Zimene ndinapereka: Inshuwalansi Yoyendayenda ndi Zopereka Zamankhwala Zamankhwala

Momwe ndalama zotsika mtengo zingakhalire ndi ndalama zazikulu pansi pa mzere

Kwa anthu ambiri apaulendo, funso la inshuwalansi yaulendo likufika pazifukwa zitatu: mtengo, ulendo, komanso momwe maulendo awo angakhudzidwe ndi maiko akunja. Komabe, zomwe alendo ambiri samaziganizira ndizofunika kuti adwale kapena kuvulala kunja.

Ambiri omwe amapita kumaphunziro amaphunzira bwino zambiri zokhudza inshuwalansi zamtundu wa inshuwalansi, kuphatikizapo ulendo wothandizira , kuyenda mofulumira, ndi kutaya katundu . Ambiri amalendo amakhulupirira inshuwalansi zaulendo zomwe zaperekedwa kale kudzera mwa makadi awo a ngongole . Muzochitika izi, zomwe zimanyalanyazidwa nthawi zambiri ndizo chithandizo chamankhwala omwe amabwera ndi inshuwalansi yoyendetsa. Pogwiritsa ntchito ndondomeko yoyenera, munthu amene akuyenda angakonzedwe chifukwa chodwala panthawi yomwe akupita kunja, akuvulala pangozi, kapena akusowa kunyumba mwamsanga.

Musanamangidwe ndi ndalama zothandizira chithandizo chamankhwala, onetsetsani kuti mumadziŵa mtengo wa inshuwalansi yaulendo komanso mtengo wa chipatala cha padziko lonse. Pano pali zomwe mungathe kumaliza kugwiritsa ntchito ngati ulendo wanu wotsatira umathera mu chipinda chodzidzimutsa.

• 01 ya 06

  Mtengo Wopeza Inshuwalansi: $ 263.48

  Malinga ndi kafukufuku wa American Express 2016 Wowononga ndi Kuteteza Tracker , Amayi anayi pa asanu aliwonse a ku America adzatenga maulendo angapo a chilimwe chaka chino. Mwa iwo, pafupifupi kotala limodzi adzakhala akuyenda kunja kwa dziko pa imodzi mwa maulendo awo. Ambiri mtengo waulendo ndi $ 948 pa munthu aliyense, kubweretsa tabu kwa banja la 4 mpaka $ 3,792.

  Ngakhale mtengo wa inshuwalansi yaulendo ungasinthe malinga ndi zifukwa zingapo, inshuwalansi ya inshuwalansi InsureMyTrip imalingalira kuti kawirikawiri inshuwalansi yaulendo imafunika pakati pa anayi ndi khumi peresenti ya mtengo wopita. Pa mtengo wamkati wapakati pa asanu ndi awiri peresenti, kawirikawiri ndondomeko ya inshuwalansi yaulendo kwa banja la anai iyenera mtengo pafupifupi $ 263.48.

  Ngakhale kuti izi ndizowerengera, mtengo weniweni wa inshuwalansi yaulendo udzasiyana pakati pa opereka komanso pakati pa zina. Izi zingaphatikizepo zaka za oyendayenda, kutalika kwa ulendo wawo, ndi mayiko omwe akupita.

• 02 a 06

  Mtengo wa Ambulance Kutumiza: $ 434 kapena kuposa

  Ziribe kanthu komwe timayenda padziko lapansi, ngozi ndi zochitika zachipatala zingachitike. Ngakhale kuti anthu ena oyendayenda angadziwe kuti ali ndi chikhalidwe chotani komanso kuti azidziyendetsa okha kuti asamalire, ambiri amatha kukhala opanda mphamvu komanso amafuna thandizo. Pazochitikazi, oyendayenda angafunike ambulansi kuti awatengere kuchipatala.

  Ngakhale mtengo wa ambulansi ku United States wakhala wotchulidwa kwambiri, ambulansi imawononga zosiyanasiyana padziko lonse lapansi. Nthawi zina, monga Ireland, oyendayenda omwe potsiriza amapititsidwa ku chipinda chodzidzimutsa sangakhale ndi udindo wa mtengo wa ambulansi yawo. M'madera ena a dziko lapansi, monga Singapore, kayendetsedwe ka ambulansi imatha ndalama zokwana madola 434, paulendo wochokera kuchipatala kupita ku chipatala cha ndege ku nthawi yofulumira kuchoka.

  Ngakhale kuti ndalama zowonongeka zowonjezereka zikuphimbidwa ku United States pansi pa inshuwalansi, ambiri omwe amapereka inshuwaransi - kuphatikizapo Medicare - sadzawunikira alendo kunja kwa United States. Kotero, popanda inshuwalansi yaulendo, oyendayenda akhoza kukakamizidwa kulipira chifukwa chodziŵira okha.

• 03 a 06

  Ndondomeko ya chipatala: Kufika pa $ 1,742 patsiku

  Mu 2015, deta ya United States State Department inafotokoza kuti anthu opitirira 900 ku America anaphedwa kunja, ndipo ambiri mwa anthu amene amwalira amachokera ku ngozi zapamsewu, kumira, ndi zina zochitika . Kwa omwe aphedwa, pali ambiri omwe amafuna kuti chipatala chikhale chogonjetsa matenda kapena kuvulala. Ngakhale kuti palibe amene akukonzekera kupita kuchipatala kunja komweko, ngozi yosayembekezereka ingapangitse alendo kuti azipita.

  Malingana ndi The Washington Post , anthu omwe alibe inshuwalansi yaulendo angakumane ndi ndalama zambiri tsiku lililonse ali m'chipatala. Ku Australia, chipatala chimatha ndalama zokwana madola 1,742 patsiku, pomwe chipinda chomwechi chikhoza kuwononga madola 700 ku France ndi ku Netherlands.

  Popanda kuyendetsa inshuwalansi, Dipatimenti ya Boma imachenjeza kuti apaulendo ali ndi udindo wonyamula zonse zomwe amapeza kuchipatala. Ngakhale ambassy ingathandize otsogolera kukonzekera kuti ndalama zisamalire kunyumba, sangathe kupereka chithandizo kwa chipatala, komanso sangathe kupita kwa dokotala kapena kutumiza dokotala kuti athandizire alendo omwe akuvutika .

• 04 ya 06

  Mtengo wa MRI kapena CT Scans: Kufika pa $ 1,072 pa kujambulira

  Kwa iwo amene amafunikira kuwunika kwakukulu kwambiri chifukwa cha kuvulala kwa mkati, dokotala angapereke chojambulira cha MRI - chochepa cha kujambula zithunzi za maginito. Njira yowonjezera yowonjezereka ndi tomography ya computeri, kapena CT Scan. Ngakhale kuti zojambulazi zingapangitse zithunzi zozizwitsa za thupi la munthu, zingathe kubwera pamtengo wapamwamba kwambiri.

  Malinga ndi lipoti la Washington Post , MRI ingagulitse madola 1,000 pokhapokha kunja. Dziko lopindulitsa kwambiri la MRI ndi South Africa, lotsatiridwa ndi Switzerland, New Zealand, Chile, ndi France. Ponseponse ku Ulaya, MRI yotsika mtengo inapezeka ku Spain, pafupifupi mtengo wa $ 230.

  CT Scans imabweranso pa mtengo waukulu kwambiri. Nyuzipepalayi inapeza kuti mtengo wotsika mtengo wa CT scan mu South Africa ndi Switzerland, unali woposa madola 400, pafupifupi. Malo ena onse omwe anafunsidwa ku Ulaya, kuphatikizapo Netherlands, France, ndi United Kingdom, onse anali ndi ndalama zoposa $ 150 za CT Scan.

  Ngakhale mayesowa angakhale opulumutsa moyo, amadza ndi mtengo. Onetsetsani kuti muone ngati ulendo wanu wothandizira inshuwalansi udzawunikira mayesowa ngati mukuyenera kutero ndi mankhwala.

• 05 ya 06

  Mtengo wa Zotsatira Zotsatira: Pa $ 30 Pa Ulendo Wonse

  Pazochitika zonse zomwe munthu woyendayenda amatha kupita nazo kunja, kuwona dokotala pa ulendo wa ofesi kungakhale mtengo wokwanira umene angakumane nawo. M'mayiko omwe adafufuzidwa kuzungulira dziko lonse ndi Washington Post , maulendo okwera mtengo kwambiri a maofesi amawononga ndalama zokwana madola 38 peresenti ku Chile.

  Komabe, mofanana ndi ku United States, kupezeka kwa madokotala kungakhale kosiyana padziko lonse lapansi. Kuwonjezera apo, kukhala wokhoza kuonana ndi dokotala pa mtengo wamtengo wapatali kungakhale kovuta, chifukwa cha zolepheretsa chinenero ndi ndondomeko za ofesi. Ambassy am'deralo nthawi zambiri amathandiza othawa kupeza dokotala, pomwe inshuwalansi yaulendo ingathandize kupeza madokotala omwe angalandire malingaliro awo monga malipiro, kapena chitsimikizo cha kulipira.

• 06 ya 06

  Mtengo wa Ambulensi ya Air: $ 10,000 ndi pamwamba pa kuthawa

  Pomalizira, munthu aliyense akulota kubwerera kwawo kumalo oyendetsa ndege za ndege - osati kutsogolo kwa ambulansi. Anthu omwe amavulala kwambiri kunja kwawo angafunike kubwereranso ku ambulansi yodutsa, yomwe imatha kupereka chithandizo cha moyo kuchokera kuchipatala kupita kudziko lawo.

  Kuthamanga mumtundu wa ambulansi sizitsika mtengo, kaya pakhomo kapena m'mayiko ena. M'nkhani ina yofalitsidwa ndi The New York Times , wolankhulira bungwe la Association of Air Medical Services anati pafupifupi mtengo wa ambulansi ya mpweya kukhala $ 10,000 kapena kuposa. Popanda inshuwalansi yoyendetsa inshuwalansi yoyendayenda, woyendayenda akhoza kukakamizidwa kulipira ndalamazo kutsogolo , asananyamuke kupita kumalo okwera ndege.

  Mukakumana ndi chisankho chovuta chogwiritsa ntchito ma ambulansi apansi, onetsetsani kuti mukutsatirana ndi inshuwalansi yoyendetsa galimoto yoyamba. Ngakhale anthu omwe amapereka inshuwalansi yaulendo sangapereke chithandizo pambuyo pa chochitika , kugula inshuwalansi yaulendo asanachoke kunyumba kungathandize kuti apaulendo abwerekedwe pangozi.