I-inshurensi yezempilo ehambayo ingafumaneka ngokufanelekileyo xa ufuna unonophelo lwangaphandle
Eli nqaku labhalwa ngu-David Fischer.
Inkonzo yomshuwalense wezempilo yinkqubo ekhethekileyo eyenzelwe ukujonga iindleko zonyango xa ugula okanye ukhuselekile uhambo. Umbuzo oqhelekileyo kulabo abangahambi rhoqo kukuba ukuba i-inshurensi yokuhamba iyimfuneko.
I-inshorensi yezempilo ihlanganisa wena ngexesha elilinganiselwe kuphela, kwaye ngokuqhelekileyo kuthengwa ukuhamba kwamanye amazwe.
Ingaba ufuna i-inshurensi yezempilo yokuhamba ixhomekeka kwindlela ocinga ngayo ukuba unokufuna unyango lwexesha lohambo lwakho, kunye nokukwazi kwakho ukuhlawula xa kufuneka imfuneko.
Kuba abaninzi abantu - ngakumbi abantu abadala, bayazi imeko zezobugqirha okanye bahamba kwindawo engaphumelelanga-impendulo mhlawumbi iwebo. Nasi isizathu:
Iindleko zoNyango lweZonyango
Ngaphambi kokuba ungene kwinqubomgomo yomshuwalense wokuhamba, khangela iinshurensi yakho yezempilo. Iinkampani ezininzi ziya kuhlawula oko zibiza ngokuthi "iindleko zenkcubeko kunye neengqiqo" xa ufuna uncedo kwilizwe langaphandle, oko kuthetha ukuba akudingeki ukuba uphinde uphinde uphinde uhlawule umgaqo-nkqubo wokuhamba.
Nika ingqalelo kwizinto ezingagqitywanga kumgaqo-nkqubo wakho. Uninzi lwabaqinisekisi bendlu abayi kuhlawula ukuba uye waphuma kwelinye ilizwe ngenxa yexakeka lezonyango. Isebe likarhulumente lase-US lithi ukufuduka kungabiza imali engaphezu kwama-50,000.
Ukuba akuyiyo indleko okwazi ukuhlawula - okanye ukulungele ukuhlawula - ngenxa yemiphumo yento elula kwaye engaqiniseki njengengozi yemoto, umzekelo, unokufuna ukuthenga inshuwalense eyongezelelweyo.
Iiwebhusayithi zokuhamba zinika indlela yokuqhathanisa amaxabiso kunye nokunikezelwa kweenkonzo ezibonelelwa ngabanikezeli abahlukahlukeneyo.
Elinye iqela eliyaziwayo kwaye lisetyenziswa rhoqo kwinkampani yomshuwalense yokuhamba nge-intanethi yi-USI Affinity Assurance Services Services. Iwebsite yekampani inikeza uluvo oluhle lweentlobo ze-inshurensi yokuhamba kunye neendlela ezininzi ezicwangcisiweyo.
I-inshurensi yezempilo yokuhamba kubantu abadala
Abantu abadala kufuneka bathathe inqaku elithile - i-Medicare ayihlawuli unyango lwezonyango okanye unyango lwangonyango ngaphandle kwe-United States. Oko kuthetha ukuba uya kuba yedwa ngaphandle kokuba unabanye banikezeli bomshuwalense wezempilo okanye uthenge umgaqo-nkqubo wokuhamba.
Ezinye iinkqubo zeMedigap kunye ne- Medicare Benevantage zicwangciso zibonelela ngeenkonzo ezingxamisekileyo zokunakekelwa kwempilo kwimeko engxamisekileyo xa uhamba ngaphandle kwe-US Ngaphambi kokuba uhambe ngaphandle kwelizwe, jonga ngesicwangciso sakho esongezelelweyo okanye isicwangciso sempatho malunga neenzuzo zokuhamba.
Ingozi zo kugula
Ukuhamba kwamanye amazwe kunokuba lukhuni kunoma ubani, unikezelwa utshintsho kwindlapho kunye nesimo sezulu, kunye nobukho bezinto ezinzima ezingaqhelekanga. Kwezinye iindawo zehlabathi, umgangatho wamanzi ongaqinisekiyo kunye nococo lwendalo luyingozi.
ISebe likarhulumente licebisa ukuba nabani na abanezifo zonyango esele zikhona , ezivela kwingxaki yenhliziyo ukuya kwintlungu, bathwala ileta evela kudokotela wabo ochaza imeko, unyango lwawo, kunye naziphi na iziyobisi ezisetyenziswayo, kubandakanywa zabo amagama.
Imirhumo yesigqirha kufuneka iqhutywe kwiibhokhwe zazo zokuqala kunye neebhile zokuqala.
Amacandelo okuLawula nokuVimbela (i-CDC) ineengcebiso malunga nokugonywa okufunekayo ekuhambeni kumazwe angaphandle kunye neemeko ezikhethekileyo ezikhoyo kuwo mazwe.
Ukuba uyagula ngelixa uhlala phesheya, i-consulate yaseMerika izokukunceda ubone indawo yononophelo oluyidingayo uze uncede ukulungiselela ukubuyela e-US. Kuya kufuneka uhlawule iibhili, nangona kunjalo, qi ni sekise ukupakisha ikhadi lakho le-ID yomgaqo-nkqubo wonyango kunye nokuqinisekiswa kwenkqubo yakho yokuhamba, ukuba unquma ukuthenga enye.
Ukudibanisa i-Intshurensi yezeMpilo kunye ne-Inshorensi yokuhamba
Ukongeza kwi-inshurensi yezempilo, ungathanda ukucinga ngeenqwelo zomshuwalense yokuhamba edibanisa i-inshorensi yezobisi kunye nokukhusela ukukhusela uhambo lwakho lokutshala imali. Izinto ezifana nomthwalo olahlekileyo, ukukhanselwa kweenqwelo zeenqwelo, kunye nomgca wokuhamba okanye i-hotel bankruptcy ingonakalisa izicwangciso zakho zokuhamba. Ngokumalunga ne-inshorensi yakho yempilo, i-inshorensi yokuhamba i-inshurensi inokukunika inkontsho yomshuwalense, enokuthi ihlanganise zonke iindleko zakho.
Musa ukulibala iMedication yakho!
Ukuba uceba ukuhamba kwelinye ilizwe, kubalulekile ukuba unikeze iimfuno zamachiza ngaphambi kokuba uhambe. Ukugula phakathi kohambo lwakho kungonakalisa iholide yakho kwaye kubize imali ukuze ufumane imichiza efunekayo.
Ngaphambi kokuba ushiye uhambo lwakho, jonga ugqirha wakho ukuze afumane uncedo oluninzi lweemithi zakho zonyango. Kwakhona, thetha ugqirha wakho malunga noshintsho lwakho kwishedyuli kwaye ubuze ixesha lokuthatha unyango xa uhamba kwiindawo ezahlukeneyo zexesha.