Iwe Unoda Kutambira Inishuwarenzi?
Funga nezvezviitiko izvi:
- Iwe unowira nekuvhuna gumbo rako paunoshanyira Croatia. Iwe unofanirwa kubhururuka kumba, asi haugoni kukotama bhegi rako rweruboshwe.
- Mazuva maviri usati wapfuurira kubhururukira kuNew Zealand, iwe unoburuka nechirwere chegore rino refuruwenza.
- Chikepe chako chekutya hachikwanisi kusiya panguva nokuti dutu riri kutakura paunoenda muguta.
Kana iwe ukatenga nzira yakakodzera yekushandura inshuwarisi usati watanga rwendo, iwe unogona kuwanazve mari yakawanda yorwendo rwako rwakakanganiswa kana mari yakawedzerwa yekubhururuka kumba panguva yakaremara.
Funga kutenga kutenga inshuwarisi yekudzivirira kuchengetedza matambudziko asingatarisiri kuti urege kuparadza hope yako yezororo.
Inyore Inishuwarensi Inokosha Here?
Kunyange zvazvo dzimwe nyanzvi dzekufamba dzinoti kusafambiswa kwehupenyu hakoshikidzi mari, vatungamiri vakuru vanofanira kufungisisa nyaya iyi zvakanyatsonaka nokuda kwezvikonzero zvakawanda.
Kana iwe chete wehutano inshuwarisi ndeye Medicare kana Medicaid uye unoronga kufamba kune imwe nyika, unofanira kutenga kutenga mahara yehutano inshuwarisi. Medicare inokweretesa chete mari inotengeswa mukati meU.S. Kana iwe uchirwara kana uchikuvara kunze kune imwe nyika, iwe unotarisirwa kubhadhara kurapwa kwako kwepamusoro, kana iwe usina unhu hwekurapa inshuwarisi. Emergency medical care inogona kudhura, uye kubuda kwechiremba (kubhururuka kumba pavanorwara kana vakakuvara) kunodhura zviuru zvemadhora.
Kana iwe uine inshumo kuburikidza neHMO, chengetedza kuona kana iwe unogona kuwana rubatsiro rwezvekukurumidzira kunze kweropa reHMO. Dzimwe humwe HMO haingabvi kunze kwenzvimbo kana kunze kwezvipatara zvemari.
Kufamba inshuwalisi yezvehutano inogona kunge iri nzira yakanaka yekuwedzera kuhutano hwehutano hwako kana nzvimbo yako yeHMO yese yakakwana.
Kana iwe ukashanyira rwendo kana kufamba uye unofanira kufiridzira, iwe unogona kutarisana nechirango kubva kune vatariri vako vekushanyira kana mutambo wechikepe kana uchida kubvisa rwendo rwako. Ichi chirango chinogona kunge chinopfuura kudhura kwekufamba kwekutsvaga inshuwarisi.
Kana zvakadaro, rwendo rwekudzivirira inshuwarisi ringakudzivirira kubva pakurasika kukuru.
Kana iwe uchifamba kazhinji, funga nhengo yegore negore purogiramu yekukurumidza kuvhara saMedjetAssist. Kwemazana mashomanana emadhora pagore, iwe uchawana kutarisirwa kwekutsvaga kwehutano kune chipatara chako chakasarudzwa kana iwe uchifanira kurwara kana kukuvara.
Mitauro yeFanisi Insurance
Kutenga kwehutano inshuva kunogona kuvhiringidza. Iko kune marudzi akawanda ehupenyu hwehutano huri zvirongwa. Vamwe vanopa rudzi rumwe chete rwekugovera, asi mamwe maitiro akazara.
Maererano neU.S. US Insurance Insurance Association (UStiA), pane zvitatu zvemararamiro ekufambiswa kwehutano inshumo:
Rwendo Kurambidza / Kurasikirwa / Kukanganisa Kushandiswa
Iyi ndiyo mitemo inobatanidza mari yekubhadhara mari yako yekubhadhara kana uchida kubvisa rwendo rwako. Rwendo rwekuregesa inshuwarisi huchadzorera iwe kana iwe usingakwanisi kuita rwendo rwako nokuti iwe kana mumwe wemumhuri anorwara kana kana matambudziko emamiriro ekudzivirira achikudzivisa kuenda. Ichakudzorera zvakare iwe pamutsipa wakarashika . Imwe mitemo inosanganisira kusagadzikana kwemari kwemupiki wako wekufambisa kana kubhadhara pokugara uye kudya panguva dzenguva dzinotanga mushure mekunge rwendo rwako ruchibva.
Emergency Medical Assistance uye Evacuation Coverage
Izvi zvinobhadhara kune zvekurapa uye mari yekukurumidza kudzoka kufamba.
Iyi kugoverwa inonyanya kukosha kune vakwegura vanofambira nokuti inobhadhara mari yekurapa inowanikwa kunze kwenyika yako yekumba.
Maawa makumi maviri nemaviri Rubatsiro rwefoni
Izvi zvinopa vafambi nenzira ine nyore yekuwana vanachiremba uye kuwana rubatsiro rwekukurumidzira. Inonyanya kubatsira kana iwe uri mune imwe nzvimbo iyo Chingerezi isingawanzotauri.
Kwatingawana Kufambisa Inishuwarenzi
Dana iyo inshuwarisi yekambani uye bvunza kana vakatengesa kufamba inshuwarisi.
Taura neU.SA Travel Insurance Association, Travel Health Insurance Association yeKanada kana sangano rakafanana rekushandira munyika yako. Kumbira runyorwa rwevashambadziri vanofamba munzvimbo yako. Aya masangano enyanzvi anopawo ruzivo rwekufamba inshuwarisi.
Bvunza kumativi ose. Kana iwe uine chikamu mumagariro evanhu, iwe unogona kutumira mubvunzo pamusoro pekufambiswa kwehushuwarisi uye kuverenga pamusoro pezvimwe zviitiko zvevafambi.
Taura shamwari uye ubvunze kana vakatenga inshuwarisi yekufamba.
Shandisa inishuwarenzi yenzandisi yekuenzanisa, seIndureMyTrip.com, SquareMouth.com, kana TravelInsuranceCenter.com kuti ikubatsire kutsvakurudza kugovera uye mari.
Nzira Yokutengesa Sei Kufamba Inishuwarenzi
Tarisa purogiramu inobatanidza mamiriro akambovapo; vamwe havaiti. Vamwe vachavhara mamiriro ezvinhu akambovapo chete kana iwe ukatenga mutemo wako mukati mehuwandu hwapera mushure mekubhadhara rwendo rwako.
Kana uri kutora rwendo rwemitambo-rwunofambisa kana rwendo, tsvaga mutemo unobatanidza kufamba kwemafarisi uye kukuvara kwemitambo. Vakawanda inshuwarisi yekutambira havazobhadhara nekuda kwekukuvara kwepamusoro.
Verenga iyo yose mutemo. Usavimba pane tsanangudzo yemumwe munhu wekugovera. Kana iwe usinganzwisisi izvo zvakafukidzwa uye zvisingaiti, bvunza mibvunzo usati watenga.
Kunyange zvazvo inshuwarisi yekufamba isingabhadhari - inogona kuwedzera zvakapetwa gumi pamutengo wekufamba rwendo rwako-inogona kukupa rugare rwepfungwa uye kupa rubatsiro rwemari kana chimwe chakaipa chikaitika.