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Chifukwa chiyani ndikufunika inshuwaransi yapaulendo?

Osataya ndalama kapena kupsinjika chifukwa chakuchedwa, kuletsa, kapena zovuta zina zodula.

Zithunzi za Felix Cesar / Getty


Inshuwaransi yoyenda singakhale nthawi zonse zomwe zimakudetsani nkhawa kwambiri mukasungitsa tchuthi – koma ziyenera kukhala, makamaka ngati mukufuna. Kuyenda kunjapa nthawi ya tchuthi Kapena kukonzekera kusamuka kwa nthawi yayitali.

Komabe, zifukwa Gulani inshuwaransi yapaulendo Zochuluka ndipo siziyenera kungokhala pazikhalidwe zomwe zili pamwambazi. Pamapeto pake, inshuwaransi yoyenda imatha kuteteza ulendo wanu pazifukwa zosiyanasiyana. Choncho, simudzataya 100% ya ndalama zanu ngati chinachake chosayembekezereka chikachitika. Ingoperekani chiwongola dzanja, tumizani malisiti kwa wopereka chithandizo, ndikubwezeredwa.

Osataya ndalama kapena kupsinjika chifukwa chakuchedwa, kuletsa, kapena zovuta zina zodula. Ngati mukukonzekera kuyenda posachedwa, yambani kugula inshuwalansi yaulendo lero!

Ichi ndi chifukwa chake muyenera kupeza inshuwaransi yoyendera

Monga tafotokozera, pali zochitika zambiri zomwe mungafune kugula inshuwaransi yaulendo ngati zosunga zobwezeretsera ngati china chake chalakwika. Inshuwaransi yoyendayenda ingathandize pakachedwa, kuletsa, kutaya kapena kuwonongeka kwa katundu, komanso ndalama zachipatala (malingana ndi chithandizo).

Nazi zifukwa zazikulu ziwiri zopezera inshuwaransi yapaulendo:

  • Kufunika kwachipatala
  • Kuletsa ulendo

Kufunika kwachipatala

Tiyeni tiyambe ndi chifukwa chabwino: maiko ena amafunikira kale inshuwaransi yapaulendo, makamaka chithandizo chadzidzidzi chachipatala ndi kuthawa kuchipatala. Onetsetsani kuti mwayang’ana mosamala ndi dziko kapena mayiko omwe mukupita kuti muwone ngati ali ndi zofunikira za inshuwalansi.

“Bungwe la Emergency Medical Benefit lingakutsimikizireni kuti simuli ndi mlandu wolipira ndalama zambiri zachipatala pakagwa mwadzidzidzi paulendo wanu. ndalama zoyendera dokotala, ndalama zolipirira zipatala, chithandizo cha ma ambulansi, ndi zina zambiri,” Squaremouth, msika wa inshuwaransi yoyendera ku US, imalimbikitsa kuti apaulendo alandire ndalama zosachepera $50,000 pazachipatala.

musachedwe! Lowetsani zambiri zaulendo wanu waulendo wa pandege ndi apaulendo kuti muwone mapulani ambiri a inshuwaransi yamaulendo omwe tsopano akuphatikiza chithandizo chamankhwala. Nawa ena mwa othandizira inshuwaransi yapaulendo.

Inshuwaransi yoyenda ndichinthu chomwe US ​​imalimbikitsanso pakagwa vuto lachipatala chifukwa Medicare ndi Medicaid mwina sangabwere kudzalipira ngongole zachipatala kudziko lina. “Ngakhale dziko litakhala kuti lipereka chithandizo chamankhwala kudziko lonse, silingathe kulipira anthu omwe si nzika,” inatero bungwe la Centers for Disease Control and Prevention (CDC).

CDC ikugogomezera kuti apaulendo omwe akukonzekera kukakhala miyezi isanu ndi umodzi kapena kuposerapo kudziko lakunja kapena kuchita zinthu zomwe zili pachiwopsezo chachikulu monga kudumpha m’madzi kapena kukwera ndege ayenera kuika patsogolo kupeza inshuwaransi yachipatala. Zindikirani kuti Zaumoyo zomwe zinalipo kale Nthawi zambiri siziphatikizidwa m’mapulani a inshuwaransi yaulendo, choncho onetsetsani kuti mwagula ndondomeko yomwe imaphatikizapo ngati mukuyifuna. Squaremouth akuti ndondomeko yokhala ndi mikhalidwe yomwe inalipo kale imapezeka masiku 14 mpaka 21 mutalipira ulendo wanu woyamba.

“Anthu ena amaganiza kuti atha kupita kudziko lina ndi khadi lawo la inshuwaransi yaumoyo kuti akalandire chithandizo, koma sizili choncho nthawi zonse,” a Kathleen Bangs, katswiri wofufuza za ndege pa webusayiti ya Flight Aware, adauza kale. adauza CBS News. “Lankhulani ndi kampani yanu yazaumoyo ndikumvetsetsani zomwe mumapereka ngati mutapita kunja.”

Kuletsa ulendo

Kuletsa ulendo nthawi zambiri ndi chimodzi mwazifukwa zofala zomwe apaulendo amatenga inshuwaransi.

CDC ikunena pa intaneti kuti “inshuwaransi yoletsa maulendo imaphimba ndalama zanu paulendo wanu, monga maulendo apaulendo, maulendo apanyanja, kapena matikiti a sitima.” “Yang’anani ndondomekoyi mosamala kuti muwonetsetse kuti ikukwaniritsa zomwe mukufuna, kuphatikizapo kusiya ngati inu kapena wachibale wanu wadwala.”

Mtundu uwu wa inshuwaransi uli ndi zabwino zambiri: kusinthasintha, mtendere wamalingaliro ndi chitetezo chandalama ngati mungafunike kusintha mapulani anu kwa nthawi yayitali. Mndandanda wazomwe zimayambitsa. Poyang’ana m’mbuyo, ndizotsika mtengo, zomwe zimawononga pakati pa 5-10% ya ndalama zonse zaulendo wanu. Kuphatikiza apo, muli ndi nthawi yowunika mapindu, chifukwa kuletsa ulendo kumatha kugulidwa mpaka maola 24 musanayambe tchuthi chanu.

Dinani apa kuti mufananize ogulitsa ndi inshuwaransi zonse zomwe zikuphatikizidwa ndi kuletsa maulendo.

Ingokumbukirani kuti izi sizofanana ndi mfundo ya Cancel For Any Reason, yomwe ndi yokwera mtengo kwambiri, yomwe imakulitsa ndalama zanu pafupifupi 40-50%, pa SquareMouth. Iyeneranso kugulidwa pasadakhale – mkati mwa masiku 14 mpaka 21 kuchokera tsiku loyambira kusungitsa.

osachepera

Inshuwaransi yapaulendo imathandiza kuteteza mtengo waulendo wanu ndipo imathanso kukuthandizani kupewa ngongole zazikulu zilizonse zomwe zingabwere pakachitika ngozi kapena matenda mosayembekezereka paulendo wanu. Monga inshuwaransi yazaumoyo, inshuwaransi yoyenda iyenera kuonedwa ngati yofunika nthawi zambiri.

Zowonadi, inshuwaransi yoyenda ingathandizenso kuchepetsa zovuta zilizonse, kukulipirani zinthu monga chakudya ndi zofunika zina panthawi yochedwa kuyenda, katundu wotayika kapena zinthu zabedwa (mpaka kuchuluka kwake) ndi kupitirira apo, koma zinthu zodula kwambiri monga chithandizo chamankhwala ndi kuletsa ulendo. ayenera kukhala pamwamba pa mndandanda. Kupatula apo, muyenera kuyang’ana kwambiri kupeza chithandizo chamankhwala nthawi iliyonse yomwe mukuchifuna – osati ndalama zambiri zachipatala.

Liti Sankhani kampani ya inshuwaransi yoyenda Onetsetsani kuti mukuwunika mtengo, mitundu ya zopindulitsa, kuphimba komwe kukuphimbidwa, ndi mbiri ya kampani. Yambani kufananiza mitundu ya inshuwaransi nthawi imodzi ndi msika wosavuta kugwiritsa ntchito pa intaneti.

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