Umshuwalense wezokwelapha ungemva kwepasipoti idokhumenti ebaluleke kakhulu yokuhamba lapho usohambweni. Kuyimfuneko edingekayo emazweni amaningi ekuvikela ezintweni ezingase zivele ngesikhathi sendiza phesheya.
Kulesi sihloko, uzofunda konke odinga ukukwazi mayelana nokuthi ungawukhetha kanjani umshuwalense wezempilo wamazwe omhlaba, ukuze uzole ezweni oya kulo futhi okukuphela kwakho ukukhathazeka ukuzijabulisa.
Uyini umshuwalense wezempilo wamazwe omhlaba?
Umshwalense ojwayelekile wezokwelapha uhlanganisa izehlakalo zezempilo zomuntu oxhumene naye ezweni abahlala kulo. Inqubomgomo enomshwalense wangasese noma enye yokuvikela umphakathi njenge-Mexican Institute of Social Security noma i-Institute of Social Security and Services of State Workers, ayidluli phesheya.
Kulezi zimo, umuntu ushiywe engavikelekile futhi kuzodingeka akhokhe ephaketheni nganoma yisiphi isigameko sezempilo phesheya.
Umshuwalense wezempilo wamazwe omhlaba uqeda imingcele futhi inkampani yomshuwalense inesibopho sokuhlinzeka ngokutholakala emazweni amaningi emhlabeni jikelele.
Umshuwalense wezokwelapha ovame kakhulu emhlabeni wonke umshuwalense wokuhamba.
Uyini umshuwalense wezempilo wamazwe omhlaba?
Umshwalense wezokwelapha wokuvakasha wamazwe omhlaba uyinkontileka yomshuwalense ehlanganisa izehlakalo zempilo yomuntu, ngesikhathi sohambo lwakhe phesheya.
Lezi zinqubomgomo zingakhokhela ezinye izindleko zezokwelapha ezifana nalezi:
- Imbuyiselo ephuthumayo ngenxa yokushona kwamalungu omndeni.
- Ukumiswa noma ukubambezeleka okungakafiki kohambo ngenxa yezizathu ezingabangelwa yisihambi.
- Ukudluliswa, ukugcinwa nokunakekelwa kwesihlobo, ukuhlinzeka ngokuhambisana esibhedlela.
- Izindleko zokushintsha amadokhumende nemiphumela yomuntu eyebiwe ngenkathi uhlala phesheya (ipasipoti, amakhadi, iselula, ilaptop nokunye).
Kungani uthenga umshuwalense wezempilo wokuhamba emhlabeni jikelele?
Yize abantu abaningi bakholelwa ukuthi umshuwalense wezempilo weziguli ezingadingekile ngoba bacabanga ukuthi mancane amathuba okuthi bawudinge ohambweni lwamaviki amabili, amathathu noma amane, banephutha.
Okulandelayo izizathu ezinhle zokuthenga umshuwalense wezempilo wamazwe omhlaba jikelele:
Ukuhamba kwandisa izingozi
Uma usohambweni udalulwa kakhulu kunangesikhathi uthuthukisa inqubo yakho edolobheni, ngoba ukusetshenziswa komhlaba, umoya nolwandle kuthuthwa, okwandisa amathuba ezingozi.
Imihlahlandlela yokuphepha osebenza ngayo edolobheni lakho ilahlekelwa ukusebenza uma ukwenye indawo.
Phakathi nohambo lwakho, ungahle uzijwayeze ukuzijabulisa kwe-adventure ezindaweni ozibonayo okokuqala ngqa.
I-jet lag izokucasula kancane futhi ungahle uphume esimeni sakho esijwayelekile izinsuku ezimbalwa. Uzodla uphuze izinto ezintsha ezingakulimaza. Uzophefumula omunye umoya futhi kungenzeka ungazizwa kahle.
Ukuhamba nakanjani kukhulisa ubungozi futhi kungcono ukumbozwa.
Awunakuhlaselwa
Iresiphi esetshenziswa abagxeki nomshuwalense wokuhamba ifaka phakathi imicabango emibili: yizinsuku ezimbalwa kakhulu zokuhamba futhi angikaze ngigule.
Yize ungaba nempilo enhle kakhulu, awukwazi ukulawula ngokuphelele ukuthi kungenzeka ingozi, ngoba izingozi azinakubikezelwa. Esikhundleni salokho, ingozi iyanda kubantu abaphilile ngoba bazimisele ukuthatha izingozi eziningi.
I-Intanethi igcwele izindaba zabahambi abakwazile ukuphuma ngokuphepha ezimweni ezingalindelekile phesheya, ngoba babenomshuwalense wokuhamba.
Akufanele ube umthwalo emndenini wakho
Abazali bahlala bezimisele ukwenzela izingane zabo konke, kepha akulungile ukuthi ubabeke esimweni esibuhlungu ngenxa yesimo esiphuthumayo onaso phesheya, ngaphandle kokutholakala komshuwalense.
Abazali baziwa ukuthi kudingeke ukuthi baqoqe noma bathengise ingxenye yempahla yabo ukubuyisa ingane elimele noma eshonile ngesikhathi sohambo lwaphesheya.
Kufanele ube nesibopho futhi uthathe izinyathelo zokuphepha uma kwenzeka okuthile kuwe ngaphandle kwezwe lakho, isimo esingaxazululwa ngaphandle kokuthinta abanye abantu ngokungadingekile.
Izinhlelo zokuhamba zingashintsha
Kungenzeka ukuthi isizathu esiyinhloko sokuthi ukhiphe umshwalense wokuhamba ukuthi uzoba edolobheni eliphephe kakhulu nokuthi awuhleleli ukwenza imisebenzi eyingozi. Kodwa-ke, izinhlelo zingashintsha futhi ngokuba lapho uya khona ungahle uthande ukwenza okuthile obekungekho kuhambo lwakho.
Isibonelo, amadolobha amaningi ase-Asia aziwa kangcono ngesithuthuthu, kuthiwani uma ukuba seHo Chi Minh City (eVietnam) noma eBangkok (Thailand) kukwenza uqashe isithuthuthu? Kuthiwani uma ufuna ukuqasha imoto ezweni lapho uhamba khona ngakwesobunxele? Izingozi zizokhula ngokungalindelekile.
Kuyisidingo ukungena emazweni amaningi
Amazwe amaningi emhlabeni adinga umshuwalense wokuhamba ukuze anikeze umgibeli ithuba lokungena. Yize izikhulu zabokufika ngokuvamile zingayiceli, zinamandla okukuvimbela ukuthi ungangeni uma ungenayo.
Ngabe umshwalense wezempilo wokuvakasha wamazwe omhlaba uhlanganisani
Umshwalense wezokuvakasha wamazwe omhlaba obiza isilinganiso esingu- € 124 sombhangqwana ohlala amasonto amathathu eSpain, ufaka:
- Usizo lwezokwelapha phesheya: € 40,000.
- Ukulimala komuntu engozini yemoto: kufakiwe.
- Ukubuyiselwa ekhaya nokuthutha, abagulayo / abangasekho: 100%.
- Ukubuya komuntu ohamba naye: 100%.
- Ukuhanjiswa kwesihlobo: 100%.
- Izindleko zokuhlala phesheya: € 750.
- Ukubuyela ngaphambi kwesikhathi ngenxa yokulaliswa esibhedlela noma ukushona komndeni: 100%.
- Ukulimala nokwebiwa kwemithwalo: € 1,000.
- Ukubambezeleka kokulethwa kwemithwalo ehloliwe: € 120.
- Ukuthuthukiswa kwezimali: € 1,000.
- Isibopho somphakathi esizimele: € 60,000.
- Ukuvikela isikweletu sobugebengu phesheya: € 3,000.
- Isiqinisekiso sezingozi ngenxa yokufa / ukukhubazeka: € 2 / 6,000.
- Ukubambezeleka ekuhambeni kwezinto zokuhamba: € 180.
Ungawukhetha kanjani umshuwalense wezempilo omhlaba ongcono kunayo yonke?
Izingozi lapho uhambela phesheya zincike esikhathini sonyaka, imisebenzi okufanele yenziwe futhi nakanjani nezwe okuyiwa kulo.
Akufani nokuya eNorway kunasezweni laseLatin America elinezinga eliphezulu lobugebengu, lapho kunezingozi ezinkulu zokweba. Futhi akufani nokuya eziqhingini zase-Antillean ngesikhathi seziphepho kunangaphandle kwaleso sikhathi.
Ukuhambela i-Yurophu ukubona amasonto ababhishobhi kwehlukile kunokuthatha uhambo lwe-bungee jumping noma ukugijima ngemuva kwezinkunzi eSan Fermín Fair ePamplona, eSpain.
Ngisho nokubheka amasonto ababhishobhi athule kukhona izingozi zezingozi. Isivakashi sashona ngawo-1980 ngenkathi sihlaselwa yibhomu lokuzibulala elaziphonsa esikhaleni, ngenkathi libabaza iCathedral of Our Lady yaseParis.
Akekho umuntu obengathenga umshuwalense ukuze azivikele kuleso sehlakalo, kepha uma uhambo lungezokuhamba esibhakabhakeni noma ezintabeni, izimo ziyashintsha.
Uhambo ngalunye lubandakanya ubungozi kanye nomshuwalense owukhethayo kufanele kube owokunikeza ukumbozwa okuhle kakhulu, ngezindleko ezifanele.
Intengo yomshuwalense wezokwelapha wamazwe omhlaba
Intengo ijwayele ukuguquguquka okubaluleke kakhulu ekukhetheni umshuwalense wezempilo wabahambi wamazwe omhlaba.
Intengo yomhlaba wonke yalolu hlobo lomshuwalense ingahle ibonakale iphakeme, kepha empeleni ugcina ukhokha ngokwesilinganiso phakathi kwamadola ama-3 kuye kwangama-4 ngosuku. Isipele esingabizi kangako ngemuva kwakho konke.
Izindleko zansuku zonke zomshuwalense zilingana nalokho ongakusebenzisa kubhiya ezimbalwa noma uswidi. Awucabangi ukuthi kufanelekile ukudela ucezu lwakho lwekhekhe ukuze uthole umshwalense?
Ukuba nomshuwalense wokuhamba kuzokuvumela ukuthi ulale ngokuthula ngokwengeziwe.
Ngingahamba nomshuwalense wokuhamba ofakwe ekhadini lami lesikweletu?
Yebo, kepha kuya ngokuhlukahluka okuningi. Kunezinto ezi-2 okufanele ucace ngazo ngaphambi kokuzibeka engcupheni yokuhamba ngokuthembela kumshuwalense wokuhamba kwamakhadi:
1. Imibandela okufanele ube nayo: Ingabe unelungelo lomshuwalense ngoba nje ungumnikazi wamakhadi noma ubophezelekile ukukhokhela amathikithi endiza, amahhotela nezinye izindleko ngekhadi? Ngabe kuyasebenza ezweni oya kulo?
2. Okufakiwe nokungahlanganisiwe: ngaphambi kokushiya kufanele wazi ukuthi ngabe umshuwalense wekhadi lakho uyazikhokhela izindleko zezokwelapha futhi uma kunjalo, yiziphi izinhlobo zezindleko zezokwelapha ezimbozayo; uma ifaka imithwalo elahlekile, njll.
Imvamisa inani lezindleko zezokwelapha zomshuwalense wamakhadi liphansi kakhulu futhi alihlanganisi okungaphezulu kakhulu kwesimo esiphuthumayo esincane.
Okubaluleke kakhulu ukwazi ukuthi yini engakufaki. Isibonelo, uma uzohambela izindawo zemidlalo ye-adventure, kuncane okusetshenziswayo komshuwalense wabanikazi bamakhadi ongenakho ukutholakala kwengozi noma okubeka ukuthi akukho ukumbozwa kwezingozi ezenzeka emisebenzini enobungozi obukhulu.
Kungaba yinto embi ukuhamba ukholwa ukuthi umshuwalense wekhadi lakho lesikweletu uhlanganisa okwenzeka ekugcineni, ukubona ukuthi akunjalo lapho unesidingo.
Yini okufanele uyibheke efaka umshuwalense wezokwelapha wokuhamba?
Okungenani, kufanele ibandakanye ukumbozwa okuhle kwezokwelapha kanye nokwenzeka kokukhishwa okuphuthumayo noma ukubuyiselwa kwezinsalela.
Ukufakwa okuhle kokwelashwa
Kunamazwe lapho ukwelashwa kungabiza izinkulungwane ezimbalwa zamaRandi ngosuku, ngakho-ke kufanele uqinisekise ukuthi umshuwalense wakho wokuhamba unezindatshana ezinhle zezindleko zezempilo nokuthi ayinazo izimo eziphikisana nohlelo lwakho lomsebenzi.
Yize kunomshuwalense wokuhamba wamazwe omhlaba oshibhile ongaphansi kwama- $ 30 ohambweni lwamaviki ama-3, kuya ngenkinga yezempilo, ukutholakala kwakho kwezokwelapha mhlawumbe akuhlanganisi izinsuku ezimbili emtholampilo.
Umshuwalense oshibhile noma ukumbozwa kwezempilo okuphansi ngeke kukusize ngalutho uma kudingeka ukuhlinzwa okuphuthumayo.
Ukukhishwa okuphuthumayo nokubuyiselwa kwezinsalela
Udaba lokuthi ungayikhetha kanjani imishwalense yezempilo yamazwe omhlaba kufanele ukhulume ngalezi zinkinga ezingathandeki ezingahlobene nenjabulo ehambisana nokuhamba; kodwa ukukhishwa ezimeni eziphuthumayo nokubuyiselwa kwezinsalela akubekelwa eceleni.
Ukubuyisa isidumbu kungabiza, yingakho ukumbozwa kokubuyiselwa kwezinsalela emshwalense wezokuhamba kuyisidingo.
Ukukhishwa ezimeni eziphuthumayo nakho kungabalulekile, kuya ngendawo oya kuyo kanye nohlelo lomsebenzi.
Ngalezi zimbozo emazingeni afanele, ungasho ukuthi unomshuwalense wezempilo wokuhamba ohloniphekile.
Ukufakwa okungeziwe
Kunezinye izenzakalo ozofuna ukuthi uzihlanganise nomshuwalense wokuhamba; uma ukwazi ukuzikhokhela, kungcono kakhulu:
- Ukwebiwa kwemali.
- Ukwelashwa okuphuthumayo kwamazinyo.
- Ukubambezeleka, ukumiswa noma ukuphazamiseka kohambo.
- Ukwebiwa kwepasipoti noma kwemibhalo yokuhamba.
- Ukulahleka kokuxhumeka komoya okubangelwa yinkampani yezindiza.
- Ukwebiwa kwemithwalo noma ukulahleka ngenxa yenhlekelele engokwemvelo.
Ungakhohlwa ukufunda ukuphrinta okuhle kwenkontileka yomshuwalense ukuze uqonde izimo zokutholakala ngakunye futhi wazi ukuthi yini ongayilindela.
Hlala wazi ukuthi izinqubomgomo eziningi azibandakanyi izingozi zotshwala nokusetshenziswa kwezidakamizwa, futhi azibandakanyi izimo esezivele zikhona.
Kwenzekani uma ngithola ingozi noma ngigula ngisekuhambeni?
Into ebhekele kakhulu ukuthi unocingo nezinye izindlela zokuxhumana nesikhungo sokunakekelwa kwezimo eziphuthumayo esinikezwe umshwalense, phakathi nohambo.
Kufanele kube yisikhungo esikwazi ukwamukela izingcingo ngezilimi ezahlukahlukene amahora angama-24 ngosuku. Ungabuyisa inani lekholi ngomshuwalense.
Abasebenzi besikhungo bazokutshela ukuthi uqhubeka kanjani. Uma kungenakwenzeka ukuthi uthinte umshwalense noma ungafuni ngoba kuyisimo esiphuthumayo esincane, ungayixazulula inkinga uwedwa bese uphendulela umshwalense umthethosivivinywa.
Uma uke wakwazi ukukhokha lolu hlobo phambilini, uzokwazi ukuthi ukuqoqa kufanele ugcine konke ukuxilongwa, izivivinyo, izaphulelo namaphepha akhiqizwe ngesikhathi senqubo.
Gcina wonke amaphepha ngokwasemzimbeni bese uwaskena ukuze abe nesipele futhi enze izimpahla ezithunyelwa ngogesi.
Okunye ukuguquguquka okufanele kucatshangelwe yimali ebanjwayo noma inani elizothwalwa ngabanomshwalense wesimangalo.
Uma umthethosivivinywa wakho wezokwelapha ubungu- $ 2,000 kanti owehliswayo ungama- $ 200, umshwalense uzokukhokhela imali efinyelela ku- $ 1,800.
MAPFRE umshwalense wezokwelapha wamazwe omhlaba
I-MAPFRE BHD International Health Insurance ingumkhiqizo owenzelwe ukunikela ngokuvikelwa phesheya, ngenethiwekhi ebanzi yabahlinzeki bomhlaba abahlinzeka ngosizo lwezempilo olunzulu nolusezingeni eliphezulu.
IMAPFRE BHD inezinhlelo ezahlukahlukene zokuhlanganisa ngezinketho ezahlukahlukene ezingadonswa, ezibandakanya:
- Izindleko ezinkulu zokwelashwa.
- Ukulaliswa esibhedlela nokubeletha.
- Izifo ezizalwa nazo.
- Izifo zengqondo nezinzwa.
- Ukufakelwa komzimba.
- Ukunakekelwa kwempilo yokuhlala.
- Izinsizakalo zezokwelapha.
- Ukwelashwa ngamakhemikhali nokwelashwa ngemisebe.
- Ukubuyiselwa kwezidumbu.
- Umshuwalense Wokufa nangengozi.
- Usizo lokuhamba.
Yimuphi umshwalense wezokwelapha ongcono kunayo yonke obhekene nayo?
I-Cigna neBupa Global yizinketho ezimbili ezinhle kakhulu ngokwesithunzi somshwalense wezokwelapha phesheya, ngaphezu kwe-MAPFRE.
I-Cigna
Inkampani yaseMelika esendaweni yesihlanu yabomshuwalense abahamba phambili emhlabeni, enamalungu angaphezu kwezigidi ezingama-20.
Inikezela ngezinsizakalo zayo zezokwelapha ngeCigna Expat Health Insurance, enezinhlelo eziguquguqukayo zomuntu ngamunye nezomndeni zosizo lwezokwelapha, ezivumelaniswa nezidingo zeklayenti.
Ngokusebenzisa inethiwekhi yeCigna, abanomshwalense bayakwazi ukufinyelela ochwepheshe abahle kakhulu nezikhungo zezokwelapha emhlabeni wonke futhi esimweni esingalindelekile sokuthi bakhokhele ukwelashwa kwabo ngqo, bazobuyiselwa imali yabo zingakapheli izinsuku ezi-5, ngokuzikhethela phakathi kwezimali ezingaphezu kwe-135.
Bupa Global
Omunye wabashuwalense baseBrithani ababaluleke kakhulu emhlabeni ohlinzeka ukufinyelela okusheshayo ezinsizakalweni zezokwelapha zomhlaba wonke ezihamba phambili.
Uhlelo lwakho lomshuwalense, Izinketho Zempilo Yomhlaba Wonke, lukuvumela ukuthi ukhethe ukumbozwa komuntu siqu nomndeni okufanela iklayenti, ngokuthola izindlela zokwelashwa ezihamba phambili nomaphi emhlabeni.
IBupa Global ibuye inikeze ngezeluleko zezokwelapha ezingamahora angama-24 ngezilimi eziningi, kufaka phakathi iSpanish nesiNgisi.
Uyini umshuwalense wokuhamba omuhle kakhulu eYurophu?
Umshwalense wezokwelapha wokuya eYurophu kumele uhlangabezane nezimfuneko ezi-3:
1. Ukubuyiselwa ekhaya.
2. Isamba esivikelekile.
3. Ukufunda ngesikhathi nasensimini.
Ukufunda ngesikhathi nasensimini
Yize kubonakala kusobala ukuthi umshwalense wezokwelapha wamazwe omhlaba kufanele ukhokhele ozuzayo ngenkathi behlala phesheya, akunjalo, ngoba ezinye izinkampani ziyawakhipha amazwe athile ukwenza imikhiqizo yazo ishibhile. Kufanele uqinisekise ukuthi zonke izindawo oya kuzo ziyahlanganiswa.
Uqinisekisile uSum
Uma uya eYurophu isamba kufanele okungenani sibe ngu- € 30,000.
Ukubuyiselwa ekhaya
Umshuwalense wokuvakasha kumele ubandakanye ukubuyiselwa ekhaya, okuhlala noma okushonile. Ngaphezu kokubiza, ukudluliswa kwezidumbu ezigulayo, ezilimele kanye nezokufa, kusho umthwalo ongokomzwelo nowezimali emndenini womuntu othintekile, uma bengenawo umshuwalense wokukumboza.
Zonke izinkontileka zomshwalense wokuvakasha ezisemthethweni eYurophu kumele zihlangabezane nale mibandela. Kusukela lapho kuya phambili, kufanele uthenge leyo enokutholakala okuhle kakhulu futhi evumelana nezidingo zakho ngezindleko ezifanele.
Ungawuthenga kanjani umshuwalense wokuhamba oshibhile eYurophu?
IGo Schengen inikeza izinqubomgomo ezisuka ku- € 17 nezinsuku eziyi-10 ukuhamba ngeSchengen Area, indawo ye-European Union eyenziwe ngamazwe angama-26 okuthi ngo-1985 yasayina edolobheni laseSchengen laseLuxembourg, isivumelwano sokuqeda izilawuli emingceleni yangaphakathi, sizidlulisele imingcele yangaphandle.
Lawa mazwe yiSpain, Italy, Portugal, Austria, Germany, France, Belgium, Denmark, Greece, Slovenia, Estonia, Finland, Holland, Hungary, Iceland, Iceland, Latvia, Lithuania, Malta, Norway, Poland, Slovak Republic, Czech Republic, Switzerland , Sweden, Luxembourg naseLiechtenstein.
Inqubomgomo ye-Schengen engu- € 17 nezinsuku eziyi-10, isebenza endaweni yaseSchengen
Kubandakanya:
- Izindleko zezokwelapha nezempilo: kufika ku- € 30,000.
- Izindleko zamazinyo: kufika ku- € 100.
- Ukubuyiselwa ekhaya noma ukuthuthwa kwezokwelapha kwabalimele noma abagulayo: akunamkhawulo.
- Ukubuyiselwa ekhaya noma ukuthuthwa koshonile kunikwe umshwalense: akunamkhawulo.
Inqubomgomo ye-Schengen engu- € 47 nezinsuku eziyi-9, isebenza endaweni yaseSchengen nasemhlabeni wonke
Lo mshuwalense wabahambi wamazwe omhlaba uhlanganisa:
- Izindleko zezokwelapha nezempilo: kufika ku- € 65,000.
- Izindleko zamazinyo: kufika ku- € 120.
- Ukubuyiselwa ekhaya noma ukuthuthwa kwezokwelapha kwabalimele noma abagulayo: akunamkhawulo.
- Ukubuyiselwa ekhaya noma ukuthuthwa koshonile kunikwe umshwalense: akunamkhawulo.
- Insiza yendawo yemithwalo.
- Umshuwalense Wezikweletu Zomphakathi: kufika ku- € 65,000.
- Ukuhamba komndeni ngenxa yokulaliswa kwabanomshwalense: akunamkhawulo.
- Ukweba, ukulahleka noma ukulimala kwemithwalo: kufika ku- € 2,200.
- Ukunwetshwa kokuhlala ehhotela ngenxa yokugula noma yengozi: kufika ku- € 850.
- Isinxephezelo ngengozi yokuhamba: kufika ku- € 40,000.
Uyini umshuwalense wokuhamba amazwe omhlaba wonke wabantu baseMexico?
I-InsuranceMexico inezinhlelo zosizo lokuhamba nge-Aravelavelaid.com. Phakathi kwemikhiqizo yayo kukhona:
Atravelaid GALA
Kufaka ukumbozwa kwamadola ayi-10,000, 35,000, 60,000 kanye ne-150,000 (ukubikwa kwezokwelapha nokwamazinyo ngaphandle kokudonswa).
- Insizakalo yocingo oluphuthumayo yamahora angama-24 ngezilimi eziningana.
- Ukubuyiselwa kwezokwelapha nezempilo.
- Isibopho sezomphakathi, usizo lwezomthetho namabhondi.
- Ukukhubazeka nokufa ngengozi.
- Umshuwalense wemithwalo.
- Akukho mkhawulo wobudala ongafika eminyakeni engama-70 (kusuka kuma-70 izinga liyashintsha).
I-Atravelaid Euro Pax
Lo mshuwalense usebenza ukuhambela endaweni yase-European Schengen yabantu abangaphansi kweminyaka engama-70 ubudala. Kufaka phakathi amathuba okuthola inkontileka phakathi kwezinsuku ezi-1 nezingama-90, ukumbozwa kwe- € 30,000 ngezindleko zokwelashwa ngaphandle kokudonswa, ukubuyiselwa kwezokwelapha nezempilo, isikweletu somphakathi, usizo lwezomthetho nolwezimali nokukhubazeka nokufa ngengozi.
Ungawuthenga kanjani umshuwalense wezokwelapha ngokutholakala kwamazwe omhlaba eMexico?
Ungafaka i-portal ye-MAPFRE, i-Cigna noma omunye umshwalense wentshisekelo yakho futhi uthole isilinganiso se-inthanethi ngemizuzu embalwa.
EMexico, i-MAPFRE inamahhovisi eMexico City (Col. San Pedro de los Pinos, Col. Cuauhtémoc, Col. Copilico El Bajo, Col. Chapultepec Morales), State of Mexico (Tlalnepantla, Col. Fracc San Andrés Atenco), eNuevo León (San Pedro Garza García, Col. del Valle), Querétaro (Santiago de Querétaro, Col. Centro Sur), Baja California (Tijuana, Col. Zona Río), Jalisco (Guadalajara, Col. Americana), Puebla (Puebla, Col. . La Paz) neYucatán (Mérida, Col. Alcalá Martín).
Ukukhetha Umshuwalense Wezempilo Wamazwe Omhlaba: Izikhumbuzi Zokugcina
Kungakhathaliseki ukuthi iyiphi inkampani oyikhethayo ukuthenga umshwalense wakho, ungalokothi ukhohlwe okulandelayo:
1. Qiniseka ukuthi unikeza ukumbozwa okuhle ngobungozi obukhulu ozohlangabezana nabo.
2. Yazi ngokuningiliziwe ukuthi umshwalense wakho awufaki ini nemibandela yokuthola izinzuzo zalokho okubandakanyayo.
3. Bheka kahle isamba esifakwe umshwalense. Umshwalense oshibhile uthatha lezi zimali uzifake ezibalweni ezibonakala njengemali eningi eLatin America, kepha zincane ukunakekelwa kwezokwelapha eYurophu nakwezinye izindawo.
4. Ungalibali ukuthenga umshuwalense. Uma uyithenga ngomzuzu wokugcina futhi uma inqubomgomo isungula isikhathi sokuqala sokuthi "akukho ukumbozwa", ungavikeleka phakathi nezinsuku zokuqala zokuhamba.
5. Khumbula ukuthi okushibhile kuyabiza. Kunezindlela eziningi zokonga izindleko ohambweni, kepha umshuwalense akuwona umqondo omuhle.
Lokhu kube wulwazi okufanele ukwazi ukuthi ungayikhetha kanjani umshwalense wezempilo wokuvakasha wamazwe omhlaba. Siyethemba ukuthi izoba wusizo olukhulu kuwe, ngakho-ke sikumema ukuthi uyihlanganyele nabangani bakho kumanethiwekhi omphakathi.
