Izvo zvakaderera kushandiswa kwekutsvaga zvinogona kuguma nekuchengetedza kukuru pasi pemutsara
Kune vafambi vazhinji, mubvunzo wekufambiswa kweinishuwarenzi inosvika kune zvinhu zvitatu: mari, mararamiro, uye kuti kufamba kwavo kunogona kuchinjwa sei nemamiriro epasi rose. Zvisinei, izvo vafambi vakawanda vasingatarisiri ndezvokudya kwekurwara kana kukuvadzwa kune imwe nyika.
Vakawanda vafambi vanodzidza zvakanaka nezvevamwe vanogara vachifambisa inishuwarenzi, kusanganisira kuregererwa kwekufamba, kuenda kunonoka, uye kutakurwa kwemitoro . Vakawanda vanofambira vanovimba nehurumende yemaifambisi ekufambisa kare inopiwa kuburikidza nemakadhi avo emari. Mune mamiriro ezvinhu aya, izvo zvinowanzokwekwekwa ndezvokuchengetwa kwehutano kunobatsira nehutano hwekutambira inshuwarisi. Pasi peurongwa hwakarurama, mufambi anogona kuvharwa nekuwira achirwara kunze kwenyika, achikuvadzwa mune imwe njodzi, kana kunyange achida imba yekukurumidza kubuda.
Usati wagadzikana nemutemo wekurapa, iva nechokwadi chokuti unoziva mari yekufambisa inishuwarenzi zvichienderana nebhadharo rekuchengetedzwa kwechipatara pasi rose. Hezvino izvo zvaungapedzisa kugadzirira kushandisa kana rwendo rwako runotevera runopera muimba yekukurumidzira.
01 of 06
Avhareji Yezvokufambisa Inishuwarenzi: $ 263.48
Asbe / Creative RF / Getty Images Maererano neAmerican Express 2016 Kutengesa uye Kuchengetedza Tracker muongorori, vana vevashanu veAmerica vachatora rimwe zororo rezhizha gore rino. Pakati pavo, inenge chikamu chechina chichava kunze kwenyika pane imwe yeizororo. Ivhareji yenhanho yeurwendo inonzi $ 948 pamunhu mumwe nomumwe, kuunza tabha yemhuri yevana kusvika ku $ 3 792.
Kunyange zvazvo mutengo wehutano inshutera inogona kusiyanisa kubva pane zvimwe zvinhu, inshuwarisi broker InsureMyTrip inofungidzira kuenzanirana nekufambisa inishuwarenzi inofanirwa kunodhura pakati pechina negumi muzana yemari yekufamba. Pamutengo wepakati pezana wezana, chikamu cheshuwarisi yekufamba yehutano yemhuri yevana inofanira kudhura madhora 263.48.
Kunyange zvazvo ichi chiri chiyero chekuenzanisa, mari chaiyo yehutano yehutano inofanirana ichasiyana pakati pevanopa uye mune zvimwe zvikonzero. Izvi zvinogona kusanganisira nguva yevafambi, kureba kworwendo rwavo, uye nyika dzavo dzinosvika.
02 of 06
Mutengo weAmbulance Kutakura: $ 434 kana kupfuura
Getty Images / PNC Hazvina mhosva kuti tinoenda kupi munyika, njodzi uye mamiriro ekurapa zvinogona kuitika. Kunyange zvazvo vamwe vafambi vanogona kuziva mamiriro avo ezvinhu uye kuzvitakura ivo pachavo kutarisira, vakawanda vanogona kunge vasina kukwanisa uye vanoda rubatsiro. Mumamiriro ezvinhu aya, vafambi vanogona kutarisira ambulensi kuti ivatakure kuchipatara.
Kunyange zvazvo mari yei ambulensi muUnited States yakave yakanyorwa zvakanyanya, ambulance inodhura inopota-pota nenyika. Mune dzimwe mamiriro ezvinhu, akadai seIreland, vafambi vanozoendeswa kune imwe nzvimbo yepamhanho vangave vasina mhosva yebhadharo remakambani avo. Mune dzimwe nzvimbo dzenyika, dzakadai saSingapore, kutakura kwemaambumba kunogona kutengesa madhora mazana mana namakumi mana, zvekufamba kubva kuchipatara kuenda kune imwe nzvimbo yepamhanda yepamhanda yepamhanda yepamhanda yepamhepo.
Kunyange zvazvo dzimwe nzira dzokufambisa dzinofanirwa hurumende dzakavharwa muUnited States pasi pe inshuwarhu yehutano, vazhinji vanowanzogovera inshuwarisi-kusanganisira Medicare - havazofambi vanofamba kunze kweUnited States. Saka, pasina inshuwarisi yekufambira, vanofambisa vanogona kumanikidzwa kubhadhara ivo pachavo.
03 of 06
Mari Yezvipatara: Kusvikira $ 1,742 pazuva
Keith Brofsky / Digital Vision / Getty Images Muna 2015, dhipatimendi reDhipatimendi reDhipatimendi reHurumende rakabudisa vanopfuura 900 vaAmerica vakaurayiwa kune dzimwe nyika, pamwe nevakawanda veavo vanouraya vachibva mumatambudziko emigwagwa, kunyura, uye zvimwe zviitiko zvakakonzerwa . Kune avo vakaurawa, kune vazhinji vakawanda vanoda chipatara kugara kuti vakunda chirwere kana kukuvara. Kunyange zvazvo pasina munhu anoronga kushanyira kuchipatara kune dzimwe nyika, njodzi isina kutarisirwa inogona kudhura vafambi kwenguva refu.
Maererano neThe Washington Post , avo vasina inshuwarisi yekufambisa vanogona kutarisana nemari yepamusoro yezuva rimwe nerimwe vari muchipatara. MuAustralia, zvipatara zvinogona kukwana madhora 1,742 pazuva, asi nzvimbo iyoyo inogona kudhura $ 700 muFrance neNetherlands.
Pasina kufamba mainishuwarenzi, Hurumende inonyevera kuti vanofambisa vane basa rekuvhara zvose zvezvavanoshandisa muchipatara. Kunyange zvazvo hurumende inogona kubatsira vanofambisa kuronga kuti mari iendeswe kubva kumba, havagoni kuvimbisa kubhadharwa kuchipatara, uye havagoni kutaurira vafambi kune chiremba kana kutumira chiremba kubatsira vanofamba mukutambudzika .
04 of 06
Mutengo weMRI kana CT Scans: Kusvikira $ 1,072 per scan
Huru Zvifananidzo / Creative RF / Getty Images Kune avo vanoda kunyanya kuongororwa kwepamusoro nekuda kwekukuvara mukati, chiremba anokwanisa kupa MRI scan - pfupi ye maginiti resonance imaging. Chimwe chinyorwa chinozivikanwa ndeyekombiyuta inonzi tomography, kana CT Scan. Kunyange zvazvo zviyero izvi zvinogona kuumba zvakajeka zvifananidzo zvemuviri womunhu, zvinogona kuuyawo nepamutengo mukuru.
Maererano neshumo yeWashington Post , MRI inogona kudhura $ 1 000 kune imwe nyika. Nyika inodhura zvikuru yeMRI inoongorora South Africa, inoteverwa neSwitzerland, New Zealand, Chile, neFrance. Munyika yeEurope, iyo MRI inodhura yakawanikwa muSpain, pamusana wekutenga $ 230.
CT Scans inouyawo pamutengo mukuru kwazvo zvakare. Iyo pepanhau yakawana mari inodhura yemudumbu CT Scan muZouth Africa neSwitzerland, yaive inodarika madhora mazana mana, paavhareji. Dzimwe nzvimbo dzose dzakaongororwa muEurope, kusanganisira The Netherlands, France, neUnited Kingdom, vose vakapa madhora madhora 150 neCCT Scan.
Kunyange zvazvo zviyero izvi zvingave zvichiponesa upenyu, zvinouyawo nemutengo. Iva nechokwadi chekutarisisa kana hurongwa hwako hwehutambisi huripo huchavhara miedzo iyi kana zvakakodzera kuti chiremba chidikanwe nachiremba.
05 of 06
Mari Yekuongororwa Kwekutevera: Inopfuura $ 30 Pose Mushanyi
Adam Berry / Getty Images Nhau Pazviitiko zvose izvo mufambi anogona kupinda mune imwe nyika kunze, kuona chiremba kushanya kwehofisi kungangodaro mari yakakwana yavanokwanisa kuwira. Mune dzimwe nyika dzakaongororwa munyika yose neThe Washington Post , kushanya kwehofisi kunodhura kunodhura vagari vemadhenari $ 38 paavhareji muChile.
Zvisinei, zvakawanda zvakadai muUnited States, kuwanikwa kwechiremba kunogona kusiyana-siyana munyika yose. Uyezve, kukwanisa kuona chiremba pamusana wekutengo kungave kwakaoma, pamusana pemitemo yemitauro uye mahofisi ehofisi. Nhume yekumunharaunda inogona kugara ichibatsira vafambi kuwana chiremba, asi inishuwarenzi yekufambisa inogona kubatsira kubatsira vanachiremba vanozobvuma mitemo yavo sekubhadhara, kana kuvimbiswa kwekubhadhara.
06 of 06
Mutengo weAmbulance Air: $ 10 000 uye pamusoro pekubuda kwega
Paul Nelhams / Flickr / CC BY-SA 2.0 Pakupedzisira, mufambi wega wega anorota kudzokera kumusha mumakamuri ekufambisa yendege yavo ye ndege - kwete mberi kwekambani yemhepo yepamusoro. Avo vanosangana nekukuvadzwa kwakakomba kune dzimwe nyika vangada kudzokera kune imwe nzvimbo mumhepo yakanyatsogadzirirwa ambulensi, inokwanisa kupa hupenyu huripo kubva kuchipatara chemufambi kuenda kunyika yavo.
Kutasva mumhepo inotyisa haisi yekutengesa, pamba kana kune dzimwe nyika. Mune imwe nyaya yakabudiswa neThe New York Times , mutauriri weChishanu yeAir Medical Services akafungidzira kuti muyengo wekambani yemhepo inenge iri $ 10 000 kana kupfuura. Pasina kodzero yekufambisa inshuwarheni, mutambi angamanikidzwa kubhadhara mari iyo mberi , asati adzokera kumba akapinda mumhepo ambulense.
Paunotarisana nechisarudzo chakakosha chekushandisa mhepo yeguruvhisi yemhepo, iva nechokwadi chekutaura nehupenyu hwehutano inshumo kutanga uye mberi. Kunyange zvazvo inshuwarisi yevashandi vanofamba vasingagoni kupa rubatsiro mushure mechiitiko , kutenga inshuwarisi yekufambisa mushure mokubva kumusha kunogona kuvimbisa kuti vanofambidzana vanovharwa muitiko rekukurumidza.