Kafukufuku waposachedwapa poyerekezera ndi inshuwalansi ya inshuwalansi InsureMyTrip imasonyeza kuti chiwerengero chachikulu cha anthu a ku America sichidziwika bwino ngati ali ndi chithandizo chachipatala pamene akuyenda kunja kwa dziko.
Ngati nzika ya ku America ikudwala kwambiri kapena kuvulala kunja, msilikali wa abusa ochokera ku ambassy kapena aboma a ku United States angathandize kupeza malo oyenera a zachipatala ndikudziwitsa banja lanu kapena abwenzi anu.
Koma malipiro a chipatala ndi zina ndizo udindo wa wodwalayo.
Pa kafukufuku wa InsureMyTrip oposa 800, pafupifupi gawo limodzi mwa magawo atatu aliwonse sankadziwa ngati azimayi awo apanyumba ya inshuwalansi angayang'anire dokotala kapena maulendo a chipatala kunja kwa US Twenty-nine peresenti amakhulupirira kuti inshuwalansi yawo inapereka chithandizo, ndipo 34 peresenti amaganiza kuti inshuwalansi yawo ikanapereka Kuphunzira.
Kuchuluka kwa chithandizo cha zachipatala chomwe chilipo kuti mupite kudziko lina kungakhale kosiyana, malingana ndi wothandizira zaumoyo ndi ndondomeko yanu. Akuluakulu a inshuwalansi monga Blue Cross ndi Blue Shield, Cigna, Aetna angapereke chithandizo chodzidzimutsa kunja kwadzidzidzi koma kutanthauzira kwadzidzidzi kumasiyana.
Kuyenda ndi agogo aamuna? Medicare sadzalandira kawirikawiri chisamaliro cha chipatala chodwala, kuchipatala, kapena ma ambulansi kudziko lina. Puerto Rico, zilumba za US Virgin, Guam, Northern Mariana Islands, ndi American Samoa zimatengedwa ngati mbali ya United States.
Ngati wina pa phwando lanu akulembera ku Medicare, akhoza kugula ndondomeko ya Medigap kuti apeze chisamaliro chapadera chomwe chinaperekedwa kunja kwa United States. Lamuloli likulipira 80 peresenti ya ndalama zowonongeka kwa chithandizo chadzidzidzi kunja kwa US mutatha kukwana $ 250 chaka chonse. Kufikira kwa Medigap kuli malire a $ 50,000.
Zimene Mungamufunse Inshuwalansi Yanu ya Zaumoyo
Njira yokhayo yodziwira zowona kuti ndondomeko yanu ya inshuwalansi yathanzi ndi yotani. Musanachoke paulendo wapadziko lonse, funsani wopereka inshuwalansi ndikupempha kuti muwonenso kalata yanu yowunikira kuti mudziwe za phindu. Nazi mafunso asanu ndi atatu omwe muyenera kufunsa:
- Ndingapeze bwanji chipatala chovomerezeka ndi madokotala komwe ndikupita? Mukasankha dokotala, onetsetsani kuti akhoza kulankhula chinenero chanu.
- Kodi inshuwalansi yanga imabweretsa ndalama zofunikira kunja kwadzidzidzi monga kundibwezera ku United States kukachiritsidwa ngati ndikudwala kwambiri? Dziwani kuti inshuwalansi ambiri akulemba pakati pa "chisamaliro chapadera" ndi "chisamaliro chapadera." limene limatanthawuza makamaka moyo-kapena mimba-zoopsa.
- Kodi inshuwalansi yanga imagwira ntchito zowopsa kwambiri monga kupitiliza mapiri, kukwera phiri, kusambira pamadzi ndi kubwerera?
- Kodi ndondomeko yanga ikuphimba mikhalidwe yomwe ilipo kale?
- Kodi kampani yanga ya inshuwalansi imafuna chithandizo chisanayambe kapena ndemanga yachiwiri chithandizo chankhanza chisanayambe?
- Kodi kampani yanga inshuwalansi imapereka chithandizo cha mankhwala kunja kwina?
- Kodi kampani yanga ya inshuwalansi idzaperekera kuchipatala chachilendo ndi madokotala akunja?
- Kodi kampani yanga ya inshuwalansi ili ndi chithandizo chothandizira kuchipatala cha maola 24?
Ngati inshuwalansi ya umoyo wanu imapereka chithandizo kunja kwa United States, kumbukirani kunyamula khadi lanu la inshuwalansi, chiwerengero cha chithandizo cha makasitomala, ndi fomu yobwereza.
Makampani ambiri a inshuwalansi a zaumoyo adzalipira chipatala cha "chizolowezi ndi cholingalira" kunja kwa dziko lina, koma dipatimenti ya boma ku United States imachenjeza kuti makampani osungira inshuwalansi ochepa okha amapereka ndalama zowatengera ku United States, zomwe zingawononge ndalama zokwana madola 100,000, malinga ndi chikhalidwe ndi malo.
Ngati muli ndi vuto lachipatala, mutengere kalata kuchokera kwa dokotala wanu, kufotokozera zachipatala ndi mankhwala alionse, kuphatikizapo dzina lachidziwitso la mankhwala oyenera. Siyani mankhwala alionse omwe mumanyamula m'mabotolo awo oyambirira, olembedwa bwino. Onetsetsani kuti muyang'anire ndi a embassy akunja a dziko lanu omwe mukumuchezera kapena mukuyenda panjira kuti muwone kuti mankhwala anu sakuwoneka kuti ndi mankhwala osokoneza bongo m'dzikoli.
Kuti mudziwe zambiri zachipatala pa tchuthi, taganizirani za Dr. Phil's Doctor pa Demand app, zomwe zimakulolani kuyankhulana ndi dokotala kwa ndalama zokwana $ 40.