Kufamba Inishuwarenzi 101: Chii Chinonzi Travel Insurance?

Nyore nyore-kuverenga yekufambisa pamusoro pekufambisa inshuwarisi mitemo

Iwe haufaniri kuzviwana uchitaura nyaya yacho neshamwari dzako uye vavakidzani, uye inshuwarisi yekufamba haisi nguva dzose inobudiswa muhurukuro yepamusoro nekuchengetedza vatauriri (kana mhuka, nokuda kwenyaya iyi). Mimwe yveshuwarenisi mitemo yatinotenga-hupenyu, hutano, motokari uye kumba - zvose zvinotsanangurwa ivo pachavo. Asi chii chinonzi inshuwarisi yekufamba ?

Nyo tsanangudzo yakajeka yekufamba inshuwarisi

Zvimwe chete, inshuwarisi yekufamba ndiyo inokosha kwazvo, yakagadzirirwa kuchengetedza hutano hwako nehupfumi pane chimwe chiitiko chimwe chinhu chinopera munguva yezvokudya zvako pasi rose.

Kunyange zvazvo zvisinganzwisisike kutenga inshuwalisi yefambi yekufamba kwako kune imwe nyika, iwe unowanzowana ruzivo rwekufambisa kwekufambisa kune dzimwe nyika. Iwe unonyanya kuwana hupenyu hwehutano hwehutano kana zvichiuya nekufambira kumaduku asina kusimbiswa, kana nzvimbo dzenyika dzingangodaro dzakapesana.

Haizofambisa inishuwarenzi pane yangu yemainishuwarenzi iripo?

Uyu ndiwo mubvunzo unowanzobvunzwa apo vafambi varikufunga kuwedzera kambani yekushandura inshuwarisi kune yavo yekunyora mutsara. Kunyange zvazvo hupenyu hwako huripo uye hutano hwehutano huchafukidza chimwe chinhu chinoitika kwauri iwe uchifambisa mukati memunharaunda yako, izvo zvikomborero zvingasawedzerwa kwauri kana uchifamba munyika yose. Izvi zvinonyanya kukosha kune avo vari muMedare: apo Medicare ichawedzera zvikwereti paUnited States kana munharaunda yeUnited States (kusanganisira Puerto Rico, US Virgin Islands, Guam, Northern Mariana Islands, kana American Samoa), iwe unogona kwete kuwana rubatsiro rwekubatsira paunenge uchifamba munyika yose.

Ndinoda inshuwarisi yekufambisa kuenda kune imwe nyika here?

Uyu ndiwo mubvunzo wakawanda - asi wakaoma zvikuru kupindura. Paunofamba kune dzimwe nyika dzakawanda dziri kumadokero iwe pachako, dzakadai seCanada, United Kingdom, Ireland, France, Spain, kana Germany, haungatenderwi kupa uchapupu hwehupenyu inshuwarisi.

Izvo zvataurwa, inshuwarisi yekufamba ingakwanisa kukubatsira iwe mumarudzi aya kana iwe uchirwara kana kukuvadzwa panguva yako.

Munyika dzichiri kusimukira pasi pose, inshuwarisi yekufamba inokurudzirwa zvakasimba nekuda kwezvikonzero zvizhinji. Semuenzaniso, hurongwa hwehutano uye hwehutsanana mune imwe neimwe yevahedheni hahukwanisi kuvakwa kune zvakafanana nemamiriro ekumadokero. Somugumisiro, mvura yepombi inogona kuva nemasipirisi, uye zvipatara zvinogona kunge zvisingakwanisi kupa mhando imwe yekutarisira sezvaunogona kuwana kumba. Mumamiriro ezvinhu aya, inshuwarisi yekufambisa inogona kukubatsira kuwana zvivako zvakakwana zvekuchengetedza, uye (mune dzimwe mamiriro ezvinhu) kuita kuti kubuda kwako kubuda mune zvekurapa muitiko wekukurumidzira.

Kune rumwe rutivi, dzimwe nyika dzinogona kukumbira kuti iwe utakure inshuwarisi yehurumende usati wapinda munyika yavo. Somuenzaniso: kuitira kuti ushandise kushanya kuRussia, iyo embassy yauri kushanda nayo inogona kukumbira uchapupu hwehupenyu hwehutano husati hwapa visa yakakodzera, kuwedzera kune mamwe magwaro. Uye vafambi vari kushanyira Cuba vanogara vachida kutakura uchapupu hwehurumende yendefisi, kana kuti vangave vakamanikidzwa kutenga mutemo kubva kune imwe kambani yemunharaunda vasati vapinda.

Ndekupi kwandingawana nhamba yekambani dzeshuwarisi dzekufamba?

Nechinangwa chekuziva, Dhipatimendi reHurumende rine runyorwa rwevashandi vehutambi vanoenda muUnited States.