Inshorensi abakhulelwe xa kusiyiwa phesheya: iimpawu zoyilo, iimbono kunye nohlolo

Okwangoku kwilizwe lethu kukho iinkampani ze-inshorensi baninzi azimiseleyo ukunikezela iinkonzo eziyimfuneko nangaliphi na ixesha. Insurance oomama abakhulelweyo - ngumsebenzi eyahlukileyo, apho UK kuthatha kabuhlungu kakhulu. yonke Ingongoma kukuba abafazi abakhulelweyo basengozini kakhulu ngakumbi xa kuthelekiswa nezinye iindidi abemi, ingakumbi xa kufikwa uhambo olude. Ngapha koko, nayiphi na lwempilo olungxamisekileyo isoyikiso kubomi idaliwe kuphela umfazi kodwa umntwana wakhe ongekazalwa. Yiloo nto kuphela nje ezimbalwa iinkampani ze-inshorensi lokubeleka ithwala xa eya phesheya.

Inzuzo ye-inshorensi

Insurance ekhulelwe xa becwangcisa iholide ngaphandle kwilizwe labo ikhaya inikeza ezininzi iingenelo.

Oku kuquka iinkqubo zilandelayo inshorensi:

• LCA oomama abakhulelweyo;
• inshorensi lokukhulelwa kunye zokubeleka xa uye kwilizwe langaphandle;
• i-inshorensi yezempilo ngamazwe.

Ukuze sicacelwe yintoni iingenelo uhlobo ngalunye kwenkqubo ye-inshorensi, kuyimfuneko ukuba ukucacisa phezu kwabo.

inshorensi yonyango ngokuzithandela ukuba abasetyhini abakhulelweyo

LCA yenye yezi ntlobo uthandwayo imigalelo kwilizwe lethu.

Le inshorensi yokuhamba kumabhinqa akhulelweyo kwamanye amazwe, unako ukubala, ngokoluvo iingcali 'kwi:

• Iinkonzo zonyango Free;
• ithuba lokuba aye aphume ukuze iinkqubo zokuxilonga;
• ugqirha free onokufumaneka ekhaya;
• Free utyelelo wamazinyo.

VHI isebenza onke amazwe aseYurophu ukuba yinxalenye yommandla Schengen, ngoko eyenza kulo, ufumana isiqinisekiso epheleleyo yokuba uya kusoloko kunikwa unyango kwizinga eliphezulu simahla.

Insurance lokukhulelwa kunye zokubeleka xa ndisiya phesheya

Ukwenza olu hlobo lwe-inshorensi kunzima kakhulu, ekubeni inkoliso inshorensi musa ukunika iinkonzo ezinjalo. Ukongeza, le inshorensi kumabhinqa akhulelweyo xa ndisiya phesheya ukulinganiselwa ezithile. Oku kungenxa yokuba amabhinqa, umntwana ongekazalwa abakhuselekanga kwiingozi ezininzi kangaka. Njengoko kuchaziwe ukubuyekeza, imiqathango inshorensi zimiselwa ngamnye, kodwa umgaqo-nkqubo ayisekho zivumeleke kwiveki 25 yokumitha olungekazalwa.

Insurance Health International

MMS yenye yeenkqubo ezininzi ezikumgangatho ophezulu kunye inshorensi ezibanzi, kuquka uluhlu inkulu iinkonzo.

ungakwazi Phantsi kwalo mgaqo umama okhulelwe singafumana oku kulandelayo:

• unyango olungxamisekileyo;
• scan lokugoqa amaxesha, uthethwano kunye nonyango na ilizwe;
• equka zonke iindleko ezinxulumene nokukhulelwa kunye zokubeleka;
• ithuba lokukhetha nasiphi na isibhedlele, ugqirha kunye isicima lokubeleka;
• esibhedlela olungxamisekileyo kwimeko zokubeleka kwakunye ntlungu free;
• ukuhlala free esibhedlele emva kokubeleka, kwakunye unyango kuyimfuneko, xa kukho imfuneko.

Ngoko ke, ukuba ngaba kwi kade inqanaba ukukhulelwa, kwaye uceba ukuya kwamanye amazwe, ngoko ke i-inshorensi yezonyango zohambo amazwe ukhulelwe isisombululo egqibeleleyo.

Nayiphi na inkcitho engakhankanywanga inshorensi kwabasetyhini abakhulelweyo?

Women in ukubuyekeza kwabo badla sinikele ingqalelo into yokuba akukho namnye iinkqubo oomama inshorensi musa yokugubungela ndidi zilandelayo beendleko:

• isisu;
• waphuma isisu.

Ngokuphathelele yokugqibela, ipolisi ye-inshorensi iquka iindleko ezinxulumene ukuzalwa ngaphambi kwexesha, ukuba lwenziwa ngenxa isoyikiso empilweni kunye nobomi umama okanye umntwana.

Izithintelo nkqubo isenzo age sokukhulelwa

Inkqubo-inshorensi yempilo eqhelekileyo kuquka equka zonke iindleko ezinxulumene ukukhulelwa, ezizezi ukunikwa unyango olungxamisekileyo ukuba impilo kunye nobomi olungekazalwa okanye unina lusengozini. Noko ke, lo mgaqo-nkqubo isebenza kuphela de kwiveki weshumi lokukhulelwa, emva koko kuya kucinywa. Oku sicaciswa gca kule mvumelwano, kuba inshorensi akafuni ukuba bathathe imingcipheko eyongezelelweyo.

inshorensi ezandisiweyo ngokushiya phesheya wamitha iquka iindidi phi yenkcitho, ukuya ku-31 iiveki yokumitha. Ubukhulu-inshorensi kwi-inshorensi, iingcali zithi, ingahluka euro-10 ukuya ku-50 amawaka.

Action phezu kukuvela iziganeko insured

Ukuba, ngethuba ehleli phandle kukho nasiphi na isiganeko benefits, ebonelelwe isivumelwano, ukuba uqhagamshelane ne-inshorensi kwesinye amanani adweliswe kule nkqubo, kwaye ukubonelela idatha yabo, inombolo-inshorensi, kwakunye nedilesi ngqo indawo okuyo. Abameli ziyafumaneka 24/7, ukuze ukwazi ukufumana uncedo nangaliphi na ixesha lemini okanye ebusuku. Inshorensi yokuhamba phesheya abakhulelwe angenela kweliso epheleleyo umxhasi lonke ehleli e kwiziko lonyango.

Okukhomba ingqalelo xa ukhetha inkqubo-inshorensi?

Sicinga ukuba uhlobo hlelo inshorensi yokuzikhethela, umama okhulelweyo kufuneka ithathele ingqalelo ezi ngongoma zilandelayo:

• kweliphi na inqanaba ukukhulelwa kwabantwana uya kukhutshwa-inshorensi;
• isixa iintlawulo ze-inshorensi;
• ngayo ukuhlala elide kangakanani kwilizwe langaphandle-nkqubo.

Akukho ibaluleke kangako ke igama kunye nokuthembeka-inshorensi, kodwa imiba ezidweliswe ngasentla ezingundoqo.

gama Policy

Nawuphi inshorensi kumabhinqa akhulelweyo xa kusiyiwa phesheya kolwandle, nokuba iintlobo; esebenzayo iinyanga ezili-12 ukusukela kumhla wokutyikitywa kwesivumelwano phakathi zeinshorensi kunye insurer. Kule meko intlawulo eyenziwe ngokupheleleyo ngexesha lokusayina amaxwebhu. lo mgaqo-nkqubo usebenza kuzo zonke isixhaso aphesheya, ukususela mzuzu zokunqumla umda kunye nesiphelo kunye ukubuyela kwilizwe lawo. Ukuba uceba ukuhamba rhoqo phesheya, unako ukugqiba isivumelwano inshorensi ngexesha elinye-ixesha leenyanga ezili-12 kwaye kuhambo zonke ukusebenzisa iinkonzo inshorensi.

A amagama ambalwa malunga imigibe

nkqubo nganye inshorensi okhulelweyo xa kusiyiwa phesheya likhusele iingozi ezithile kwaye inika ingxelo yokuba izinto ezithile yenkcitho, ke ngoko, ukuba babe besengxakini, kucetyiswa ukuba ufunde isivumelwano inshorensi kwi yomhombiso wakhe. ingqalelo ekhethekileyo kufuneka inikwe kwezinye iimeko awaziwa yi-inshorensi.

Uninzi-inshorensi iya kuhlawula iindleko ezinxulumene esibhedlele umama okhulelwe esibhedlele, ukuba kuvela imfuneko, kwakunye ukuqeshwa kuqala inkqubo engxamisekileyo diagnostic. Kulo mzekelo, zonke iindleko ezinxulumene nonikezelo kunye nesiqulatho umama nomntwana esibhedlele, isisu okanye ukuzalwa ngaphambi kwexesha, na babuyekezwe, ngaphandle kokuba sele ampontshwe busebenza ngenxa isoyikiso empilweni kunye nobomi umama okanye umntwana.

Yintoni yeinshorensi kungcono ukukhetha?

Ngelishwa, kurhwebo lwasemakhaya, iinkampani ezininzi zibonelela ngeenkonzo inshorensi kumabhinqa wozeleyo inkwenkwe yaye Ndizakuhamba phesheya. Edreyi Industry bakhetha ukuba ngumntu ngale ndlela ngenxa yokuba semngciphekweni kakhulu. Nakuba kunjalo, kukho ezinye inshorensi, apho uya kukhutshwa inshorensi kumabhinqa akhulelweyo xa uhambela phesheya.

"Liberty Mutual"

Omnye wenkokheli Russian kubonelelo ngeenkonzo ze-inshorensi. I insurer inika abathengi inkqubo "Standard", nto leyo evumela kuyibiyela oomama abakhulelweyo kunye nobudala sokukhulelwa, ukuba ingagqithi kwiiveki ezilishumi elinesibini. Umthamo iintlawulo inshorensi-20, 50 ne-100 lamawaka euro. Ukwenza inshorensi iiveki ezimbini, apho isenzo luyasebenza kulo naliphi na ilizwe ndawo Schengen yi eliwaka engange.

"Imvume"

Inkampani esincinane inika oomama abakhulelweyo ucwangciso olukhethekileyo ekuvumela ukuba inshorensi ngokwabo ebudeni bokuhlala kwabo njengabaphambukeli kwilizwe lasemzini ekhulelwe ukuya kwiiveki ezingama-24. Lo mgaqo-nkqubo ubandakanya zonke inkcitho enxulumene unyango kunye ekufumaniseni ezimbi ezahlukeneyo, isisu kwimeko kusisisongelo kubomi sikanina, kunye nemisebenzi ulondolozo yokukhulelwa. Zesixa sentlawulo inshorensi 5,000 euro.

"Ingosstrakh"

Inshorensi ukuba kwamanye amazwe akhulelwe ngo "Ingosstrakh", ukongeza izinto eziphambili yenkcitho, ibandakanya iinkonzo zonyango kunyango negazi, ngokunjalo tikaka. Isixa intlawulo kuba 30, 50 okanye 100 000 000 EUR okanye USD.

IHI Bupa

Le yinkampani enkulu inshorensi Danish, ngokubonelela iintlobo imigalelo ehlabathini lonke. Inshorensi ukuba xa ukhulelwe ukuya kwamanye ukusuka IHI Bupa iquka zonke iindleko ezinxulumene ne ngokunikwa unyango olungxamisekileyo oomama abakhulelweyo, ubudala sokukhulelwa seeveki engaphantsi kwe-36.

Ukwenza ipolisi ye-inshorensi nge-intanethi

Ukuba uceba iholide kwelinye okanye uhambo ishishini, kodwa ke ixesha lokuba aye kwi-ofisi yenkampani apho, i-inshorensi kumabhinqa akhulelweyo xa kusiyiwa phesheya uya kukhutshwa online. Ukuza kuthi ga ngoku, kukho nkonzo inikezelwa kuzo zonke zontathu kwiinkampani zasekhaya:

1. "Inkululeko" - inshorensi koomama abakhulelweyo kunye nobudala sokukhulelwa seeveki-12, xa uhambela phesheya.
2. "Rosgosstrakh" - inkqubo-inshorensi lokubeleka ezisisiseko kunye ixesha kwiiveki ukuya ku-31 zokukhulelwa, ebandakanya iindleko yokubonelela ukhathalelo lwezonyango olungxamisekileyo.
3. "European Travel Insurance" - ubonelela ngeenkonzo inshorensi koomama elizayo, ubudala sokukhulelwa seeveki engaphantsi kwe-31. Ukongeza neendleko inshorensi yomngcipheko ezisisiseko ezinxulumene ukuzalwa ngaphambi kwexesha, kwakunye kukhathalelo lwempilo kunye umxholo usana esibhedlele.

Kuba nkqubo yokubhalisa kufuneka uye kwi website esemthethweni ye-inshorensi, ugcwalise ifomu uze wenze intlawulo phantsi kwesivumelwano inshorensi.

Ukukhupha ipolisi ye-inshorensi ngaphandle phesheya okanye hayi - yinto ishishini wonke. Kodwa ke kubhetele ukuba mithi, ngokuba nantoni na enokwenzeka, nantoni na.