Travel inshuwalansi pamene anapita kudziko lina ndipo mu Russia. zikhalidwe za kalembera

inshuwalansi amapereka mwayi wolandira chithandizo ku dziko lililonse. Kufunika kwake angakhalepo osati kwambiri, komanso okonda gombe ndi zina chidziwitso. Zambiri pa momwe inshuwalansi wapangidwa yoyendamo, zimene ndondomeko kulibe - kuwerenga.

zambiri

inshuwalansi kuyenda umagwira ntchito m'maiko onse. Ngati wapaulendo si Pre-cholinga malamulo, ndalama zonse kuchipatalako kunja iye adzayenera zoperewerazo awo. Nthawi zina, ndalama akhoza zopanda madola zikwi zingapo.

Ngati alendo kupita kuyenda paulendo gulu lonselo ankaliphera pamodzi, kamangidwe ukuchita mfundo ndi bungwe kuyenda, ndi mtengo wake kale m'gulu la mtengo wa kuloleza. Insurance kupita malo Schengen ndi chiyeneretso chopezera chitupa cha visa chikapezeka a. Childs, inshuwalansi chimakwirira Zikatero:

• oyambirira kubwerera;
• kupereka chithandizo;
• kutumiza mankhwala;
• repatriation pa matenda, ngozi;
• mayendedwe;
• chisamaliro mwadzidzidzi mano, etc.

A mndandanda mwatsatanetsatane za kuopsa inshuwalansi zotchulidwa mu mgwirizano. Pamaso kusainira chikalata ayenera mwatsatanetsatane kudziŵitsa kampani za mthupi mwawo thanzi. Inshuwalansi sadzalipidwa chilichonse ngati:

• Alendo kudwala isanafike onyamukira ndi patchuthi iye kukula matenda.
• Panali mankhwala kapena mowa.
• Pakhala kulephera kutsatira malamulo chitetezo.

Kapangidwe ka mfundo

Kuzilingalira chiwembu cha inshuwalansi apaulendo ndi yovuta mokwanira. Choyamba, tiyeni tikambirane mawu amene zotchulidwa mu mgwirizano:

• Policy - mgwirizanowo inshuwalansi.
• Policyholder - munthu amene akugula malamulo (phindu).
• Insurer (UK) - kampani ya inshuwalansi, yomwe compensates kwa ndalama za chithandizo.
• Inshuwaransi chochitika - chochitika zotchulidwa mu mgwirizano umene amapereka malipiro a ndalama.
• Uwerenge inshuwaransi - pazipita kuchuluka kuti UK ndi wokonzeka kulipira mgwirizano.
• Thandizo - Service Company, nthumwi mu gulu dziko UK alendo.
• Deductible - kuchuluka kwa ndalama zimene azilipira wovulalayo. Mwachitsanzo, malamulo amapereka kwa chilolezo kuchuluka kwa $ 30. Bill kwa chithandizo ndi $ 45. Awa, kampani adzabwerera kwa kasitomala 45-30 = $ 15.

Pankhani inshuwalansi ndi inshuwaransi udzamutche Assistens kuti malangizo ena. Zotsatira ku chipatala ntchito zaumoyo ali anajambulitsa yomweyo inshuwalansi kampani. Nthawi zina, makasitomala ali kulipira ngongole zonse nokha. Kenako tinafika kunyumba, iye ali kufunsira malipiro a ndalama zonse.

mitundu

Travel inshuwalansi ingakhale monga iyi:

1. Standard inshuwalansi mgwirizano potipatsa mwadzidzidzi ndi kutumiza kunyumba mtima.
2. inshuwalansi ngozi zambiri kukongoletsa okonda panja. Ngati zifukwa ikukhudza imfa ya kuchita, malipilo mwina zopanda zikwizikwi dollars.
3. Kutetezedwa nkhani ya imfa (kuwonongeka) katundu pa masoka, ngozi, moto.
4. Insurance ndi ulendo Kulipira chifukwa matenda kasitomala kapena wachibale wake pafupi, ndi kuwakana zikalata, katundu. Izi kuchepetsa ndalama iliyonse yokhudzana ndi kukonzekera ulendo (kuyenda mpweya, pokhala mankhwala, etc.).
5. udindo pa inshuwalansi vuto la kuwonongeka kwa ena.

chiwembu cha ntchito

Insurance ndi njira kubweretsa chitetezo kwa nzika zonse. Malipilo zikhoza kuchitika m'njira ziwiri:

1. Monga mbali ya ziwembu malipiro a alendo kulipira ndalama zonse za mankhwala ndi kubwerera kunyumba zimapangitsa zolembedwa zonse kwa malipiro. mfundo zimenezi ziyenera anagula ngati munthu inshuwaransi ndalama yokwanira kulipira ndalama zonse.
2. Monga mbali ya utumiki progarmmy insurer anamaliza pangano ndi makampani akunja pa makasitomala kunja. Pankhaniyi, kupereka ndalama ikuchitika yomweyo pamene chochitika inshuwaransi. chiwembu Izi malipilo abwino kwambiri alendo.

mtengo wa

Zinthu zotsatirazi adzatengedwa Nkhani kamangidwe ka mfundo: jenda, zaka kasitomala, nthawi ya ulendo wa. Price inshuwalansi kuyenda zimadalira nkhani za malire. Malipilo kuti kuphimba ndalama zonse chithandizo akhoza kukhala zikwi zingapo dollars. Osachepera ndondomeko ndalama $ 5 pa tsiku pa nthawi imene anali mu dziko lina.

Childs, makampani boma limapereka muyezo inshuwalansi makasitomala, amene china ngozi zina ndi zinthu. Makampani ena kugulitsa mfundo zosavuta zokha ndi zosankha zina Mwachitsanzo, zinzawozo makasitomala kutenga inshuwalansi ndi ngozi.

The mtengo wapatali ndi nthawi ndi malo malamulo. Ngati kasitomala analipira ndalama za inshuwalansi, kale kunja, mfundo zidzakhala zosatheka. Komanso, inshuwalansi umakhala pa dera la dziko, limene zafotokozeredwa izo. Ngati izi limodzi la mayiko a m'dera Schengen, zotsatira za mfundo adzakhala basi ntchito kwa onse m'gawo lake.

Ndipo, ndithudi, kugula ndondomeko ayenera kukhala makampani ndi kudalilika okwezeka amene agwira ntchito bwino mu msika.

makamaka ndondomeko

Travel inshuwalansi si lamulo tikuchoka dziko kapena kunja kwa mzinda. Iwo amapereka mwayi kupulumutsa ena kuchuluka ndalama kuchipatala. Kuchotserapo ndi maiko Schengen, kumene pamaso pa mfundo chofunika kwa opereka chitupa cha visa chikapezeka lapansi.

Kugula mfundo zofunika kuona mlingo inshuwalansi kuyenda kotheratu okhulupirika. Mtengo wa ntchito makampani onse ndi pafupi zofanana, ndipo mfundo zoyendetsera anabweretsa amafuna osiyana:

• n'loonadi inshuwalansi Aziliphimbanso nthawi yonse imene anakhala ku dziko + 2 masabata;
• Insurance ndi chikalata popanda chilolezo, inu kulipira ndalama meditsienskih ntchito zonse ayenera kulipira inshuwalansi kampani;
• osachepera malipilo - yuro 30 zikwi ..

M'mayiko ena kuvomereza inshuwalansi olembedwa ndi dzanja. Anandilola chonse cha ndondomeko ya anthu onse m'banjamo. muyenera kupereka chizindikiritso ndi mfundo za ulendo ndi mgwirizano.

Osachepera inshuwalansi kupita ku Russia - lamulo inshuwalansi mankhwala mokakamizidwa. Koma chimakwirira yekha makonzedwe a ndalama pangozi. Zikhazikitso chimakwirira kuopsa kugwirizana ndi ntchito yogwira yopuma, ndi kukonza inshuwalansi lathunthu anapita kudziko lina.

Kodi ataphimbidwa ndi malamulo

Ndi zofunika inshuwalansi akhoza anakonza, koma kuonana ndi dokotala adzayenera zoperewerazo ndalama zawo. Inshuwalansi maulendo kunja - ndi constructor. Mungathe kusunga ndi kugula gawo kapena kuyitanitsa ya kanjedza ndi kumanga nyumba yachifumu. N'chimodzimodzinso ndi malamulo. Mungamuyandikile pepala kwa chitupa cha visa chikapezeka kapena kugula chida chothandiza.

mfundo Kodi amawapopa

Inshuwalansi anakhala zofunika kwambiri anapita kudziko lina, ayenera zidzawonjezedwa kwa mfundo zofunika options zina:

• Nyanja ulendo - kuthandiza ndi kake kakupsa ndi dzuwa.
• Atayenda, mafunde, kukwera mahatchi, kwakusiyana ski - inshuwalansi zosangalatsa yogwira.
• Masewerera a Ski achisangalalo - kupatula Kuphunzira masewera, ndi kuwonjezera kufufuza ndi kupulumutsa ndi kuthawa.
• matenda aakulu - awathandize exacerbation wa "Mbiri".
• Ngati pa maholide inakonzedwa ulendo pa njinga yamoto, muyenera kugula dzina chomwecho ndondomeko. Malipilo a anthu ilipiridwa ngati woyendetsa anakwera chisoti ndipo anali ndi ufulu "A" gulu.
• Travel inshuwalansi amayi apakati chimakwirira ndalama kugwirizana ndi mavuto mimba. Kwambiri kubadwa, chindichepere mwayi umene formalize malamulo. Nthawi zambiri, mgwirizanowo inshuwalansi ndi anamaliza, ngati m'badwo gestational a masabata 12-24.
• Thandizo ndi kuledzera alkogolnogm si operekedwa ndi makampani onse. Pankhaniyi, malipilo ilipiridwa ngati kuledzera anali kuchititsa ngozi. Ambiri mu nkhani iyi zimadalira dokotala. Iye ayenera kudziwa adequacy wodwala. The chiyeso okhutira mowa magazi ali osowa.
• Ngati mukufuna kuteteza chuma chanu, kuwonjezera katundu inshuwalansi. Ngati choncho wataika, UK kulipira madola 500-2000. Yerekezerani chipukuta misozi kwa ndege adzakhala $ 20 pa kilogalamu katundu.
• Inshuwalansi anapita kudziko lina ndi galimoto kuphimba mtengo yokonza magalimoto pambuyo ulendo.
• Insurance ndege kuchedwa amapereka malipiro a malipiro a ola lililonse kudikira, kuyambira wachisanu.
• mavuto onse kuti munthu wina mwangozi, mfundo chidzawavindikira yapachiweniweni udindo pa chitetezo. Ngati insurer, kukhala wodziletsa, mwangozi osaitanidwa mu skier wina, SC kulipira chithandizo cha kuvulala, ndi kugula zipangizo zatsopano wovulalayo.
• Ngati ulendo pasadakhale, m'pofunika kugula ndondomeko likhoza sanali kunyamuka kunja. Ndalama kwa matikiti ndege zosungitsa hotelo ndi zina siyidzabwezedwa ngati kasitomala anadwala kwa masiku 2 asanayambe ulendo kapena ayi kuti chitupa cha visa chikapezeka a.
• ndalama zoonjezera kubwezeretsa thanzi akhoza zopezera mu chimango cha malamulo a ngozi. Ngati nzika pa holide amaswa mwendo, ndiye, kupatula mankhwala mu dziko makamu, kuwonjezera pa kwawo adzalandira malipiro a konzanso.

Kodi kuchita kuti obwezeredwa

Insurance Company (SC) kuphimba mtengo wa chithandizo yekha mabungwe zachipatala, ndi amene walowa mu mgwirizano. Choncho, pamene chochitika inshuwaransi ayenera kuitana m'gululo pa nambala kutenga ojambula zipatala ndi madokotala. M'pofunika kufotokoza mwatsatanetsatane dispatcher kuti vutoli azikuuzani chiwerengero ndondomeko ndi telefoni. Malinga ndi kafukufuku amenewa ikuchitika chizindikiritso cha kasitomala, zomwe zimachititsa n'zotheka kudziwa kuchuluka kwa chithandizo. Ngati chithandizo mwadzidzidzi inaperekedwa pamaso kuitana analephera mu UK, muyenera kupereka ndodo malamulo a chipatala ndipo ndiyesere kudutsa kwa dispatcher lapansi.

Inshuwalansi ntchito kuyenda, ngati kasitomala amakwaniritsa zinthu zonse zotchulidwa mu mfundo. Choncho, m'pofunika pasadakhale:

• Sungani ku mfundo foni kuti zonse Musatenge ndi inu.
• Lumikizani akungoyendayenda kapena kugula m'dera SIM khadi kotero kuti angalumikizane ndi SC. Hotelo akhoza kugwiritsa ntchito Skype kapena kutchula phwando wathu.
• Pre-bwino mawu a pangano, kuti kudziwa zimene milandu adzayenera funsani kampaniyo, koma pamene muyenera kokha tizidalira nokha.

Pankhani inshuwalansi ayenera:

• Itanani kampani Thandizo pa foni zafotokozeredwa malamulo. Dziwitsani chiwerengero mfundo woyendetsa, nambala yanu ya foni, malo, chikhalidwe cha vutoli. Ngati mukufuna chithandizo, ndi woyendetsa akufotokozera adiresi kuchipatala ndi kutumiza kalata chitsimikizo monga umboni wa ntchito malipiro. Nthawi zina, kusankha angathe kumwedwa patangotha maola ochepa. Nthawi yovuta, tiyenera itanani ambulansi utumiki zachipatala, ndiyeno nkumadzitcha mu UK.
• Mkuluyu kuchipatala kuonetsetsa kuti kampani kalata chitsimikizo. Ngati izo sizitero, mu chipatala inu kupemphedwa kuti kulipira ndalama kapena kusiya pasipoti yanu monga gawo a. Kuchita zimenezi n'zosatheka. M'pofunika kuitana Thandizo ndi kumvetsa zifukwa pochedwetsa.
• Pa foni choyamba mu UK ayenera adapangana ndi woyendetsa wa zochita.

Ngati chinachake chalakwika, muyenera:

1. Khalani okonzeka mokwanira kulipira zonse ndalama nokha Pankhaniyi, pa kubwerera kunyumba kapena kampani compensates ndalama zonse zidzakhala kapena mokwanira alipire. Nkhani yachiwiri ndi zotheka ngati policyholder si analidziwitsa kampani za ngozi.
2. Ngati simukugwirizana ndi thandizo mwachangu, ndipo analipira ndalama zonse nokha, pa kufika kunyumba, muyenera pasanathe masiku 30 ntchito ku UK chopezera chipukuta misozi. VTB Insurance ulendo ilipiridwa ngati, kuwonjezera pa ntchito Adzatsagana ndi:

• policy
• zolemba zamankhwala, amene amasonyeza mtima dzina, matenda, tsiku la mankhwala.
• Malangizo a kafukufuku.
• Ma invoice wopelekedwa pa letterhead, amene imalemba ntchito lotembenuzidwa, ndi kugonjera umboni wa kupereka.
• Mankhwala kwa madokotala ngongole (macheke) kwa mankhwala.

Travel Insurance "Rosgosstrakh" zina compensates telefoni bilu ndipo takisi, ngati insurer adzapanga makope a zikalata izi.

Pomaliza

Travel inshuwalansi ngati mlengi "LEGO". The phukusi zofunika umakhala kuti chitupa cha visa chikapezeka a. Pankhani inshuwalansi kulandira chipukuta misozi zachilendo kwa izo sizigwira ntchito. mfundo iyenera kusonkhanitsidwa pa "nyumba zingatipunthwitse" kutanthauza kuonjezera kuchuluka Kuphunzira pamaziko a mbali ulendo.