Ndondomeko yosavuta kuwerenga pa zoyendetsa inshuwalansi
Mwina simukupeza nokha kukambirana nkhaniyi ndi anzanu ndi anansi anu, ndipo inshuwalansi yaulendo siitchulidwa nthawi zonse m'mabuku akuluakulu ndi kusangalatsa olankhula (kapena nyama, pa nkhaniyi). Ma inshuwalansi ena omwe timagula - moyo, thanzi, galimoto ndi kunyumba - zonse zimadzifotokozera okha. Koma kodi inshuwalansi yaulendo ndi iti kwenikweni?
Tanthauzo losavuta la inshuwalansi yaulendo
Mwachidule, inshuwalansi yaulendo ndi mndandanda wapadera, wokonzedwa kuti muteteze thanzi lanu ndi katundu wanu pakakhala chinachake chikulakwika pazinthu zanu zapadziko lonse lapansi.
Ngakhale kuti ndizachilendo kugula inshuwalansi yaulendo paulendo wanu, mumakhala ndi mwayi wopeza inshuwalansi paulendowu. Mudzapeza makamaka zopereka za inshuwalansi zoyendayenda popita ku mayiko ocheperapo, kapena madera a dziko omwe angathe kutsutsana.
Kodi simungayende inshuwalansi m'malo mwa inshuwalansi yanga?
Limeneli ndi funso lofunsidwa kawirikawiri pamene oyendayenda akulingalira kuwonjezera ndondomeko ya inshuwalansi yoyendayenda ku mndandanda wawo. Ngakhale kuti moyo wanu wamakono ndi zaumoyo zamakono zidzakumbutsa chinachake chomwe chimachitika inu mukuyenda m'dziko lanu, zowonjezera zomwezo sizingakuonjezerereni pamene mukuyenda padziko lonse. Izi ndi zowona makamaka kwa iwo omwe ali pa Medicare: pamene Medicare idzawonjezera phindu ku United States kapena gawo la United States (kuphatikizapo Puerto Rico, Islands Virgin Islands, Guam, Northern Mariana Islands, kapena American Samoa), mukhoza osakhala ndi mwayi wopindula padziko lonse lapansi.
Kodi ndikufunikira inshuwalansi yaulendo kuti ndikachezere dziko lina?
Ili ndi funso lofala - koma ndi lovuta kwambiri kuyankha. Pamene mukuyenda kumayiko ambiri akumadzulo nokha, monga Canada, United Kingdom, Ireland, France, Spain, kapena Germany, simudzasowa kupereka umboni wa inshuwalansi yaulendo.
Izi zanenedwa, inshuwalansi yaulendo ingakuthandizeni m'mitundu iyi ngati mukudwala kapena mukuvulazidwa mukakhala.
M'mayiko osauka padziko lonse, inshuwalansi yaulendo imalimbikitsidwa kwambiri pa zifukwa zambiri. Mwachitsanzo, chitukuko cha umoyo ndi chitukuko m'mayiko onsewa sichikhoza kumangidwa mofanana ndi dziko lakumadzulo. Chotsatira chake, madzi apopi akhoza kukhala ndi tizirombo toyambitsa matenda, ndipo zipatala sizingapereke chithandizo chomwecho monga momwe mungapezere kunyumba. Zikatero, inshuwalansi yaulendo ikhoza kukuthandizani kupeza malo okwanira osamalirako, ndipo (muzinthu zina) muthandizidwe kuchoka kwachipatala mukakhala modzidzimutsa.
Komabe, mayiko ena angafune kuti mutenge inshuwalansi yaulendo musanalowe m'dziko lawo. Mwachitsanzo: kuti muzitha kuyendera ku Russia, ambassy yomwe mukuyipemphayo ingapemphe umboni wa inshuwalansi yaulendo musanapereke visa yoyenera, kuphatikizapo malemba ena. Ndipo oyendayenda omwe akuyendera ku Cuba nthawi zonse amayenera kutengera chitsimikizo cha inshuwalansi yaulendo, kapena ngati angakakamizedwe kugula ndondomeko kuchokera kwa kampani yakumaloko asanalowemo.
Kodi ndingapeze kuti mndandanda wa makampani oyendetsa inshuwalansi?
Kuti mudziwe zambiri, Dipatimenti ya boma imakhala ndi mndandanda wa opereka inshuwalansi yaulendo ku United States.