Travel inishuwarenzi paaifamba kunze uye Russia. mamiriro ezvinhu kunyoresa

inishuwarenzi Health anopa mukana wokugamuchira mishonga chero nyika. Kudiwa nokuti angamuka zvakanyanyisa kwete chete, asiwo Beach vadikani zvishande zororo. More mashoko sei inishuwarenzi yakaitwa yokufamba, chii policies dziripo - verenga mberi.

Vhuṱanzi

Health inishuwarenzi yokufamba zviri kushingaira mumakondinendi ose. Kana mufambi asingadi kwerubwinyo rwakagara rwuripo akagadzira gwara, mari yose kunorapwa kunze achafanira kudzikamisa yavo. Mune zvimwe zviitiko, mari inogona kwakafanana nezviuru zvakawanda zvemadhora.

Kana vashanyi enda kufamba chirwirangwe, pamasikiro mutemo inotaura nesangano kufamba, uye rinodhura achitoita zvaisanganisira mu mutengo achinditendera. Inishuwarenzi yokufamba nharaunda Schengen ifaniro kuwana vhiza. Kazhinji, inishuwarenzi mutemo chinofukidza nyaya dzakadaro:

• mangwanani kudzoka;
• kupa mishonga;
• ainge atumirwa zvinodhaka;
• kudzorerwa panguva chirwere, tsaona;
• kutakura;
• chimbichimbi mazino hanya, etc.

A ndandanda ngozi inishuwarenzi nezvaro kondirakiti. Asati kusaina gwaro vanofanira muudzame kuzivisa kambani nezvoutano hwavo hweHIV. The inishuwarenzi haringapiwi kubhadharwa kana:

• Tourist achirwara asati asimuka kuenda uye zvinowedzerwa chirwere pazororo.
• Paiva nezvinodhaka kana nedoro.
• Pakave kukundikana kutevedza nekuchengetedzwa mitemo.

Sechivako mutemo

Kufunga Zano inishuwarenzi vafambi zvakaoma zvakakwana. Chokutanga, funga mashoko kuti ushandiswe muna chibvumirano:

• Policy - Chibvumirano inishuwarenzi.
• Policyholder - munhu anotenga mutemo (the munhu anoyamurika).
• Insurer (UK) - kambani yacho inishuwarenzi, izvo compensates nokuti mari kurapwa.
• Insured chiitiko - chiitiko nezvaro chibvumirano pasi iyo inopa nokuda kwokuripirwa mari.
• Verengai insured - kufadza mari kuti UK akagadzirira kubhadhara kondirakiti.
• Assistance - Service Company, mumwe mumiririri pahondo nyika UK vashanyi.
• Deductible - nemari kuti zvichaita ripa akuvara. Somuenzaniso, mutemo inopa kuti kodzero iri uwandu $ 30. Bill nokuti nokurapwa kuri $ 45. Ava, kambani vachadzoka yeGmail.END_STRONG 45-30 = $ 15.

Munguva inishuwarenzi Kana insured ngavamushevedze Assistens kuti mimwe mirayiridzo. Score kubva muchipatara kusvika dzoutano mabasa vari dzatumira pakarepo kuti kambani yacho inishuwarenzi. Mune zvisingawanzoitiki Muzviitiko, mutengi mari zvose yacho pachako. Zvadaro, musi Patakasvika kumba, anofanira kushandisa kuti zviripe mari zvose.

mhando

Travel inishuwarenzi zvingasanganisira:

1. Standard Chibvumirano inishuwarenzi kuti urongwa dzenjodzi ndichivatuma murwere musha.
2. inishuwarenzi Accident kazhinji shongedza Outdoor iyi. Kana makuvaro kunosanganisira kurasikirwa kugona kushanda, muripo anogona kwakafanana ezviuru zvemadhora.
3. Kudzivirirwa kana kurasikirwa (kukuvara) kuti mukwende panguva yenjodzi, tsaona, moto.
4. Inishuwarenzi pamusoro rwendo kukanzura nokuda yeGmail.END_STRONG kuti urwere kana zvayo yepedyo, iyo Kuramba mavhiza, pfuma kukuvara. Izvi zvichaita zvaizopedza chero mari chokuita kugadzirira nokuda rwendo (nendege, pekugara, zvinodhaka, etc.).
5. kuita inishuwarenzi kana kuti kukuvadza vamwe.

Zano basa

Inishuwarenzi inzira kuunza kuchengeteka vagari. Muripo anogona kuitwa nenzira mbiri:

1. Sezvo chikamu muripo zvirongwa evashanyi mari zvose zvichidhura kurapwa uye kudzokera kumba kunoita zvinyorwa zvose nokuda vachibhadhara. mutemo uyu anofanira kutengwa kana insured munhu ane mari yakakwana mari yose mari.
2. Sechikamu basa progarmmy insurer chinoguma chibvumirano nezvavatorwa mapoka vatengi kunze. Panyaya iyi, kuripwa mari rinoitwa apo pakarepo insured chiitiko. Ichi muripo zano iri nani kuti vashanyi.

mari

Zvinhu zvinotevera vachatorwa kufungwa pamasikiro gwara: munhurume, zera iri nemhosva, nguva yose rwokuparidza. Price nokuti inishuwarenzi kufamba kunoenderana mishumo pamuganhu. Uwandu muripo kuti Uchafukidzwa vose mari okurapwa kunogona zviuru zvakawanda zvemadhora. Minimum negwaro achaita mari $ 5 pazuva panguva yavaigara imwe nyika.

Kazhinji, makambani kupa mureza zvirongwa vatengi inishuwarenzi, izvo zvinogona anosanganisira zvimwe njodzi uye mamiriro. Mamwe makambani tengesa zvinhu mutemo chete Zvimwe zvokusarudza Somuenzaniso, hake vatengi kuti atore inishuwarenzi pamusoro tsaona.

The rinokosha rine nguva uye nzvimbo mutemo. Kana mutengi akaripira inishuwarenzi, kare ari kunze, mutemo ichava isina. Mukuwedzera, inishuwarenzi chinoshanda chete pamusoro munharaunda yacho, iyo raanotaura mariri. Kana iri imwe nyika kwenharaunda Schengen, migumisiro mutemo vachangoerekana kushanda vose munharaunda yayo.

Uye, chokwadi, kutenga mutemo kunofanira kuva makambani dzakakwirira rakavimbika kuti vakashanda zvakanaka mumusika.

kunyanya mitemo

Travel inishuwarenzi haisi zvinodiwa kana kusiya nyika kana kunze kweguta. Rinopa mukana kuponesa vamwe chitsama pamusoro zvokurapa mari. Anosiyiwa vari Schengen nyika, apo kuvapo mugwaro inodiwa akadzika visa.

Kutenga zvinhu mutemo kuona kureva kuti inishuwarenzi kufamba zvachose hako. Mubhadharo kuti makambani ose ari pamusoro chete, uye kuti mitemo vakauya vakasiyana zvinodiwa:

• ukoshi of inishuwarenzi umufukidze nguva yose vari munyika + 2 weeks;
• Inishuwarenzi iri rakapa pasina kodzero, unofanira kubhadhara mari meditsienskih zvose mabasa anofanira kuripa kambani inishuwarenzi;
• shoma uwandu muripo - zviuru 30 Euro ..

Dzimwe nyika vanobvuma inishuwarenzi zvakanyorwa noruoko. Akabvumira kunyoresa mutemo yose dzemhuri. unofanira kupa nokuzivikanwa uye ruzivo pamusoro rwendo chinoitwa kondirakiti.

inishuwarenzi Minimum kuenda kuRussia - a mutemo inishuwarenzi rokubva zvokurapa. Asi rinotaura chete nourongwa rwekuchipatara munjodzi mari. To Gwaro anofukidza ngozi chokuita basa zvinokuvaraidza, kuti varonge inishuwarenzi zvizere chevatariri kwose.

Rinosanganisira chii mutemo

With mutemo inokosha inishuwarenzi inogona kurongwa, asi kuona chiremba achafanira kudzikamisa mari yavo. Inishuwarenzi nokuti nzendo kunze - a constructor. Unogona kuponesa atenge chikamu kana kurayira chine manhamba uye kuvaka yamambo. Ndizvo zvazvakaitawo mutemo. Unogona kuswedera kapepa kuti vhiza kana kutenga chinhu chinobatsira.

How pumped urongwa

To inishuwarenzi akava chaizvoizvo kubatsira kuti akaenda kunze kwenyika, anofanira kuwedzerwa inokosha nomutemo mamwe mikana:

• Sea rwendo - kubatsira sunburn.
• Vachifamba, Surfing, mabhiza pakufamba, ndege the - inishuwarenzi kuti kushingaira kutandara.
• Ski resort - kunze zvemitambo nhau, uye wedzera kutsvaka-uye-nokununura uye kubvisa.
• Zvirwere - rubatsiro mu exacerbation kuti "Chronicles".
• Kana panguva mazororo yakarongwa rwendo pamusoro mudhudhudhu, unofanira kutenga chete zita itsika. Muripo achange kubhadharwa kana mutyairi Akatasva nezvengowani uye akava naye kodzero "A" muchikwata.
• Travel inishuwarenzi vakadzi pamuviri Anofukidza mari chokuita pamuviri matambudziko. The pedyo kuberekwa, shoma mukana kuti zvichaita formalize mutemo. Kakawanda, chibvumirano inishuwarenzi iri akapedzisa, kana gestational zera vhiki 12-24.
• Help pamwe alkogolnogm kudhaka haisi inopiwa makambani ose. Muchiitiko chino, muripo zvichabviswa kubhadharwa kana kudhaka yaiva mhaka tsaona. Vazhinji iyi kunoenderana chiremba. Anofanira kuona adequacy murwere. Kuongororwa kweropa doro kugutsikana hariwanikwi.
• Kana uchida kuchengetedza zvauinazvo, wedzera inishuwarenzi mukwende. Kana nyaya akarasika, muUK Acharipa 500-2000 madhora. Enzanisa muripo kubva vendege achava $ 20 chete kilogram mukwende.
• Inishuwarenzi vaifamba kwose nemotokari kuchazadza mutengo rokugadzirisa motokari mushure rwendo.
• Inishuwarenzi kuti ndege kunonoka inopa nokuda kwokuripirwa muripo rimwe awa yokumirira, kubvira wechishanu.
• Zvakakanganiswa mumwe munhu netsaona, mutemo Uchafukidzwa vehurumende kuita kudzivirira. Kana insurer, svinurai, netsaona kunobondera mumwe skier, SC kubhadhara kurapwa kukuvara, uye kutenga zvitsva skis chepaseka.
• Kana rwendo iri kurongwa pachine, zvakakodzera kutenga mutemo iri chiitiko vasiri kuenda kunze kwenyika. Mari kuti vendege matikiti, hotera Reservations uye mamwe mabasa zvichaparadzwa reimbursed kana nemhosva anorwara nokuda 2 mazuva asati kufamba kana kwete kuwana vhiza.
• Zvimwe mari kudzorerwa utano kunogona kuwanikwa mukati yechinangwa mutemo tsaona. Kana mugari pazororo anouraya gumbo, Saka, asi kurapwa pahondo nyika, kuwedzera yake kumusha, uchachipiwa nekuripira vapore.

Zvokuita kuti vawane dzosera

Inishuwarenzi Company (SC) dzichavafukidza mari kurapwa bedzi zvokurapa masangano, uyo naro wakapinda chibvumirano. Naizvozvo, kana insured chiitiko chinofanira kuzodana kambani basa iri runhare nhamba yacho kuti vawane vokukurukura muchipatara uye vanachiremba. Zvakakodzera hunonyatsodonongodza dispatcher kuva mamiriro ezvinhu kuti zvitungamirire nhamba nemaitiro uye parunhare. Maererano nemashoko aya voitakura kunze kuziva pamusoro nemhosva, izvo zvinoita kuti tikwanise huwandu vabatsirwe. Kana chimbichimbi kurapwa akanga akapa chikumbiro pamberi akatadza muUK, unofanira kupa mutemo mudonzvo muchipatara uye edza kuti kuburikidza kusvika dispatcher.

Inishuwarenzi basa kufamba, kana nemhosva anozadzika ose ezvinhu nezvaro mutemo. Saka, zvakakodzera pachine:

• Save foni mutemo kuti nguva dzose musatakura nemi.
• Batanidza kungomberereka kana kutenga sim kadhi yomunzvimbo kuitira kuti unogona kuwana achitaura SC. The hotera anogona kushandisa Skype kana kudana womuchato wedu.
• Pre-vakajairana Pakuurayiwa chibvumirano, kuti vazive umo vanenge vachava kuonana kambani, asi kana uchida chete kuvimba pachako.

Muna inishuwarenzi nyaya anofanira:

• Dana kambani-Assistance pafoni raanotaura mutemo. Zvapinda nhamba opareta mutemo, nhamba yako yefoni, nzvimbo, hunhu dambudziko. Kana uchida mishonga, iyo opareta vaudza muchipatara kero uye kutumira tsamba vimbiso sezvo uchapupu muripo mabasa. Mune zvimwe zviitiko, chisarudzo anogona kutorwa mumaawa mashomanana. In dzinonetsa Muzviitiko, tinofanira kudaidza amburenzi wezvokurapa basa, wozodzoka muUK.
• mutarisiri chipatara nechokwadi chokuti kambani watuma tsamba vimbiso. Kana harungaregi, muchipatara uchanyanya akakumbira kubhadhara iri mari kana kusiya pasipoti yako sechinhu. Kuita izvi hazvibviri. Zvakakodzera kudana Assistance uye kunzwisisa zvikonzero nokunonoka.
• Pakutanga kudanwa muUK inofanira abvumirana opareta ane nezvaaiita.

Kana chinhu chakakanganisika, unofanira:

1. Iva wakagadzirira zvakazara kubhadhara zvose tinorasikirwa pachako In iyi, pamusoro kumba kana kambani compensates mari zvose zvichava kana zvakazara nokuripira. nyaya yechipiri zvinogoneka kana policyholder asingadi nezvokudzokera kambani pamusoro tsaona.
2. Kana usingabvumirani nechisarudzo rubatsiro, uye akaripira mari pachako, uri Patakasvika kumba, unofanira mukati memazuva 30 kuzoitawo muUK chokuwana muripo. VTB Insurance yokufamba chichange kubhadharwa kana, kuwedzera kushandiswa achapiwa pamwe:

• urongwa
• Medical zvinyorwa, izvo anoratidza murwere zita, chirwere, musi kurapwa.
• Nhungamiro kutsvakurudza.
• Invoices pamusoro letterhead, iro rinotaura akuitira, uye akabvuma uchapupu muripo.
• Yekuwana kubva vanachiremba mabhiri (macheki) mishonga.

Travel Insurance "Rosgosstrakh" mberi compensates runhare bhiri uye tekisi, kana insurer achaita makopi magwaro aya.

mhedziso

Travel inishuwarenzi kwakafanana anogadzira "Lego". The chikuru pasuru ndiyo chete inoshanda kuti visa. Mune inishuwarenzi nyaya kugamuchira zvakajairika nekuripira hazvishandi. Mutemo anofanira inounganidzwa pamusoro "Dzinovaka" kureva, kuwedzera uwandu nhau pahwaro rwendo zvinhu.