Kuyenda inshuwalansi ya umoyo kungathandize ngati mukufunikira kusamalidwa kunja
Nkhaniyi inalembedwa ndi David Fischer.
Inshuwalansi ya inshuwalansi ndi ndondomeko yapadera yokonzera ndalama zothandizira kuchipatala mukadwala kapena kuvulala paulendo. Funso lodziwika kwa iwo omwe sali kuyenda nthawi zambiri ndilo ngati inshuwalansi yaulendo ndi yofunikira.
Kuyenda inshuwalansi ya umoyo ikukuphimba iwe kwa nthawi yochepa yokha, ndipo nthawi zambiri imagulidwa ku maulendo akunja.
Kaya mukufunikira inshuwalansi ya umoyo woyendayenda pamafunika kuti mukuganiza kuti mukufunikira chithandizo chamankhwala paulendo wanu, komanso kuti mudzatha kulipirira ngati mukufunika kutero.
Kwa anthu ambiri - makamaka kwa anthu omwe ali okalamba, adziwa zochitika zachipatala kapena akupita kudera losauka - yankho mwina ndilo inde. Ndicho chifukwa chake:
Kuchiza kwa Chithandizo Chamankhwala Chamayiko akunja
Musanapite ku inshuwalansi yaulendo, yang'anani inshuwalansi yanu yapamwamba. Makampani ambiri adzalipira zomwe akuzitcha ngati "mwambo wodalirika" wothandizira odwala ngati mukufunikira kusamalidwa kudziko lina, zomwe zikutanthauza kuti simusowa kufotokozera mtundu woterewu paulendo woyendayenda.
Samalirani kwambiri zomwe sizinalembedwe mu ndondomeko yanu. Ambiri a inshuwalansi sangathe kulipira kuti mutuluke kudziko lachilendo kuti mupite kuchipatala. Boma la United States linanena kuti kuchoka pamtunda kungawononge ndalama zoposa $ 50,000.
Ngati sizingatheke kuti mutha kulipira - kapena mukufunitsitsa kulipira - chifukwa cha zinthu zosavuta komanso zosadziwika ngati ngozi ya galimoto, mwachitsanzo, mungathe kugula inshuwalansi yowonjezera.
Mawebusaiti oyendayenda amapereka njira yoyerezera mitengo ndi kufotokoza kumene amaperekedwa ndi othandizira osiyanasiyana.
Kampani imodzi yodziwika bwino komanso yodziwika bwino pa inshuwalansi yopita ku intaneti ndi USI Affinity Travel Insurance Services. Webusaiti ya kampaniyi imapereka ndondomeko yabwino ya mtundu wa inshuwalansi yaulendo yomwe ilipo komanso momwe mapulani osiyanasiyana amafunira.
Travel Insurance Inshuwalansi kwa Anthu Akale
Anthu achikulire ayenera kunyalanyaza - Medicare salipira kuchipatala kapena kuchipatala kunja kwa United States. Izi zikutanthauza kuti mudzakhala nokha pokhapokha mutakhala ndi othandizi ena a inshuwalansi kapena mugule ndondomeko yoyendayenda.
Ndondomeko zina za Medigap ndi madongosolo a Medicare Advantage amapereka chithandizo chakumadzulo kwadzidzidzi pamene mukuyenda kunja kwa US Musanapite kunja kwa dziko, funsani ndondomeko yanu yowonjezerapo kapena mapulani omwe mungapindule nawo paulendo woyendayenda.
Ngozi za Matenda
Kuyenda kunja kwa anthu akunja kungakhale kovuta kwa aliyense, kupatsidwa kusintha kwa kukwera ndi nyengo, ndi kupezeka kwa tizilombo toyambitsa matenda. M'madera ena a dziko lapansi, khalidwe losavomerezeka la madzi ndi ukhondo ndizoopsa.
Dipatimenti ya Boma limalimbikitsa kuti aliyense amene ali ndi matenda omwe alipo kale , kuyambira ku vuto la mtima kupita ku matenda, atenge kalata kuchokera kwa dokotala yemwe akulongosola chikhalidwe, chithandizo chake, ndi mankhwala alionse omwe akugwiritsidwa ntchito, mayina.
Mankhwala ovomerezeka ayenera kunyamula m'makina awo oyambirira ndi malemba awo apachiyambi.
Zomwe Zimayambitsa Matenda ndi Kupewa Matenda (CDC) zimapereka chithandizo pa ma katemera omwe amayenera kupita ku mayiko akunja komanso zinthu zomwe zingakhalepo m'mayiko amenewo.
Ngati inu mukudwala pamene inu muli kudziko lina, abusa a ku America adzakuthandizani kupeza chithandizo chamankhwala omwe mukusowa ndikuthandizani kukonzekera kubwerera ku US. Muyenera kulipira ngongole, komabe, onetsetsani kuti mutenge khadi lanu la ndondomeko ya zachipatala komanso kutsimikiziridwa kwa ndondomeko yanu yoyendera, ngati mukufuna kugula.
Gwirizanitsani ndi Inshuwalansi ya Zaumoyo ndi Travel Insurance
Kuwonjezera pa inshuwalansi ya umoyo wathanzi, mungafunike kuganizira za inshuwalansi zaulendo zomwe zimaphatikizapo inshuwalansi ya zachipatala ndi kuwonetsetsa kuti muteteze ulendo wanu. Zinthu ngati katundu wotayika, kukwera ndege, kukwera ndege kapena hotelo yosokoneza bwenzi kungasokoneze ulendo wanu. Pogwiritsa ntchito inshuwaransi yanu yothandizira, inshuwalansi yaulendo ingakupatseni chithandizo cha inshuwalansi, zomwe zingakhudze zonse kapena zina.
Musaiwale Mankhwala Anu!
Ngati mukufuna kupita kudziko lachilendo, nkofunika kuti mupereke zosowa zanu musanatuluke. Matenda pakati paulendo wanu angasokoneze tchuthi lanu ndipo amawononga ndalama kuti mupeze mankhwala oyenera.
Musanayambe ulendo wanu, onani dokotala kuti adziwe mankhwala anu onse a mankhwala. Komanso, lankhulani ndi dokotala wanu za kusintha kwanu pa nthawi ndipo funsani nthawi yoti mumwa mankhwala ngati mukuyenda kudutsa nthawi zosiyanasiyana.