Umshuwalense wabahambi phesheya: ukubuyekezwa, ukulinganisa kwezinkampani

Labo abavame ukuhamba ngaphandle kwezwe bayazi ngokuqinisekile ukuthi ukuklama inqubomgomo yomshuwalense akuyona inkinga, kodwa isidingo esinzima. Phela, umhambi uhamba endaweni yakhe ejwayelekile, futhi inqubomgomo izomsiza azizwe ephephile kwelinye izwe. Iyiphi ikhava yomshuwalense wokuhamba? Ukubuyekezwa kakade kukhishwe umshuwalense onjalo, okuyiqiniso, kuzosiza ukwenza okulungile. Kodwa akusikho indawo ukuze ufunde ngokuningiliziwe ukuthi yiziphi izici zalolu hlobo lomshuwalense okufanele zinikezwe nokuthi ngabe lokhu "injabulo" kuyobiza kangakanani.

Izici zomshuwalense "wangaphandle"

Ukuhamba uhambo, khumbula: ayikho izwe emhlabeni elingeke likuvumele uma ungenayo inqubomgomo yomshuwalense. Leli dokhumenti eliqinisekisa ukuthi uma kukhona okwenzeka kuwe kwelinye izwe, izinsizakalo zokuthutha kanye nosizo lwezokwelapha olufika ngesikhathi kuzonikezwa kuwe ngokushesha futhi ngokugcwele. Ngakho-ke thobezela ukuthi umshwalense wokuhamba phesheya ungumsebenzi onzima, ngisho noma uqinisekile ukuthi akukho okuzokwenzeka kuwe, uzodinga ukuhlela inqubomgomo.

Ama-insurances ahlukile, futhi izindleko zabo kuxhomeke ezintweni eziningi. Ngakho-ke, ngaphambi kokuthi ukhokhe "igazi" lakho kwinkampani ethile, udinga ukutadisha ngokucophelela izimo ezihlongozwayo.

Izingozi zemishuwalense

Zonke izinqubomgomo ezinikezwa izinkampani zomshuwalense zingahlukaniswa ngamaqembu amabili amakhulu - ukhetho olujwayelekile kanye neklasi elite. Umehluko ukhona ekuphelelweni kwezinto ezithintekayo.

Esikhathini sephakheji ejwayelekile uzonikezwa:

• Ukubuyiswa kwezindleko zokunakekelwa okuphuthumayo uma kwenzeka umcimbi onesiqinisekiso;
• Ukuthutha kwamahhala esibhedlela esiseduze, futhi, uma kunesidingo, ukulethwa kwesiguli ezweni lokuhlala unomphela elihambisana nabasebenzi bezokwelapha;
• Ukuhlinzekwa kwezinsizakalo zezokwelapha kusayithi (ezweni elibambe iqhaza), ukwelapha iziguli, ukuhlala esibhedlela uma kunesidingo;
• Ukubuyisela izindleko zemithi enqunyiwe udokotela oya khona;
• Izinsizakalo zamazinyo eziphuthumayo;
• Ukubuyiselwa kwabase-insured lapho kwenzeka ukufa kwakhe.

Ngaphezu kwazo zonke amaphuzu angenhla, isethi "elite" engozini yomshuwalense ingabandakanya:

• Buyela ekhaya futhi ubuyisele amathikithi ezimweni eziqashelwa njengomcimbi womshuwalense;
• Ukuqedwa kokuqala kohambo lapho kwenzeka ukufa kwesihlobo esiseduze, ukubuyisela izindleko zamathikithi ngokwezindleko zenkampani yomshuwalense;
• Vakashela ku-insured yinye yezihlobo (amathikithi asezindleko zomshuwalense) uma kwenzeka uhlala esibhedlela ezweni elingakapheli izinsuku ezingu-10;
• Ukulethwa endaweni yokuhlala unomphela yezingane (kuze kube yiminyaka engu-16) yomuntu obhekene nesibambiso ehambisane nesisebenzi senkampani kulawo maqiniso lapho inshuwalense igcinwe esibhedlela izinsuku ezingaphezu kwezingu-10;
• Umshwalense wengozi owengeziwe;
• Ukubuyisela ezinye izingozi ezihambisana nohambo - ukulahlekelwa kwemithwalo, izinsizakalo zommeli, ukuxoshwa ehhotela ngesizathu esithile nabanye.

Sicela uqaphele ukuthi umshuwalense wabesifazane abakhulelwe abahamba phesheya futhi kaningi abafakiwe kwisethi ejwayelekile yezinsizakalo futhi bakhokhelwa ngokungeziwe. Futhi, izingozi ezengeziwe zikhokhwa ngezinhlobo ezidlulele zokuzilibazisa.

Inani lokufaka umshwalense

Ukuqinisekisa umshuwalense wokuhamba phesheya kwakuyikhwalithi ephakeme kakhulu futhi ekwazi ukufaneleka, kubalulekile ukukhumbula imininingwane eyodwa ebaluleke kakhulu, okungukuthi, inani eliphelele lemali yesinxephezelo semonakalo.

Le nkomba incike lapho uya khona. Emazweni ase-Schengen, le mali kufanele ibe sezingeni lama-euro ayizinkulungwane ezingu-30. E-Moldova, e-Ukraine naseBelarus, lapho, njengoba wazi, izinsizakalo zezokwelapha zithengeka kakhulu, imali engama $ 15,000 ingaba yanele. Kodwa uma uya emazweni lapho umuthi obiza kakhulu, isibonelo, eJapane, e-United States, e-Australia noma eCanada, kufanelekile ukuwenza umshuwalense okungenani ama-dollar ayizinkulungwane ezingu-50-70.

Ngokusekelwe ezindlekweni zemithi ezweni elithintekayo, ababheki besikhwama ngokuvamile baqoqa iziphakamiso zabo kanje:

• Amazwe aseSchengen;
• Amanye amazwe aseYurophu;
• I-CIS ithi;
• IGibhithe;
• I-Turkey;
• Izwe lonke (ngaphandle kweCIS, Australia, Japan, Canada kanye namazwe);
• Umhlaba wonke.

Ubudala

Omunye umgomo lapho umshuwalense wokuhamba uhlukaniswe khona unyaka we-insured. Kuye kule nkomba, izinkampani zihlanganyela amakhasimende azo kanje:

• Kuze kube unyaka;
• Iminyaka engu-1-3;
• Iminyaka engu-4-15;
• Iminyaka engu-16-64;
• Iminyaka engu-65-75;
• Eminyakeni engaphezu kwengu-75.

Kuyaphawuleka ukuthi kusukela ekuqaleni kuya kwesine iphuzu lemali yomshuwalense incishisiwe, futhi kusukela ngohlanu, landa kakhulu. Inani elincane lezinsizakalo zenkampani yomshuwalense lizokhokhwa ngabahambi abaneminyaka engama-16 kuya kwengu-64, kodwa abantu abangaphezu kuka-75 kuzodingeka baqede.

Kuyini umsizi

Iphuzu elibaluleke kakhulu kulolu daba njengomshuwalense wabahambi phesheya ukutholakala kwenkampani yosizo ezweni elithathiwe. Kusho ukuthini lokhu?

Usizo ngumlingani wenkampani yomshuwalense wendawo, okuzokunakekelwa ezweni elibanjwe. Uma kwenzeka okuthile eholidini kanye nawe, bese unikeza ukunakekelwa kwezempilo, ukuya esibhedlela, ukukhokhela imithi nokunye konke okukhathazayo. Ngakho uma ukhetha umshuwalense, unake nje kuphela ukuthi unomlingani wangaphandle, kodwa nokuthi kungenzeka ukuthi unikeza lo mlingani ofanayo noxhaso lwama-Russian.

Uma umshuwalense wakho ungenayo usizo, kuzodingeka uxazulule zonke izinkinga ezweni langaphandle ngokuzimela. Yebo, uma unolwazi olululwazi lolulimi nolwazi oluqinile lwemali yamahhala. Futhi uma kungenjalo? Ukubuyisela izindleko zezindleko zakho ongathola kuphela lapho ufika ezweni lakini, ngisho nangabe-ke uma unganikela ngemibhalo evela ezikhungweni zezokwelapha zakwamanye amazwe nazo zonke izimpawu ezifanele nezibhalisi.

Intengo yomshuwalense - kuxhomeke kuphi?

Njengoba sesichazile kakade, intengo yenqubomgomo ingathembela ezinkomba eziningi - ukusakazwa kwezibalo kukhulu kakhulu. Konke kuxhomeke kunjani uhlobo lwezingozi ozifunayo, ukuthi uneminyaka emingaki nokuthi uya kuphi. Futhi intengo yomshuwalense ithinteka ukutholakala nokuthi "ukupholisa" kwenkampani yosizo kanye nemigomo yohambo.

Ngaphezu kwalokho, intengo yenqubomgomo ithonywe kakhulu ngenhloso yohambo: uma ulindele ukulala ngaselwandle ngokuthula - lokhu kuyinto eyodwa, futhi uma uhlela ukuzuma nge-parachute noma nge-snowboard ride-nakwezinye. Enye iphuzu lapho izindleko zenqubomgomo zixhomeke khona ukutholakala kwe-franchise, okungukuthi, inani (elincane) ukuthi inkampani yomshuwalense ngeke imboze. Isibonelo, uma unesi-franchise esilinganisweni samaRandi ayizigidi ezingu-500, futhi izindleko zokwelapha ezingu-499, ke akekho oyobuyisela noma yini kuwe.

Ngayo yonke lezinkomba, izindleko zomgomo womshuwalense wezivakashi zingashintsha kusuka ezinkulungwaneni eziyizinkulungwane zamashumi ezinkulungwane zamaruble.

Umshuwalense wabahambi phesheya - ukulinganisa kwezinkampani, ukuthi kuthinta ukuthini

Ukuya phesheya futhi ufune inkampani ongayithenga ngayo inqubomgomo, kubalulekile ukugxila kuphela ekuqinisekiseni nasekulu. Emafemu amancane, Yebo, umshuwalense ungadla imali eyi-penny, kodwa futhi futhi usizo lwangempela oluvela kubo, uma kunjalo, awunakwenzeka ukulinda.

Ngakho-ke, unqume ukukhipha umshuwalense wokuhamba phesheya. Ukulinganisa izinkampani zomshuwalense ezihola kule ndawo kuzokusiza. Ukuhlaziya imisebenzi yabaningi babo, ungenza ngohlu olunjalo:

• "Umshuwalense we-INTOUCH".
• "UJasco."
• Ingosstrakh.
• "RESO-Garantiya".
• I-SC "PPF Life Insurance";
• Sberbank;
• "VSK".
• I-Sogaz.
• "VTB."
• I-Rosgosstrakh.
• Uralsib.

Yiqiniso, lolu hlu luyingqayizivele, umthengi ngamunye angazakhela, futhi uyobe eqinisile. Ngamunye wabo unamaphutha kanye nezinzuzo zakhe. Isibonelo, ukuhamba ngomshuwalense ngaphandle kweSberbank (njengezinye izinkampani eziningi) kunikezela ukufaka isicelo ngaphandle kokushiya ikhaya lakho, usebenzisa isevisi kuwebhusayithi yenkampani.

Indlela yokunquma umshuwalense omuhle

Okokuqala, kufanelekile ukuvakashela ihhovisi lehlangano ekhethiwe futhi uqiniseke ukuthi inkampani inezo zonke izimvume namalayisense ilungelo lokufeza lolu hlobo lomshuwalense.

Cwaninga ngokucophelela uhlu lwezinsizakalo ezinikezwa - ngokubanzi, kungcono. Khetha uhlu lwezingozi ezikuhle kuwe, kodwa ungakhathazeki ngokuhluleka. Kuyoba ukuthuka uma kukhona okwenzeka kuwe ukuthi umshuwalense awufihli. Kulesi simo, akufanelekile ukulinda ukukhokhelwa kwezindleko.

Fundisisa kahle inkontileka, ikakhulukazi lezo zindawo kulo, ezibhalwe ngokuphrinta okuncane. Unganqikazi ukubuza umphathi imibuzo eminingi - kufanele uqonde ngokucacile lokho ongayilindela uma kwenzeka okuthile kuwe.

Khetha kuphela umshuwalense omkhulu ohloliwe, ikakhulukazi uma uhlela uhambo olude. Uma inkampani encane-eyaziwayo yosuku olulodwa phakathi nohambo lwakho isonakalisiwe futhi iphela, ungalindela inkinga enkulu.

Phinda futhi, cabanga ngokuhleleka kokukhipha inqubomgomo uma inkampani ingenawo umlingani kulelizwe elihlongozwayo. Khumbula: inqubomgomo yomshuwalense wekhwalithi iyokuvumela ukuba uzizwe uphephile ekhaya.