Travel inshuwalansi: zikalata kuti kalembera ndi ndemanga za kampani ya inshuwalansi

Kupita pa ulendo lina kwinakwake, kutali ndi aliyense wa ife amaganiza za mavuto zotheka kuti chingachitike. Kumeneku kukutanthauza kuti zazing'ono nkhani zoweta, ndi matenda, mavuto malamulo, imfa ya katundu ndi kuchedwa yaitali ndege.

Thandizani kupirira mavuto onse ankafuna kuyenda inshuwalansi, amene mwamphamvu analangiza kuti atenge aliyense amene amayenda kunja, kaya kutalika kukhala. Komabe, pamaso inu motsatira malamulo, ayenera kuphunzira pang'ono zinthu zofunika kwambiri.

Kodi ndifunika kudzapereka mgwirizano?

"Chitani zonse inshuwalansi zofunika?" - kuti funso ngati liukitsidwa ambiri akufuna kupita kudziko lina. Ine ndiyenera kunena, umboni ali chiyani, koma iwo akutsatira amakhulupirira kuti kale chirichonse chinali bwino - kanthu zidzachitika ulendo wotsatira.

Palibe aliyense kuwopseza aliyense, koma kuganizira zimene zingachitike ngati inu Mwadzidzidzi Akufunika ndipo mwamsanga thandizo kuchipatala - Ndipotu kunja (osati West, komanso m'mayiko ambiri Asia) amalipiritsa zachipatala ndipo ndi okwera mtengo kwambiri, ndi kuchitira inu kumeneko kwaulere, palibe amene adzatero. Ndipo ngati inu nokha zinthu pamene muli kulipira zinawonongedwa lachitatu maphwando? Ndipo chabwino, ngati pali mwayi kulipira ndalama zambiri. Inde, ngakhale ngati mudzakhala - amene amakonda polekanitsa ndi magazi awo?

Kupita kudziko lina, iwo mwamphamvu analangiza kuti atenge inshuwalansi kuyenda. Ngakhale ngati si chofunika kupeza chitupa cha visa chikapezeka - "airbag" mu malo oyamba nokha.

Amatha mfundo

Standard Travel Insurance amapereka reimbursement kwa:

• chisamaliro ngozi zachipatala;
• mano;
• udindo yapachiweniweni lachitatu maphwando;
• ngozi;
• Kulipira / ndege kuchedwa;
• katundu imfa.

Dziwani: Madongosolo ndondomeko zilizonse yekha Mfundo yoyamba la kuphimba ndalama kukachitika kuti mwachangu chithandizo. zinthu zonse otsala mulimonse ali optional ndipo mwina kwina mndandanda. Komanso pali zina zimene mungachite anapereka kampani inayake, mwachitsanzo, inshuwalansi umayi, anapita kudziko lina. Kulongosolerana ndendende zimene ndalama ndi recoverable, kuwerenga pangano anamaliza.

Mwa njira, makamaka sayenera kuonetsetsa mfundo ananena apa, kaŵirikaŵiri otchedwa kampani "yogwira masewera". Akamanena za chiopsezo ichi kuti, ngati akupezeka wanu inshuwalansi mgwirizano , mudzatha kuti modekha kuthana ndi masewera zoopsa (kutsetsereka, snowboarding, mafunde, atakwera njinga ndi zina zotero. P.), kukhala otsimikiza kuti inu siyidzabwezedwa ndalama mankhwala ngati inu modzidzimutsa ndikuyipha kuonongeka chifukwa cha zinthu izi. Choncho, ngati ndinu kutsatira za ntchito panja, onetsetsani kuti monga katunduyo mu inshuwalansi ake!

inshuwalansi mbali ya phukusi alendo

Posankha malo kupyolera bungwe kuyenda, inu ndithu anapereka utumiki monga "inshuwalansi la alendo anapita kudziko lina." Komanso, phindu lake adzaphatikizidwa chonse cha kusakhulupirika, makamaka pankhani ulendo dzikolo kulowa mu kukhalapo kuti mfundo zofunikira.

Komabe, sikuti nthawi zonse ndi khalidwe la inshuwalansi izi zikhoza kuganiziridwa zogwira mtima. Komanso, nthawi zambiri inakhazikitsa kokha chifukwa cha mwambo, ndi kutchulidwa mgwirizano malipilo angakhale ang'ono kwambiri.

Ndicho chifukwa chake ife angakupatseni malangizo - ngati muli ndi mwayi ntchito ndi inshuwalansi chachiwiri, ali "yekha".

Chiwembu cha ntchito

Kumvetsetsa mmene zachipatala inshuwalansi kuyenda, kodi kamodzi kwa nthawi zonse kukumbukira axiom: kampani imene mgwirizano, palibe amachitira, kukambirana ndi zipatala ndi madokotala, ndipo ambiri njira iliyonse sadzakulepheretsani aya zitachitika operekedwa ndi mgwirizano.

Insurance kampani - yekha mkhalapakati pakati pa inu ndi m'gululo (thandizo). Ndipotu amagulitsa ntchito thandizo kwa inu. Thandizo, nayenso ali nkhoswe pakati pa iwe ndi kuchipatala kapena dokotala. Kuti iye adzakhala mu kukhudza ngati chinachake ndi kutumiza chikhazikitso zachipatala mu dziko makamu, ngati inu chithandizo chamankhwala.

Kusankha wa kampani

Mwachidule, amene pakokha yekha inshuwalansi kampani popanda ntchito thandizo adzakhala wachibadidwe cholakwika ndi woopsa. Monga akhoza kumva kuchokera pamwamba, udindo wa zeze loyamba kufika ndi kuisewera iyo nkhoswe chachiwiri. Choncho, posankha kampani inshuwalansi woyamba mudziwe mmene ntchito ndi Thandizo.

Onani kuti Makampani zimasintha zibwenzi nthawi, choncho onetsetsani za kufunika kwa mfundo munalandira. Iwo akhoza ntchito ndi Thandizo ziwiri kapena zambiri nthawi imodzi, mu nkhani iyi, pamene kukafola mgwirizanowo, onetsetsani kuti mudzakhala ndendende mkhalapakati, chimene inu ankafuna.

Komabe, inshuwalansi sichitha yofunika ya "loyamba lomwe" anakhazikitsa kukhudzana pakati kasitomala wake ndi thandizo, ndipo nthawi zambiri kuchepekela otsiriza chigamulo zabwino mokomera kasitomala wake. Choncho ndikofunikira kuti atchule kampani pa kasitomala ndemanga zinachitikadi. Izi "Kuvomereza", "Medexpress" FAC, "Liberty", a Allianz, "Kubadwa Kwatsopano." Pakuti aliyense wa iwo, mwanjira ina mudzapeza ndemanga zoipa, koma ichi ndi choona pa gulu lirilonse - ngakhale yabwino.

A pang'ono Thandizo

The odziwika bwino kwambiri ndi wolemekezeka am'derali la International-SOS, Mondial, Maphunziro, AXA, Coris. Aliyense wa iwo akhoza kukhala pachikhalidwe amphamvu mu makamaka dziko, kuwonjezera, aliyense akhoza kukhala ndi makhalidwe awo mu ntchito yawo.

Mwa kuphunzira funso limeneli inshuwalansi kuyenda, mudzapeza ndemanga kuti mayiko-SOS - thandizo yodalirika, inali kuchuluka waukulu wa ndemanga zabwino za mgwirizano wa. Ndithudi, mitengo pa mkhalapakati anasankha pang'ono apamwamba, koma Mulimonsemo, ndi zingati zomveka kuti bata.

Ena a magulu awa utumiki amagwiritsidwa ntchito pa mlingo mkulu, ndi kwa iwo n'zotheka amadalira, ngati mutsatira malamulo onse zafotokozeredwa mgwirizano.

Ndi ponena za Thandizo GVA ofunika. Iye chotchuka kwambiri pakati inshuwalansi - Co-ntchito ndi makampani ambiri, koma ndemanga kwambiri negative. Komabe, ena muno ndi kusankha njira chifukwa cheapness ake.

Kuchuluka Kuphunzira

Pafupifupi mgwirizano inshuwalansi iliyonse kumafuna kupereka ndalama zina pamene inshuwaransi chochitika malire. Zodula kwambiri mfundo zanu, lofunika kwambiri siyidzabwezedwa ndi kampani. Yesani kutsimikiza kuposa china kuchuluka!

Visa malamulo dziko makamaka angalole ndi inshuwalansi kuchuluka kwa madola 20-30 thousand (tikulankhula za kuchuluka Kuphunzira kwa chithandizo). Komabe, ngati mukufuna inshuwalansi yawo "mwachiphamaso" Ndi bwino kutsimikiza wambirimbiri - osachepera 50 madola zikwi ndi pamwamba. Zimenezi ndi zoona makamaka kwa maulendo ku Ulaya ndi United States, kumene chithandizo kungakhale kwambiri, okwera mtengo kwambiri.

Kuyesetsa kusankha inshuwalansi popanda deductible - kutanthauza popanda chikhalidwe cha malipiro palokha mosayembekezera ndalama osati choposa kuchuluka zafotokozeredwa mgwirizano.

Model Malamulo Insurance anapita kudziko lina

Inde, makampani - zikhalidwe zake ndi makhalidwe a inshuwalansi ndipo, ndithudi, pamaso kusaina mbali onsewa anafunika kufukulidwa. Komabe, pali ena zinthu muyezo umene ntchito lonse zimenezi.

Choyamba chikukhudza matenda aakulu. Palibe inshuwalansi nzika anapita kudziko lina, sasamalira zochizira wanu wakale ndi wakale "zilonda". Ngati udzakhazikitsidwe chimene chinayambitsa matenda - chifukwa cha matenda anu aakulu, kupereka chithandizo mudzakhala adzakanidwa.

Kenako - zoletsedwa kotheratu mowa ndi zinthu psychotropic. Ngati unakhazikitsidwa kuti nthawi ya mwambo inshuwaransi magazi anu anali pang'ono mowa kapena mankhwala oletsedwa - inunso adzakanidwa reimbursement.

chinthu chimodzi chofunika kwambiri - ndi kufunika kusonkhanitsa zikalata (malipoti apolisi, mbiri zachipatala, macheke), kugwirizana ndi ngozi inshuwalansi. Izi ndi zofunika kwambiri, chifukwa nthawi zonse kuyenda inshuwalansi zikuphatikizapo chipukuta misozi cha ndalama pamene anatenga - Nthawi zina accruing yekha pa kubwerera kwawo, monga umboni kutsatira tatchulawa pepala.

Documents inshuwalansi

Kuti kuyimba inshuwalansi, monga ulamuliro, sikutanthauza zikalata wapadera - lonse la kampani anapanga ake pasipoti chimodzi chokha. Pofika pano si koyenera kupereka choyambirira - Mwachitsanzo, makampani kupereka kamangidwe ka mfundo kudzera Internet, ndilo yabwino, chifukwa amapulumutsa nthawi ndi khama. Mukhoza amalangiza yabwino kwambiri utumiki Cherehapa.ru, amene kupereka kusankha pa anthu, makampani zingapo zimene kudzakhala kotheka kuti apereke mfundo malo mu "Intaneti".

chifukwa

Choncho, tinaganiza kuti inshuwalansi akadali zofunika. Pa nkhani imeneyi, naŵa nsonga kuti angaperekedwe kwa munthu aliyense kunja.

The choyamba - mosamala kusankha inshuwalansi kampani ndi ntchito thandizo, mu kamangidwe ka mfundo, chonde werengani zinthu. Nthawi yocheza pa kuwerenga mosamala, kotero ndiye panalibe zochitika zosasangalatsa kusamvana!

Chachiwiri - kupewa zinthu si ataphimbidwa ndi mgwirizano wanu.

Chachitatu - ngati milandu mwachindunji komabe zinachitika, pomwepo funsani inshuwalansi ndi thandizo ntchito. Zonena Chithunzi inshuwalansi anu anapita kudziko lina.

Kuchita malamulo yosavuta kudzakuthandizani kutuluka mavuto ndi zomvetsa kochepa ndalama. Zabwino zonse kwa inu kuyenda ndi kukhala wathanzi!