Travel inishuwarenzi kunze: wongororo, Rating Makambani

Vaya kazhinji kuenda kunze kwenyika, chete kuziva kuti magadzirirwe simbiso - hazvisi kwechokwadi, asi shoko rinorwadza kunofanirawo. Pashure pezvose, mufambi rinobuda zvavo munzvimbo yaakajaira, uye mutemo achamubatsira kuti anzwe akachengeteka mune imwe nyika. Izvozvo zvinosanganisira inishuwarenzi chevatariri kunze kwenyika? Reviews kuita kunze inishuwarenzi yakadaro, Chokwadi, kubatsira kuita chisarudzo chakarurama. Asi zvinobatsira kuziva zviri kwakadai inishuwarenzi inofanira akapa uye sei zvichatora mari se "mafaro".

Zvinoumba inishuwarenzi "wokumwe"

Kupindana parwendo, rangarira kuti chero nyika munyika haasi iwe, kana usina yeinishuwarenzi itsika. Hazvina Gwaro iri vimbiso kuti kana iwe chinhu chinoitika kune imwe nyika, asi chokufambisa mabasa uye nenguva kurapwa zvichagoverwa nokukurumidza uye zvakazara. Saka kubvuma chokwadi chokuti inishuwarenzi akaenda kunze kwenyika - iri hasha faniro, uye kunyange kana uri nechokwadi kuti haugoni kuita chimwe chinhu chiitike, kuti ape mutemo achine.

Kune inishuwarenzi siyana, uye mutengo inotsamira zvinhu zvakawanda. Saka, asati kubhadhara "ropa" ravo imwe kambani, zvinokosha kunyatsodzidza yaida ezvinhu.

inishuwarenzi ngozi

policies All inopiwa nemakambani inishuwarenzi, inogona kupatsanurwa muzvikwata zviviri guru - mureza shanduro uye vapfumi kirasi. Musiyano uri kukwana iine akafukidzwa ngozi.

Mureza pasuru inopa:

• mari kuti nokukurumidza kunorapwa zvinoitirwawo chiitiko insured;
• vakasununguka chokufambisa kuenda kuchipatara chaiva pedyo, uye, kana zvakakodzera, - hurukuro murwere kunyika dzokugara, achiperekedzwa vanachiremba;
• Zvokudya nokurapwa pamusoro-panzvimbo (pahondo nyika), outpatient kurapwa muchipatara apo zvakakodzera;
• mari kuti mari mishonga ushandiswe nachiremba;
• chimbichimbi mazino hanya;
• kudzorerwa of insured iri chiitiko rufu rwake.

Kuwedzera pamusoro zvose zvinhu zviri muna yakatarwa "vepamusoro" zvayakaipira inishuwarenzi zvingasanganisira:

• kudzokera kumba, uye dzosera mari matikiti muzviitiko kuzivikanwa chiitiko inishuwarenzi;
• mangwanani kugumiswa rwendo ari chiitiko rufu yepedyo, munhu dzosera pakati matikiti kuti kambani yacho inishuwarenzi;
• vanoshanyira imwe hama iri insured (matikiti tichiregeredza yacho inishuwarenzi) iri zvinoitirwawo muchipatara pahondo nyika mazuva anopfuura 10;
• wakurukura kunzvimbo dzokugara vana (pasi pemakore 16) ari insured munhu, aine mushandi wekambani muzviitiko apo insured iri muchipatara mazuva anopfuura 10;
• mamwe tsaona inishuwarenzi;
• mari nezvimwe njodzi chokuita parwendo - arasika mikwende, gweta, kuti kudzingwa kubva hotera nokuda kwechikonzero kana zvimwe.

Tapota ona inishuwarenzi kuti pamuviri, akaenda kunze kwenyika zvakare kakawanda zvisiri mutemo mabasa uye yokuwedzera mari. Akabhadharawo yokuwedzera njodzi chokuita yokunyanyisa mhando zororo.

Huwandu inishuwarenzi nhau

Inishuwarenzi kuenda kunze kwenyika chainyanya yepamusoro uye nomazvo, vanofanira kungwarira chimwe chinokosha, zvinoti - pamusoro vaifanira zvinoita uwandu kukuvadza.

Nhamba iyi zvinoenderana chaizvo kwamunoenda. Nokuti Schengen nyika , mari iyi inofanira kunge pachiyero zviuru 30. Euro. Moldova, Ukraine, uye Belarus, apo, sezvo tichiziva, zvoutano kuri isingadhuri zvikuru, zvingava kwakakwana uye uwandu 15 zviuru. Dollars. Asi kana uchizopa kunyika uko mushonga inodhura kwazvo, somuenzaniso muJapan, USA, Australia kana Canada, zvakakodzera kuzochera vakwire inishuwarenzi kwete zvishoma pane 50-70 zviuru zvemadhora.

Pahwaro mutengo mushonga pahondo nyika, insurers kazhinji dzikarongwa vaitaura ayo sezvinotevera:

• Schengen nyika;
• dzimwe nyika dzokuEurope;
• Kishi nyika;
• Egipita;
• Turkey;
• nyika yose (dzakakudzingai Kishi, Australia, Japan, Canada, uye US);
• nyika yose.

zera

Chimwe chokuratidza runoparadzanisa inishuwarenzi akaenda kunze kwenyika - ndiro zera riri insured. Zvichienderana parameter ichi makambani vagoverane vatengi vavo sezvinotevera:

• kusvikira rimwe gore;
• makore 1-3;
• makore 4-15;
• makore 16-64;
• makore 65-75;
• Makore anopfuura 75.

Zvinokosha kucherechedza kuti kubva pakutanga kusvika ndima yechina mutengo inishuwarenzi ipfupi, uye sezvo wechishanu kunyanya kuwedzera. Shoma kuwanda kambani yacho inishuwarenzi Acharipa basa vafambi pakati pemakore 16 kusvika 64 makore, asi vanhu vanopfuura 75 kuti mhararano panze.

Chii Assistance

A chinokosha chaizvo nyaya iyi, sezvo inishuwarenzi akaenda kunze kwenyika, iri pamberi ane rubatsiro kambani munyika dzokugara. Zvinorevei?

Assistance - ishamwari yomunharaunda inishuwarenzi kuti achariritira mose munyika dzokugara. Kana uri pazororo nemi chinhu chinoitika, kuona urongwa mishonga, chipatara delivery, mubhadharo mishonga zvichingodaro - ndizvozvo vose hanya. Saka kana kusarudza inishuwarenzi katsamba kwete chete nezvokuti vangava vane dzimwe vadiwa, asi zvichiita ichi mutauro wokuRussia chaizvo shamwari rutsigiro.

Kana rubatsiro basa panguva inishuwarenzi wako kwete, ipapo zvose matambudziko mune imwe nyika iwe kusarudza. Zvakanaka, kana uine ruzivo rwakakwana pamusoro mutauro uye yakasimba mari mari iripo. Uye kana kwete? Mari kuti mari yako, unogona chete kuwana pamusoro Patakasvika kumba, uye ipapo - kana unogona kupa magwaro zvivako wokumwe dzokurapa vose zvakakodzera inoratidza uye zvikamu.

Mutengo inishuwarenzi - chii sei kuvimba?

Sezvataona, mutemo mutengo kungaenderana zvinhu zvizhinji - kupararira nhamba rakanyatsojeka rwakafara. Zvose zvinoenderana, pane ngozi uchida chizviponesa, sei kare uri uye kwamunoenda. Uyewo, mutengo inishuwarenzi chokuita nokuvapo uye "coolness" boka-rubatsiro kuzvipatara uye misi okufambisa.

Uyezve, mutengo chezvawanyora zvikuru zvarinoita chinangwa Travel: kana uchida kunyepa chinyararire pamhenderekedzo - uyu, asi kana uchironga skydive kana Snowboarding - zvakasiyana. Imwe nyaya kunokanganisa Mari mutemo - kuvapo kodzero, kureva kuti mari (zvishoma) iro boka inishuwarenzi haingasviki kufukidza. Somuenzaniso, kana uchinge chinyatsotsanangurwa ari chibvumirano deductible kuti $ 500, uye arapwe mari 499, hapana usadzorera.

With vose zviratidzo izvi mari inishuwarenzi nomutemo kuti vafambi dzinosiyana mashomanana zana mishoma makumi ezviuru rubles.

Travel inishuwarenzi kunze - rating makambani, kuti icho chinobata

Vaenda kunze kwenyika uye kutsvaka kambani umo unogona kutenga mutemo, zvinokosha kurega pfungwa chete kupfuura aivimbwa uye pakukura. In yemakambani duku, Chokwadi, inishuwarenzi hungada sezvariri masendi, asi mubatsiri chaiye kwavari, umo nyaya, unogona kumirira.

Saka, ukasarudza kuti atore inishuwarenzi akaenda kunze kwenyika. Rating makambani inishuwarenzi kutungamirira mumunda ichi achakubatsira. Aongorora mabasa vakawanda vavo, unogona kuita pamusoro zvinotevera zvawanyora:

• "INTOUCH inishuwarenzi".
• "Zhasko".
• "Ingosstrakh".
• "RESO-Guarantee".
• IC "PPF Life Insurance";
• Sberbank;
• "FAC".
• "SOGAZ".
• "VTB".
• "Rosgosstrakh".
• "Uralsib".

Chokwadi, mazita iyi zvishoma kuzviitira, mumwe mutengi anogona kuita yavo, uye achava zvakarurama. Mumwe nomumwe wavo ane zvainovhiringidzawo nezvazvakaipira. Somuenzaniso, inishuwarenzi akaenda kunze kwenyika Sberbank (uye nemamwe makambani mazhinji), proposes kuti ape pasina kusiya imba, vachishandisa basa website yayo.

How kudoma insurer akanaka

Chekutanga zvose zvakafanira kushanyira hofisi sangano yasarudzwa pachedu uye nechokwadi chokuti zvakasimba ane inowanikwa vose magwaro uye marezinesi kutakura kubva inishuwarenzi mhando iyi.

Nyatsoongorora riongorore mabasa - zviri kupfuura nani. Sarudza Nyora njodzi, zvakanaka iwe, asi Usaita pamwe nokukundikana. Yaizova chinyadzo kana zvikaitika kwauri chinhu chii inishuwarenzi asingadi kufukidza. Kutarisira mari iyi nyaya haisi zvakakodzera.

A Nyatsotarisa panguva chibvumirano, kunyanya vaya vanoisa mariri, idzo kuisa kudhindwa duku. Usazeza kukumbira maneja mibvunzo yakawanda - unofanira kunyatsonzwisisa ungatarisira kana iwe chinhu chinoitika.

Sarudza inishuwarenzi huru-wakaedza chete, kunyanya kana uri kuronga rwendo rurefu. Kana zvishoma-anozivikanwa vakasimba rimwe-zuva munguva rwendo wako achaitwa matongo, uye kunyangarika, unogona kutarisira zvikuru dambudziko.

Zvakare, funga pamusoro feasibility pakati vanyorwa mutemo, kana kambani asina wokugara naye yaida nyika dzokugara. Yeuka, mutemo unhu inishuwarenzi kuchaita kuti unzwe wakachengeteka pamusha.