Iholide .... Ixesha elimangalisayo. Enyanisweni, abantu abaninzi bayichitha ekhaya, kwindlu yendlu okanye xa beshiya imvelo. Kodwa akukho ngaphantsi inani labantu abafuna ukulichitha ngaphandle. Omnye ufuna ukutyelela iYurophu endala, umntu uthandwa ngamabhishi azinxweme asemzantsi, kwaye umntu uthandwa ngumlenze oqhelekileyo empuma. Kwimeko nayiphi na into, balungiselela uhambo ngaphambili, konke ukubala nokuhlawula. Akuqhelekanga ukulungiselela uhambo olufunayo ukuqala ngonyaka. Nangona kunjalo, ubomi bethu bunzima kwaye bunzima. Izicwangciso zinokutshintsha ngokoqobo kwinqanaba elinye, kwaye uhambo luya kuphuka. Ngokuqhelekileyo, oku kuphazamisa abantu. Ngelo xesha, umonakalo owonakele awusiyo kuphela umphumo wokwala ukuhamba. Esi siganeko siquka ukulahleka kwezinto eziphathekayo. Kanciphisa iipilisi ezibuhlungu zokudumala ziya kuphumelela xa uthenge i-inshurensi malunga nokuhamba kwi-tourpot. Uninzi lwabaqhubi bezotyelelo bancoma ukuba basayine i-inshorensi ngokungahambanga. Ngokuqhelekileyo bayakwenza ngokukhawuleza. Nangona kunjalo, oku akuyimfuneko, kwaye uyaqiniseka ukuba akukho nto iya kukuthintela ekubeni wenze uhambo, awukwazi ukubhalisa. Nangona kunjalo, kule meko kuyimfuneko ukubhala ukukhutshwa kwee-inshorensi ngokuchasa ukushiya. Ngaloo ndlela, i-ejensi yokuhamba iyazama ukuzikhusela xa ungeke uhambe ukuyibanga.
Yintoni efunyenwe yi-inshurensi yokushiya ikhaya?
Ukuba, nangona kunjalo, kwenzeka into engalindelekanga, kwaye awukwazi ukuhamba, inkampani yomshuwalense iya kukubuyisela iindleko ezenziweyo. Emva kokuba isivumelwano se-inshurensi senziwe kwaye zonke iintlawulo zenziwe, ukhenketho xa kungabikho ukuhamba uye unelungelo lokubuyisela iindleko ezipheleleyo zohambo kunye neendleko ezihambelana nazo.
Ndifumana nini i-inshurensi?
Kubalulekile ukuba uqaphele ukuba akukho onke amacala awela phantsi kwe-inshurensi. Ukuba unqumla i-flight yakho okanye awukwazi ukubiza iteksi uhambo oluya kwisikhumulo se-moya, ngoko ke awuyi kufumana i-inshurensi. Izizathu eziphambili zokufumana umvuzo zi:
- Ukufa kwezihlobo ezikhuselekile okanye ezifutshane;
- ukulimala ngokukhawuleza okanye ukugula komntu onesiqinisekiso okanye izihlobo eziseduze, ezibandakanyeka kwizibhedlele. Ngendlela, ukuba ubeka i-plaster uhambe ekhaya okanye unesilonda esingapheliyo, akuyi kubakho i-inshorensi;
- ukuba xa kwenzeka kwintlekele yendalo okanye umsebenzi wezobugebengu isakhiwo somntu okhuselekile sizakonakaliswa. Kule meko, le meko imele ikhuphe ukuhamba kwakhe;
- kwimeko yokubiza umntu onesiqinisekiso enkundleni njengommangalelwa okanye ummangali;
- umnxeba wenkonzo kwimigangatho yemikhosi;
- wenqatshelwe ukufumana okanye ukukhutshwa ngokungafanelekanga kwe-visa. Kodwa kuphela ukuba onke amaxwebhu afanelekileyo angeniswe kwi-consulate ngexesha.
Nceda uqaphele ukuba izalamane ezikufutshane ze-insured zi: iqabane, abantwana, abazali, abantwana babo.
Unokufumana njani i-inshurensi ekunqandeni?
Ukuze ufumane i-inshorensi kwimeko ekhankanywe apha ngasentla, kufuneka uqokelele amaxwebhu afanelekileyo ukuqinisekisa ubungqina besiganeko esiqinisekisiwe. Ezi ziquka:
1. Ingxelo ebonisa ityelelo, umhla wokuhamba kunye nezizathu zokuthintela.
2. Inqubomgomo yomshuwalense.
3. Zonke iisesheke eziqinisekisa ukuhlawulwa (i-visa, ithikithi, ukuqasha imoto, ihotele).
4. Umbhalo onokuqinisekisa ukuba kwenzeke isiganeko esiqinisekisiwe:
- akaniki i-visa
- Iipasipoti , ezityinjwe ngokugatya; - isatifiketi sokugula esibhedlele;
- Ukufa isatifikethi sokufa;
- ukulahlekelwa kwepropati - iinkqubo ezihlanganiswe ngamapolisa okanye amanye amabhunga agunyazisiweyo;
- enkundleni - iintetho, eziqinisekisiweyo enkundleni;
- umnxeba - iisamani ezivela kwiofisi yokubhalisa emkhosini.
5. Ukuba kunyanzelekile, isatifikethi sokuqinisekisa ukuba sisondelelene nexhoba.
Ukuba onke amaxwebhu aqokelelwa, kwaye umgaqo-nkqubo we-inshurensi ukhishwa ngokuchanekileyo, uya kukwazi ukufumana umvuzo wokuba uhambo oluya phesheya ukuze uqinisekiswe ukuhamba. Ngaba ufuna i-inshurensi, zigqibo kuwe.