishuwarenzi mvumo yekuita panzvimbo yako kuti uone kune vamwe bhizimisi uye uwane iyi yekubhadhara.
Kuzviisa pasi hakusi kungofanana nekutambira inshuwalense yemhosva. Kana iwe uri mungozi yemotokari, somuenzaniso, kambani yako yehushuwarisi inogona kubhadhara kukanganisa kwemotokari yako kana kuti kurapa kwako, asi, kana mumwe mutyairi akatsunga kuve akakanganisa, kambani yako ye inshuwarheni inobvunza mutyairi wemutyairi kuti adzorere ivo nokuda kwezvinhu izvi, dzimwe nguva vasina kukuudzai.
Zvichienderana nezvamunogara uye kuti ndeupi rudzi rwehushandi hwehupfumi huripo, zvikwereti zvokutanga zvekubhadhara uye zvibvumirano zvisingabvumirano zvingasava nemigumisiro yemainishuwarenzi ako emangwana, kana kuti inogona kuchinja hupenyu hwako huwandu hunobatsira.
Vagari venyika dzakasiyana-siyana Vanotarisana Nenzira dzakasiyana dzekufambisa Inishuwarenzi
Vagari venyika yeUnited States vanonakidzwa nehutano hwehutano inshuwarano nezvibvumirano nenyika dzakawanda muEurope Economic Area uye neSwitzerland neAustralia. Nekudaro, vaifambisi vehutano vanoenderera mberi vangaramba kubhadhara kudhakwa kwezvokurapa kwakaiswa nevashanyi vanobva kuUk vasina kuwana European Health Insurance Card (EHIC) vasati vafamba kana kuti havarenge muAustralia Medicare (national health insurance) system pavanotsvaka kurapwa mune izvozvo nyika. Kusununguka kwekugadzirisa zvibvumirano kune dzimwe nyika zvinogona kubvumira vagari vemuUnited States kuti vawane rubatsiro rwakasununguka kana rubatsiro rwehutano pavanenge vachifamba; taura iwe webhusaiti yeNational Health Service kuti uwane mamwe mashoko.
Ndiri kugara muUnited States, uye, mushure mokuverenga nyaya yeCBC yakataurwa pamusoro apa, ndakatarisa pane zvose zviripo zvematongerwo enyika uye ruzivo ruzivo rwehutano hwangu hwehutano inshuwarano. Handizvo, sezvandinoziva, ndine hupenyu hwehupenyu huripo pane zvandinowana - kunyangwe chero bedzi ini ndiri kukwanisa kupa chirongwa ichi. Utano hwangu hwehutano inswriter hunofanira kubhadhara kutanga kana ndakatenga inshuwarisi yekufambisa uye ndaisa chikwata, asi handingarasikirwi nezvikwereti munguva yemberi sechikamu cheizvi. Vatorwa veCanada vane huwandu hwehutano inshuwarisi mitemo vari mumamiriro akasiyana zvakasiyana.
Ramba uchiyeuka kuti matambudziko akakanganisa vakaroorana vechiCanada munyaya yeCBC yakataurwa pamusoro apa inobatana nekuti vagari vomuCanada vanogona, uye vanowanzozotenga kutengesa kwehutano hwehutano nekuwedzera kune hurongwa hwehutano hwehutano hwehutano vagari vese vanowana. Iko kugoverwa kunouya nehupenyu huwandu hunobatsira, uye hazvirevi kuti hunofukidza zvose zvinotengeswa paunofamba kunze kwenharaunda yako yepamba.
Vaviri vacho vakazonyora mubhuku reCBC vangave vakatarisa tsamba yehutano yemainishuwarenzi pawebsite yehuwandu hwerongwa hwehutano hwavo, Pacific Blue Cross, uye verenga ruzivo rwekufambisa urongwa ruzivo: "Kana uine chirongwa cheutano chakawedzerwa nePacific Blue Cross , Rwendo Rwako Ruchava rwekutanga kubhadhara. Izvi zvinodzivirira muganhu weupenyu hwako paHurongwa Hwehuwandu hweHutano. " Vangadai vakaverenga chirevhisi chekufambiswa kwehurumende yehutano uye vakatsvaga kugadziriswa uye zvinyorwa zvekutanga zvokubhadhara. Vangadai vakataura nekambani yehufambisi yemaifambiro uye vakabvunza pamusoro pemitemo yekubhadhara, asi, kufanana nevakawanda vedu, vakanga vasingazivi zvakakwana pamusoro pekutanga kubhadhara uye zvinyorwa zvekuisa pasi kuti vatange kubvunza mibvunzo yakarurama.