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Inshuwaransi Yoyenda kwa Makolo Oyendera US – Forbes Advisor

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Ngati makolo anu akukonzekera ulendo wochokera kudziko lina, ayenera kugula inshuwaransi yaumoyo kuti alipirire panthawi yomwe amakhala ku United States.

Inshuwaransi yazachipatala yoyendayenda imapereka chithandizo chanthawi yayitali kwa alendo obwera ku United States chomwe chimagwira ntchito ngati inshuwaransi yazaumoyo yaku America – ndi ndalama zochotsera, ndalama zolipirira, ndi ma network operekera – kuposa inshuwaransi yapaulendo.

Kodi alendo angagule inshuwalansi yaulendo?

Alendo akunja ku United States amatha kugula inshuwaransi yazachipatala, kapena inshuwaransi yachipatala ya alendo, kuchokera kumakampani aku U.S.

Inshuwaransi yaumoyo yanthawi yayitali iyi ndiyofunikira kwa alendo akunja chifukwa United States ili ndi ndalama zambiri zachipatala padziko lonse lapansi. Popanda chithandizo, alendo ochokera kumayiko ena akhoza kukumana ndi mavuto azachuma ngati avulazidwa kapena kuvulala ali ku United States

Kodi inshuwaransi yapaulendo imaphimba chiyani kwa makolo omwe amabwera ku US?

Mapulani a inshuwaransi yazachipatala oyenda nthawi zambiri amalipira odwala ogonekedwa ndi odwala kunja, chithandizo chamwadzidzidzi, ndi chithandizo china kuyambira kuchipatala mpaka kumankhwala operekedwa ndi dokotala.

Dongosolo lokwanira la inshuwaransi yachipatala la alendo limaphatikiza mitundu ingapo ya inshuwaransi. Izi zingaphatikizepo:

  • Inshuwaransi yachipatala yoyenda
  • dokotala wamano mwadzidzidzi
  • Kufalikira kwa Covid-19
  • Kupereka chithandizo chamankhwala mwadzidzidzi
  • Kufunika kwa zinthu zomwe zinalipo kale
  • Kufikira pakuyimitsa ndege ndi zosokoneza

Fananizani ndi kugula inshuwaransi yapaulendo

Inshuwaransi yachipatala yoyenda

Inshuwaransi yachipatala yoyendayenda ndiyofunikira kwa makolo omwe amabwera ku United States chifukwa chithandizo chathu chaumoyo ndi chokwera mtengo, ndipo apaulendo okalamba amafunikira chithandizo chamankhwala nthawi zonse.

Ngakhale ndondomeko za inshuwaransi zimasiyana, ndondomeko ya inshuwaransi yachipatala yoyendera alendo ochokera kumayiko ena nthawi zambiri imakhala:

  • chisamaliro chachipatala chadzidzidzi
  • Kusamalira anamwino kunyumba
  • chisamaliro chachikulu
  • Lab ntchito ndi X-ray
  • utumiki wa ambulansi yakomweko
  • chithandizo chamankhwala
  • Madokotala amayendera
  • Mankhwala maphikidwe
  • maopaleshoni
  • Kuyendera kuchipatala popanda nthawi yokumana
  • Kuyendera chipatala mwachangu

Dziwani kuti mapulaniwa atha kukupatsirani chithandizo chonse ngati mungapemphe chithandizo kuchokera kwa dokotala mu netiweki yawo ya pulani ya Preferred Provider Organisation (PPO), akupatseni chithandizo chochepa chabe cha ndalama zina zoyenerera kunja kwa netiweki yawo ya PPO.

Kutengera ndi dongosolo, deductibles ndi coinsurance angagwiritsidwe ntchito paulendo wanthawi yayitali inshuwaransi yazachipatala. Izi zikutanthauza kuti ngakhale mutalipira mapulaniwo, kholo lanu likhoza kukhalabe pamtengo wa madola masauzande ambiri ngati atadwala kapena kuvulala poyendera United States. Werengani ndondomeko ya inshuwalansi yaulendo wanu mosamala kuti mumvetse kuchuluka kwa ndalama zomwe abambo anu ayenera kulipira kuchokera m’thumba ngati avulala kapena akudwala.

Inshuwaransi yamano yadzidzidzi

Kuteteza mano kwadzidzidzi kungaphatikizidwe mu ndondomekoyi, ngakhale kuti malire a chithandizo amakhala otsika. Dongosolo la CoverAmerica-Gold lochokera ku VisitorsCoverage, mwachitsanzo, limapereka $250 yokha paulendo wamano, kutengera kubwezeredwa kwa $50.

Zachipatala za Covid-19

Mapulani ambiri a inshuwaransi yazaumoyo amapereka alendo apadziko lonse lapansi chithandizo cha Covid-19. Ndi pulani ya IMG Global’s Patriot America Plus, mwachitsanzo, kuyezetsa ndi chithandizo cha Covid-19 kumaphimbidwa ngati matenda ena aliwonse omwe afotokozedwa ndi mfundoyi.

Kukhala kwaokha komwe kumafunikira kwa iwo omwe apezeka ndi Covid-19 atha kuthandizidwanso ndi mapulani ena. Mwachitsanzo, phindu lobweza anthu okhala kwaokha loperekedwa kudzera ku VisitorsCoverage litha kukhala mpaka $50 patsiku kwa masiku 10 kutengera mtengo wakukhala kwaokha.

Kupereka chithandizo chamankhwala mwadzidzidzi

Kusamutsidwa kwachipatala kwadzidzidzi kumalipira mayendedwe a kholo lanu lovulala kapena wodwala kupita ku chipatala chapafupi (kapena ku bwalo la ndege lapafupi kupita ku chipatala choyenera) kuti mukalandire chithandizo ndi chithandizo chadzidzidzi.

Mukatuluka m’chipatala, chithandizochi chingakulipirenso zolipirira zoyendera pansi kapena zandege kuti mubwerere kukakhala mongoyembekezera kwa kholo lanu ku United States, kapena kudziko lakwawo.

Kufunika kowuluka ndi ndege kuti akalandire chithandizo chamankhwala kungayambitse mabilu okwera mwachangu, chifukwa chake inshuwaransi iyi ndiyofunikira kwa makolo omwe amayendera ma inshuwaransi yazachipatala ku US nthawi zambiri amapereka chithandizo chadzidzidzi chochokera kuchipatala mpaka $ 1 miliyoni, koma mapulani okhala ndi chithandizo chokulirapo. ikupezekanso.

Kufunika kwa zinthu zomwe zinalipo kale

Zinthu zomwe zinalipo kale nthawi zambiri sizimaperekedwa kwa anthu. Koma inshuwaransi yachipatala yoyendayenda imatha kuphatikizirapo chithandizo chazovuta zomwe zidalipo kale. Nthawi zambiri pamakhala zosindikiza zabwino za kufalitsa uku.

Mwachitsanzo, dongosolo la VisitorsCoverage’s CoverAmerica-Gold limapereka chithandizo chazovuta zomwe zinalipo kale mpaka malire a malamulo a anthu osakwana zaka 70. Koma kwa zaka 70 mpaka 79, kufalitsa kumangokhala $30,000. Dongosololi limachepetsanso kufalikira kwa mtima kwa angina, matenda amtima, ndi sitiroko kufika $36,000.

Kuletsa ulendo komanso kusokoneza

Mapulani ena a inshuwaransi yazachipatala amaphatikizanso zina za inshuwaransi yapaulendo, monga kuletsa maulendo komanso kusokoneza maulendo.

Mapulani a VisitorsCoverage’s CoverAmerica-Gold, mwachitsanzo, amapereka ndalama zokwana $100 pakuchedwetsa ulendo kwa maola 12 kapena kuposerapo, ndi $10,000 kuti athetse kusokonezeka kwaulendo.

Kodi inshuwaransi yachipatala yoyendayenda imawononga ndalama zingati kwa makolo obwera ku US?

Mtengo wokhazikika wa inshuwaransi yachipatala yoyenda ndi pakati pa $200 ndi $400Malinga ndi VisitorsCoverage.

Inshuwaransi yapaulendo ya makolo okacheza ku United States imasiyanasiyana malinga ndi dongosolo lomwe mwasankha komanso zaka za makolo anu ndi kutalika kwa ulendo.

Mwachitsanzo, IMG Global’s Patriot America Plus imawononga pafupifupi $212 kwa masiku 29 kuti ipezeke kwa kholo lazaka 60 loyendera United States.

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