Musanagule inshuwalansi, onani ndondomeko yanu ya inshuwaransi yatsopano kuti mudziwe kuti inshuwalansi yanu idzalipire choyamba komanso momwe kulipira kumeneku kudzakhudza moyo wanu wonse. Mukhoza kukhala bwino pogula supplemental inshuwalansi ya inshuwalansi yowonjezereka kuchokera ku chithandizo cha inshuwalansi yeniyeni, ngakhale mutsika mtengo kuposa inshuwalansi yaulendo, kuti mupewe kuchepetsa kuchepa kwa moyo wanu wonse.
Phunziro la Mlandu wa ku Canada
Mu March 2016, bungwe la Canadian Broadcasting Corporation linasindikiza nkhani yokhudzana ndi zovuta, zofunikira kwambiri zoyamba kubwezera komanso zigawo zogonjetsa inshuwalansi. Nkhaniyi ikufotokoza nkhani ya banja lina la ku Canada limene linagula inshuwalansi ya zamalonda, kupita ku US, ndikukumana ndi vuto lalikulu la thanzi. Mkaziyo anadwala matenda oopsa kwambiri ndipo anaikidwa m'chipatala. Pamene anali ndi thanzi labwino kuti apite kunyumba, adayitanitsa chiphaso komanso kampani ya inshuwalansi ya kuyenda.
Chimene azimayiwa sankamudziwa, chinali chakuti kampani ya inshuwalansi yaulendo, monga pafupifupi aliyense wa inshuwalansi wolembapo ponseponse, ikuphatikizapo ndime yowonongeka ndi chigamulo choyamba cholipilira mu dipatimenti yake ya ndondomeko, kulola kuti kampaniyo itengeko ndalama zina banjali limapereka inshuwaransi ya umoyo wathanzi - inshuwalansi yomwe imalipira chithandizo chosagwiritsidwa ntchito mokwanira pansi pa dongosolo labwino la Canada.
Malipiro amenewo anawerengedwa motsutsana ndi moyo wa mkazi wake phindu lalikulu la CDN 500,000, kuchepetsa CDN 97,000. Kwa munthu amene akuyembekeza kukhala ndi moyo zaka zambiri - ali ndi zaka 67 - izi zingakhale zovuta, chifukwa akhoza kutaya ndalama za inshuwalansi kuti azilipiritsa mankhwala, mankhwala, komanso mwina mankhwala ena omwe amalandira kunja kwa chigawo cha kwawo.
Zolemba Zoyamba Zopereka
Zigawo zoyamba kulipira zimakhala zofala m'makampani a inshuwalansi. Malangizo a nthawi yayitali, monga inshuwalansi yaulendo kapena kugunda kwa inshuwalansi yowononga galimoto yanu yobwereka, nthawi zambiri amalipiritsa chiwongolero pokhapokha mutapereka ndalama zambiri. Izi zikutanthauza kuti inshuwalansi ya umoyo wanu, inshuwaransi ya galimoto kapena kampani ya inshuwalansi ya mwini nyumbayo idzalipira poyamba, ndipo kampani ya inshuwalansi yaulendo kapena kampani ya galimoto yobwereketsa idzakwaniritsa zodandaula zilizonse zolipidwa.
Ngati inu mutenga mlandu pa inshuwalansi yoyendetsa galimoto kapena kampani ya galimoto yobwereka, chigamulo choyamba cholipira chikhonza kugwiritsidwa ntchito. Pankhani ya inshuwalansi ya galimoto, chinthu choipitsitsa chomwe chingachitike ndikutaya inshuwalansi yanu yamagalimoto chifukwa cha zonena zambiri. Inshuwalansi ya umoyo, monga chitsanzo chathu pamwambapa chikuwonetsera, chingakhale chovuta kwambiri.
Momwe Kudzikuza Kumagwirira Ntchito
Chigwirizano chokhazikika pamsonkhano wa inshuwalansi woyendayenda chikuwoneka ngati izi:
"Mpaka inshuwalansi ikulipilira imfa ya Ogwiridwa, Inshuwalansi idzatenga ufulu ndi njira zothandiziridwa ndi Inshuwalansi zokhudzana ndi Kutayika. Izi zimadziwika kuti" subrogation. "Inshuwalansi ayenera kuthandizira Inshuwalansi kusunga ufulu wake kwa omwe ali ndi udindo chifukwa cha kuwonongeka kwake.
Izi zingaphatikizepo kulemba mapepala aliwonse ndi kutenga njira zina zomwe Insurer angafune. "(Gwero: TravelGuard )
Chigamulochi chimapereka chilolezo cha inshuwalansi yoyendetsa maulendo anu kuti apeze mphoto kuchokera kwa mabungwe ena kapena mabungwe omwe angaganizidwe kuti akulipiritsa pa chiyeso chanu, mwina chifukwa chakuti maphwando anali olakwa (kutanthauza kuti ndi ovomerezeka mwalamulo) kapena chifukwa makampani a inshuwalansi amatchulidwa kukhala oyamba kubweza mu inshuwalansi yaulendo wanu. Mwa kuvomereza ndime yowonjezereka, mukupereka kampani ya inshuwalansi chilolezo choti achitepo kanthu kuti muyankhule ndi ena a inshuwalansi ndikupeza izi.
Kugonjera sikutanganidwa ndi madandaulo a inshuwalansi. Ngati muli mu ngozi ya galimoto, kampani yanu ya inshuwalansi ikhoza kulipira galimoto yanu kapena mankhwala anu, koma ngati dalaivala wina atsimikiza kuti ali ndi vuto, kampani yanu ya inshuwalansi idzafunsa bwana wa inshuwalansi kuti abwezeretse iwo amawononga ndalamazo, nthawi zina popanda kukuuzani.
Malingana ndi komwe mukukhala komanso mtundu wa inshuwalansi omwe muli nawo, zigawo zoyamba kubwereka ndi zigawo zogonjetsa ndalama zingakhale zopanda phindu pa inshuwalansi yanu yamtsogolo, kapena zingakhudze kwambiri moyo wanu wonse.
Anthu okhala m'mayiko osiyanasiyana akukumana ndi mavuto osiyanasiyana a inshuwalansi
Nzika za ku United Kingdom zimalandira mgwirizano wathandizira wa inshuwalansi ndi mayiko ambiri ku European Economic Area komanso ndi Switzerland ndi Australia. Chifukwa chake, opa inshuwalansi zaulendo angakane kupereka malipiro a zachipatala omwe alendo a ku UK amapeza omwe sapeza a European Health Insurance Card (EHIC) asanayambe kuyenda kapena kulemba ku inshuwalansi ya inshuwalansi ya Australia ku Australia. dziko. Mikangano yochepa yokhazikika ndi mayiko ena angapo angalole anthu a ku UK kupeza chisamaliro chaufulu kapena chithandizo chothandizira paulendo; funsani webusaiti ya National Health Service kuti mumve zambiri.
Ndimakhala ku United States, ndipo, nditatha kuwerenga nkhani ya CBC yomwe yatchulidwa pamwambapa, ndinayang'ana pazomwe ndaphunzirepo ndondomeko ndi zothandiza zomwe ndikupeza pa inshuwalansi ya umoyo wanga. Sindikudziwa momwe ndikudziwira ndikukhala ndi phindu la moyo wanga pokhapokha ngati ndingakwanitse. Inshuwalansi yanga ya inshuwalansi iyenera kulipira poyamba ngati ndagula inshuwalansi yaulendo ndikudandaula, koma sindingataye phindu la m'tsogolo monga gawoli. Oyenda ku Canada omwe ali ndi inshuwalansi yowonjezera yaumoyo ali mosiyana kwambiri.
Kumbukirani kuti mavuto omwe anakhudza azimayi awiri a ku Canada m'nkhani ya CBC yomwe yatchulidwa pamwambayi ikukhudzana ndi kuti nzika za Canada zitha kugula inshuwalansi yowonjezereka kuphatikizapo ndondomeko ya inshuwalansi yadziko lonse yomwe nzika zonse zimalandira. Kulemba kumeneku kumabwera ndi moyo wochuluka, ndipo sikutanthauza kuti zonsezi zimachitika pakhomo pakhomo lanu.
Mwamuna ndi mkazi wake omwe adafotokozedwa m'nyuzipepala ya CBC akhoza kuyang'ana pa tsamba la uphungu wa inshuwalansi pa tsamba la webusaiti ya otsogolera odwala, Pacific Blue Cross, ndipo werengani ndondomeko zotsatirazi: "Ngati muli ndi pulani yowonjezereka ndi Pacific Blue Cross , ulendo wanu udzakhala woyamba kulipira. Izi zimateteza malire a moyo wanu pa Mapulani Anu Achidwi Owonjezera. " Iwo akanatha kuwerenga chiphaso cha inshuwalansi yoyendayenda ndikuyang'ana subrogation ndi zigawo zoyamba kulipira. Iwo akanatha kulankhulana ndi kampani ya inshuwalansi yaulendo ndipo anafunsa za njira yobweza, koma, monga ambiri a ife, iwo sankamudziwa mokwanira za zigawo zoyamba kulipira ndi zowonongedwa kuti ayambe kufunsa mafunso abwino.