Travel lapaʻau lulumi: nāʻana, pane lākiō poʻe

O ka poe pinepine hele ma kahi e, e ike i ka manao o ka lapaʻau pilikino E pili - ka mea, aole he fad, akā, heʻoʻoleʻa mea. Ma hope o nā mea a pau, i ka hele mai loko mai o ko lākou mau papa, a me ke kulekele e kōkua iā ia i manao e ola ia ma ka aina e. I nā lapaʻau no ka hele wale aku no? Reviews i ka e mai ka lapaʻau, o ka papa, kōkua e hana i ka wae akau. Akā, ia mea pono e aʻo i nā hiʻona o kēia 'ano o ka lapaʻau pono e hoakaka ia a pehea ka nui o ka mea e loaʻa me ka "makemake".

Hiʻona o ka "haole" lapaʻau

E hele ana ma luna o ka hele ana, e hoomanao ana i loko o kekahi aupuni ma ke ao nei, e ole e oe, ina oe e ole i ka lapaʻau pilikino E pili. He kēia palapala nei i ke kumu i ina oe i kekahi mea hana ma ka aina e, ke amo nā lawelawe a me ka 'āwīwī mālama' e e hoomakaukau koke, a me ka piha. No laila,ʻae i ka mea e lapaʻau hele wale aku - keia mea he kalakala i kaili wale, a hiki ina oe eʻoiaʻiʻo i hiki ole ia oukou ke hana i kekahi mea e hiki mai, e hoopuka aku i ke kulekele nō i.

Aia i na lapaʻau, a me ka waiwai e lilo aku hilinaʻi nui ma luna o na mea he nui aʻe. No laila, ma mua e uku i ko lakou "koko" o kaʻaha kanaka, ka mea i pono, e noiʻi i akahele o ka manaoia ana.

lapaʻau ka pilikia

All kulekele mohai aku ma ka lapaʻau poʻe, hiki ke maheleia i nui hui elua - ka maʻamau mana, a me ka waiwai papa. Ke koena unuhi o loko o ka completeness o ka ahaaina o ka uhi ka pilikia.

Ka mea maʻamau AEeAaOA e kaumaha ana:

• ana i ke kālā no kaʻenaʻena lapaau i loko o ka hanana o ka hoʻopaʻa waiwai hanana;
• noa ka halihali ana i ka kokoke haukapila, a, ina he pono, - i ka haawi ana i ka hoʻomanawanui a hiki i ka aina o ka noho, pu ia e kauka;
• i ka hoʻolako 'ana o' inikua lawelawe ma-paena (i loko o ka poʻe koa aina), outpatient lapaʻau, hospitalization kahi e pono ai;
• ana i ke kālā o ka lilo ana o na laau i hoakaka ia ma ke kauka;
• pilikia kahua niho malama;
• repatriation o ka hoʻopaʻa waiwai i loko o ka hanana o kona make ana.

Ma waho aʻeo ia a pau i ka luna 'ikamu, ma ka "waiwai"' ia paha o ka lapaʻau ka pilikia i loaʻa:

• hoʻi i ka hale, a me ka uku pānaʻi i ka waiwai e lilo aku ana o balota ma na ike ma ka lapaʻau hanana;
• kakahiaka hoopau wale ana o ka huakaʻi i loko o ka hanana o ka make ana o kekahi hoahanau pili, he uku pānaʻi no balota no ka lapaʻau hoa a pau;
• kipa i kekahi o nāʻohana o ka hoʻopaʻa waiwai (balota ma ka lilo ana o ka lapaʻau) i loko o ka hanana o hospitalization i loko o ka poʻe koa aina no ka oi mamua o 10 mau lā;
• haawi i ka wahi o ka noho ana o na keiki (ma lalo o 16 makahiki) o ka hoʻopaʻa waiwai kanaka, pu ia e kekahi limahana o ka poʻe i loko o hihia ma ka hoʻopaʻa waiwai ua hospitalized no ka oi mamua o 10 mau lā;
• hou ulia lapaʻau;
• ana i ke kālā o nā ka pilikia pili me ka hele - nalowale ukana, he loio, ke eviction mai o ka hotele no kekahi kumu 'ole' ē aʻe.

Eʻoluʻolu, e hoailona oukou i ka hapai lapaʻau, hele wale aku no ka hoi pinepine i komo i loko o ka maʻamau kau ana o nā lawelawe a me nā koina. Kekahi uku keu ka pilikia pili me ka loaʻano o ke koena.

I ka nui o ka lapaʻauʻaoʻao pale

Insurance e hele aku i ua ka loa kiʻekiʻe-ka pono a me ke akamai, e e ike i kekahi mea nui au mamuli, o - e pili ana i ka mea i kā mākou e hiki dala o ka piʻi.

Kēia huahelu hilinaʻi nui ma luna o kēia wahi au e hele ai. No ka mea Schengen aina , keia dala e ia ma ka pae o ka 30 tausani. Euro. Moldova, Ukraine a me Belarus, kahi, e like me ka makou i ike, ola mālama mea nui ho'ēmi, i e lawa, a me ka nui o ka 15 tausani. Dala. Akā, inā 'oe e hele ana i ka aina a pau ma ka lapaau ka loa pipiʻi, no ka laʻana i loko o Iapana, ke USA, Australia a me Canada, ia mea pono e huki i ka lapaʻau o ole e emi malalo o 50-70 tausani dala.

Ma ke kumu o ka lilo o ke lapaau i loko o ka poʻe koa aina, insurers ka mea, IeAUPIIe, IAa IO Hoʻohui 'kona nā noi like penei:

• Schengen aupuni;
• nā Europa'āina;
• Moscow'āina;
• Aigupita;
• Tureke;
• ka a pau, ao (Ma waho aʻeo ka Moscow, Australia, Japan, Canada a me ka US);
• ka a pau ao nei.

makahiki

Kekahi ana i hookaawale ai i lapaʻau hele wale aku - keia mea i ka makahiki o ka hoʻopaʻa waiwai. Ke kaumaha ma muli o kēia aiao poe kaʻana like kā lākou nā mea kūʻai mai like penei:

• mai a hiki i ka makahiki;
• 1-3 makahiki;
• 4-15 makahiki;
• 16-64 makahiki;
• 65-75 makahiki;
• oi ma mua o 75 makahiki.

He noteworthy ia, mai ka mua a hiki i ka ha o ka paukū o ka lilo o ka lapaʻau ua hoemi, a mai ka lima kūpono kou māhuahua. Ka palena iki dala o ka lapaʻau poe e uku hana kaʻahele ma waena o nā makahiki o ka 16 i ka 64 makahiki, akā, kanaka no 75 i ke'ō mai.

He aha ka kōkua

A mea nui wahi i loko o kēia pukana, e like me ka lapaʻau hele ma kahi e, o ke alo o ka kōkua poʻe i loko o ka'āina o ka noho. He aha aʻole ia ke ano o?

Kōkua - mea he hoalawepu o ka kūloko lapaʻau ia e lawe mālama ana i nā mea a pau o oukou, ma ka aina o ka noho. Inā ma ka Holiday me oe i kekahi mea hana, kaulike i ka hoʻolako 'ana i mālama', haukapila e hānau ai, uku o ka laau, a no laila, ma luna o - i ka mea a pau a lākou e manaʻo mai. A i ka wa koho i lapaʻau 'ana i kumumanaʻo ole wale no ka mea ina ka mea, i na hoa, akā, no hoi a hiki i ka manawa kūpono o kēia loa Lūkini-olelo ana hoapili ia kākoʻo.

Inā ke kōkua hana ma kou lapaʻau ole, alaila, pau ka pilikia ma ka aina e oe i e hooholo. Ua pono, ina oe i lawa ike ana i ka'ōlelo, a me ka paa nui o ka loaʻa kālā. A ina ole? Ana i ke kālā o koʻoukou mau lilo, e hiki wale kiʻi ma ka hōʻeaʻana i ka hale, a laila, - ina oe e hoomakaukau i palapala o ka haole iaeoaeuiiai eiiieaena a me nā mea a pau i ke kupono A hehi ihola au a me ka inoa.

Ke kumukuai o ka lapaʻau - mea 'aʻole ia hilinai?

E like me mākou i ike, i ke kulekele kumukuai e hilinaʻi ma na mea he nui aʻe - i ka laha ana o ka huina mea he pālahalaha. Ua pau hilinaʻi nui ma luna, ma ka mea o ka kamepiula oe makemake e hoola oe ia oe iho, pehea kahiko oe i a me kahi au e hele ai. Nō hoʻi, i ke kumukuai o ka lapaʻau loli ana ma ke alo, a me ka "coolness" o ka poe-kōkua nā lawelawe a me ka hele ana aʻe.

Eia hou, i ke kumukuai o ke kulekele mea nō e loli ai ka manao o Travel: ina i manao oe e moe malie ma ka kahakai - kēia kekahi, akā, inā 'oe e hoʻolala i skydive ai snowboarding - Ua okoa. Kekahi pukana mea e loli ai ka lilo ana o ke kulekele - ke alo o ka franchise, 'o ia hoʻi, i ka huina (palena iki) a ka lapaʻau poe e ole uhi. No ka laʻana, ina i ka pela oe mai i loko o ka aelike deductible o $ 500, a me ka hana ma ka lilo o ka 499, i kekahi oe eʻaʻole hoʻi.

Me nā mea a pau o kēia mau nā hoailona i ka lilo ana o ka lapaʻau kulekele no ka huakaʻi e hoano e mai i kekahi mau haneri no kekahi mau na umi o na tausani o rubles.

Travel lapaʻau, a lulumi - pane lākiō poe, i ka i mea e loli ai

Hele ma kahi e aku, a huli i ka poʻe i loko o a oe ke kuai i ke kulekele, ia mea pono e hooki aku i ka hoʻolohe wale nō i ka loa No ka paulele aku a nui. Ma uuku onipaa no, o ka papa, lapaʻau hiki loaʻa literally pennies, akā, he maoli kōkua mai o lakou, i ka i hihia, e hiki apuepue kali.

No laila, e hoʻoholo e lawe mai lapaʻau hele wale aku no. Rating o ka lapaʻau poe alakai ma keia kula, e kōkuaʻoe. Ma hope o ke kālailai i nā hana o ka hapanui o ia mau mea, e hiki e pili ana i ka papa i kēia:

• "INTOUCH lapaʻau".
• "Zhasko".
• "Ingosstrakh".
• "RESO-kumu hoʻomalu".
• IC "PPF Life Insurance";
• Sberbank;
• "FAC".
• "SOGAZ".
• "VTB".
• "Rosgosstrakh".
• "Uralsib".

O ka holo ana, ua papa nei i kekahi mau mea pilikino, kēlā Customer hiki i kā lākou iho, a no e pono. Kēlā me kēia no ia mai nā drawbacks a me ka pono. No ka laʻana, lapaʻau hele ma kahi e Sberbank (a he nui nā poʻe), hāpai 'ia e hoopuka aku me ka haalele ana i ka hale, ka hoʻohana' ana i ka hana ma luna o kona paena.

Pehea e kuhikuhi i ka insurer maikai

Mua o nā mea a pau ia mea e pono ke kino kipa i ka oihana o ke koho hui a me ka mālama pono ana i ka hui i loaʻa nā mea a pau i ka pela a me ka palapalaʻae male, e lawe mai i kēiaʻano o ka lapaʻau.

Pono nānā i ka papa inoa o nā lawelawe i - ia mea lehulehu ma mua o ka maikaʻi. Koho i ka papa inoa o ka pilikia, e aho noʻoe, akā, e mai overdo ia me ka hoʻolako 'ole. He mea e ka hilahila ina e hana ia oe i kekahi mea o ka lapaʻau, aole ia i uhi. Manaʻo ana i ke kālā i loko o keia hihia ia mea i pono.

A maikaʻi nānā i ka aelike, ka oi aku o ka poe kau i loko o ia, a ua hoonoho iho i ka poe liilii, puka. Mai kānalua, e noi i ka manakia i ka hailona o nā nīnau - oe Pono ike i ka pono i 'oe ke kali ina oe i kekahi mea hana.

Koho wale nui-ho'āʻo lapaʻau, ka oi aku ina oe e hoʻolala i ka lōʻihi huakaʻi. Inā he uuku-ike naueue ole i kekahi-lā i kou holo ana, e e hōkaiʻia, a me ka nalo, e hiki makemake nui pilikia.

Once hou, manaʻo e pili ana i ka feasibility o ke kakau ana o ke kulekele, ina o ka poʻe 'aʻole i loaʻa he hoalawepu i loko o ka manaoia aina o noho ai. E hoʻomanaʻoʻoe, he mea e like ai lapaʻau pilikino E pili e ae oe e haha aku palekana aku mai kona home.