Umshuwalense ekhulelwe lapho phesheya: tesakhiwo, imibono kanye nokubuyekeza

Okwamanje ezweni lakithi kukhona izinkampani zomshuwalense eziningi bazimisele ukunikeza izinsizakalo ezidingekayo nganoma yisiphi isikhathi. Umshwalense omama abakhulelwe - kuyinto umsebenzi elehlukile, UK kuthatha ngokungathandi kakhulu. Lonke Iphuzu liwukuthi abesifazane abakhulelwe basengozini kakhulu ngaphezulu kuqhathaniswa nezinye izigaba zezakhamizi, ikakhulukazi uma kuziwa uhambo olude. Phela, impilo yakho eziphuthumayo futhi usongo ekuphileni kudalwa hhayi kuphela owesifazane kodwa futhi umntanakhe ongakazalwa. Yingakho nje ezimbalwa izinkampani ithwala umshwalense womama lapho uya phesheya.

Izinzuzo umshwalense

Umshwalense ekhulelwe lapho uhlela iholidi ngaphandle kwezwe lakubo lendabuko inikeza eziningi eziwusizo.

Lihlanganisa izinhlelo umshwalense ezilandelayo:

• LCA ngoba omama abakhulelwe;
• yomshuwalense ukukhulelwa nokubeletha lapho uya kwelinye izwe;
• yamazwe ngamazwe umshuwalense wezempilo.

Ukuze sikuqonde ngokucace ngokwengeziwe lokho izinzuzo uhlobo Uhlelo umshwalense ngamunye, kubalulekile ukuchaza kabanzi kuzo.

umshwalense zokuzithandela yezokwelapha kwabesifazane abakhulelwe

LCA ingenye ezichumayo izinhlelo umshwalense ezweni lethu.

Lokhu wokuvakasha kwabesifazane abakhulelwe phesheya, ungakwazi ukubala, ngokombono izazi 'ku:

• Amasevisi amahhala yezokwelapha;
• ithuba aphume oda izindlela zokuxilonga;
• udokotela khulula ku akuvakashele ekhaya;
• ukuvakashelwa Mahhala ukuze udokotela wamazinyo.

VHI usebenza kuwo wonke amazwe European ayingxenye zone Schengen, ngakho senza ukuphuma kuso, uthola isiqinisekiso okuphelele ukuthi uyohlale inikezwe izinga okusezingeni ukunakekelwa ngezokwelashwa mahhala.

Umshwalense we yokukhulelwa nokubeletha lapho uya phesheya

Ukwenza lolu hlobo umshwalense kunzima kakhulu, njengoba izinkampani zomshuwalense kakhulu unganikezi khona lezi zinkonzo. Ngaphezu kwalokho, lokhu umshwalense kwabesifazane abakhulelwe lapho uya phesheya has ukulinganiselwa ezithile. Lokhu kungenxa yokuthi abesifazane, umntwana ongakazalwa bavezwa izingozi eziningi kangaka. Njengoba kwashiwo kuyi-nokubuyekezwa, imigomo yomshwalense zinqunywa ngabanye, kodwa inqubomgomo ayisavumelekile ku 25 ngesonto sokukhulelwa umbungu.

Umshwalense wempilo International

MMS ingenye eliphezulu futhi umshwalense oluphelele ezinhlelweni eziningi, kuhlanganise ibanga elikhulu amasevisi.

Ngaphansi kwale nqubomgomo umama okhulelwe ungathola:

• oluphuthumayo lwezokwelapha;
• yokuthopha scan okuhleliwe, ukubonisana kanye nokwelashwa kunoma yiliphi izwe;
• esehlanganise zonke izindleko ezihlobene nokukhulelwa kanye nokubeletha;
• ithuba lokukhetha noma iyiphi esibhedlela, udokotela kanye womama lamabutho;
• eziphuthumayo esibhedlela uma bebeletha, kanye amaphilisi ezinhlungu khulula;
• ukuhlala khulula esibhedlela ngemva kokuzalwa, kanye imithi yokwelashwa kudingekile, uma kunesidingo.

Ngakho, uma lelo zinga ngasekupheleni yokukhulelwa, futhi uhlela ukuya kwelinye izwe, khona-ke umshwalense yezokwelapha phesheya abakhulelwe ikhambi ephelele.

Noma yimuphi nezindleko kwezinto ezingenawo umshuwalense kwabesifazane abakhulelwe?

Abesifazane ukubuyekeza yabo ngokuvamile banake yokuthi ayikho izinhlelo umshwalense omama ungambozi izigaba ezilandelayo izindleko:

• isisu;
• azalwe kwesikhathi.

Ngokuphathelene nalokhu kwesibili, inqubomgomo yomshuwalense ihlanganisa izindleko ezihlobene nokuzalwa ngaphambi kwesikhathi, uma Kwakuseshwa ngenxa usongo empilweni nasekuphileni komuntu kunina noma kumntwana.

Imikhawulo izinqubomgomo isenzo yobudala sokukhulelwa

Ezivamile uhlelo umshuwalense wezempilo kuhlanganisa lumboza zonke izindleko ezihambisana nokukhulelwa, okungukuthi ukuhlinzekwa oluphuthumayo lwezokwelapha uma impilo nokuphila umbungu noma unina kusongelwa. Kodwa, inqubomgomo isebenza kuphela kuze kube ngesonto weshumi nambili ka-sokukhulelwa, ngemva kwalokho-ke izokhanselwa. Lokhu itholakala inkontileka, ngoba umshwalense akafuni ukusithatha izingozi ezengeziwe.

umshwalense enwetshiwe zokushiya phesheya abakhulelwe ihlanganisa izigaba okuningi kwezindleko, kuze 31 amasonto sokukhulelwa. Usayizi umshuwalense phezu umshwalense, ochwepheshe bathi, zingahluka kusuka 10 kuya ayizinkulungwane 50 euro.

Action phezu okuvela izenzakalo kwesamba

Uma, ngesikhathi sokuhlala phesheya ikhona umcimbi insured, olunikezwa inkontileka, ukuze uxhumane ne umshwalense omunye izinombolo ezisohlwini inqubomgomo, futhi ukunikeza idatha yabo siqu, inombolo umshwalense, kanye ikheli esiqondile indawo yakho yamanje. Abamele bayatholakala 24/7, ukuze ukwazi ukuthola usizo nganoma isiphi isikhathi sosuku noma ebusuku. Umshuwalense travel phesheya abakhulelwe eqala kokuqondisa egcwele iklayenti kulo ukuhlala lakhe isikhungo sokwelapha.

Okukhomba ayicabangele lapho ekhetha uhlelo umshuwalense?

Ukucabanga onjani Uhlelo umshwalense ukukhetha, umama okhulelwe kufanele inake la maphuzu alandelayo:

• ngasiphi isigaba yokukhulelwa kungenziwa ikhishwe umshwalense;
• inani izinkokhelo umshwalense;
• ukuhlala isikhathi esingakanani ezweni langaphandle inenqubomgomo.

Ayikho ngaphansi okubalulekile idumela kanye ukuthembeka umshwalense, kodwa izici ezibalwe ngenhla ukhiye.

Inqubomgomo eside

Noma yimuphi umshwalense kwabesifazane abakhulelwe lapho phesheya, kungakhathaliseki zinhlobo, evumelekile izinyanga 12 kusukela ngosuku ukusayina yesivumelwano phakathi kwesamba kanye umshwalense. Kulokhu inkokhelo yenziwa ngokugcwele ngesikhathi ngemvume imibhalo. inqubomgomo osebenza kubo bonke ukuhlala kwelinye izwe, kusukela mzuzu bewela umngcele futhi liphetha ngamazwi ukubuya ezweni lenkaba yawo. Uma uhlela ukuhamba njalo phesheya, kungenzeka ukuphetha lomshuwalense inkontileka yesikhathi esisodwa isikhathi sezinyanga ezingu-12 futhi njalo uhambo ukusebenzisa amasevisi umshwalense.

A amazwi ambalwa mayelana izingibe

umshwalense ngamunye ekhulelwe lapho phesheya ukuthathelwa umshuwalense ngokumelene izingozi ezithile futhi inikeza Ukuhlanganisa for izinto ezithile ezidinga kukhishwe imali, ngakho-ke, hhayi ukuba nenkinga, kutuswa ukuba ufunda inkontileka umshwalense at yomhlobiso wawo. Ngokukhethekile kufanele inikwe Kwezinye izimo obonwa umshwalense.

izinkampani zomshuwalense Iningi izovala izindleko ezihambisana esibhedlela umama okhulelwe esibhedlela, uma kuvela isidingo, kanye aphoyintimenti kuqala futhi zonke izinqubo zokuxilonga esiphuthumayo. Kulokhu, zonke izindleko ezihambisana ukulethwa futhi okuqukethwe kukamama kanye nengane esibhedlela, isisu noma wazalwa kungakabi isikhathi, kungukuthi ihlawulelwa, ngaphandle kokuba ziye eyayenziwe kwavusa ngenxa usongo empilweni futhi kokuphila kukamama noma kwengane.

Yini ngomshuwalense kungcono ukukhetha?

Ngeshwa, emakethe yasekhaya, izinkampani ababaningi sihlinzeke izinhlelo umshwalense ukuze abesifazane walowo obeletha futhi uya phesheya. Umkhakha imidondoshiya ukungatholi lokudlela nale isiqondiso ngenxa yobungozi kakhulu. Noma kunjalo, kukhona ezinye izinkampani zomshuwalense, lapho kungenziwa ikhishwe umshwalense kwabesifazane abakhulelwe lapho phesheya.

"Liberty Mutual"

Omunye wabaholi Russian e ukuhlinzekwa kwezinsizakalo umshwalense. I umshwalense inikeza amakhasimende uhlelo "Standard", okuvumela uthango omama abakhulelwe ngeminyaka sokukhulelwa, ukuthi aseqeli amasonto nambili. Umthamo izinkokhelo umshwalense 20, 50 no-100 eziyinkulungwane euro. Ukwenza umshwalense amasonto amabili, lapho isenzo isebenza kunoma yiliphi izwe of endaweni Schengen kuyinto ruble ayizigidi eyodwa.

"Imvume"

Inkampani encane enikeza omama abakhulelwe isimiso esikhethekile elikuvumela ukuba ukuthathelwa umshuwalense ngokwabo phakathi nokuvakasha kwazo kwelinye izwe lapho umuntu ekhulelwe amasonto angu-24. Inqubomgomo ihlanganisa yonke izindleko eziphathelene ukwelashwa kanye ukuxilongwa pathologies ezehlukene, isisu esimweni usongo impilo kamama, kanye nemisebenzi ukongiwa yokukhulelwa. Inani eliphelele yokukhokha umshuwalense 5,000 euro.

"Ingosstrakh"

Umshuwalense phesheya abakhulelwe "Ingosstrakh", ngaphezu izinto eziyinhloko kwezindleko, ihlanganisa zokwelashwa ngoba impatho komzimba nezinto, kanye yilanga. Inani yokukhokha kungaba 30, 50 noma 100 000 000 EUR noma USD.

IHI Bupa

Kuyinto inkampani enkulu Danish umshwalense, ukuhlinzeka ezihlukahlukene izinhlelo umshwalense emhlabeni wonke. Umshuwalense ukhulelwa ngesikhathi phesheya kusukela IHI Bupa ihlanganisa zonke izindleko ezihambisana nokunikezwa oluphuthumayo lwezokwelapha omama abakhulelwe, ubudala sokukhulelwa ka esingaphansi kwamasonto 36.

Ukwenza umshwalense kuya ku-intanethi

Uma uhlela iholidi phesheya noma ngomsebenzi, kodwa isikhathi ukuya ehhovisi inkampani lapho, yomshuwalense kwabesifazane abakhulelwe lapho phesheya kungenziwa ikhishwe inthanethi. Kuze kube manje, uhlelo olufana nalolo inikezwe zonke izinkampani ezintathu zasekhaya:

1. "Liberty" - yomshuwalense omama abakhulelwe ngeminyaka sokukhulelwa zamaviki 12, lapho phesheya.
2. "Rosgosstrakh" - eyisisekelo ohlelweni umshwalense womama nge term amasonto 31 okukhulelwa, okubandakanya izindleko okuhlinzeka oluphuthumayo lwezokwelapha.
3. "European Izikhangibavakashi Insurance" - inikeza ngamasevisi umshwalense omama esizayo, ubudala sokukhulelwa ka esingaphansi kwamasonto 31. Ngaphezu eyisisekelo ikhava ingozi izindleko ezihlobene nokuzalwa ngaphambi kwesikhathi, kanye ukunakekelwa kwezempilo kanye okuqukethwe usana esibhedlela.

Ukuze Inqubomgomo ukubhalisa kufanele uye kuwebhusayithi esemthethweni ngomshuwalense, ugcwalise ifomu inthanethi futhi wenze inkokhelo ngaphansi inkontileka umshwalense.

Ukukhipha umshwalense out phesheya noma cha - kungcono ibhizinisi wonke umuntu. Kodwa kungcono hhayi ukuba engozini kuso, ngoba yini engenzeka, lutho.