Umshwalense wezempilo ohambayo ungathola kahle uma udinga ukunakekelwa ngaphandle kwezwe
Lesi sihloko sabhaliswa nguDavid Fischer.
Umshwalense wezempilo ohambayo iyinqubomgomo ekhethekile eyenzelwe ukukhokhela izindleko zezokwelapha uma ugula noma ulimele ohambweni. Umbuzo ovamile kulabo abangahambi kaningi uma ngabe umshuwalense wokuhamba kuyadingeka.
Umshwalense wezempilo wokuhamba ikumboza isikhathi esilinganiselwe kuphela, futhi kuvame ukuthengwa ukuhamba kwamanye amazwe.
Kungakhathaliseki ukuthi udinga umshwalense wezempilo wokuhamba kuncike ekutheni ucabanga ukuthi kungenzeka ukuthi udinga ukunakekelwa kwezokwelapha ngenkathi uhambo lwakho, nangokwazi kwakho ukukhokha uma kunesidingo.
Kubantu abaningi - futhi ikakhulukazi kubantu asebekhulile, bazi izimo zezokwelapha noma baya endaweni engathuthukile - impendulo cishe yebo. Nasi isizathu:
Izindleko Zokunakekelwa Kwezokwelapha Kwangaphandle
Ngaphambi kokuba ungenele kumgomo womshuwalense wokuhamba, hlola umshuwalense wakho wezempilo okhona. Izinkampani eziningi zizokhokha lokho ezikubhekisela njengezindleko zezokwelapha "zendabuko nezengqondo" uma udinga ukunakekelwa kwelinye izwe, okusho ukuthi akudingeki uphinde uphinde uphinde uphinde uphinde ubhale inqubomgomo yokuhamba.
Hlala uqaphele lokho okungahlanganiswa inqubomgomo yakho. Abaningi bamashuwalense asekhaya ngeke bakhokhele ukuthi uye waphuma kwelinye izwe ngenxa yokuphuthumayo kwezokwelapha. Umnyango wezeMelika wase-US uthi ukuthuthwa kwamandla kungadla imali engaphezu kwama-$ 50,000.
Uma lokho akuyona izindleko ungakwazi ukukhokha - noma uzimisele ukukhokha - ngenxa yemiphumela yento elula futhi engalindelekile njengengozi yemoto, isibonelo, ungase ufune ukuthenga umshuwalense owengeziwe.
Amawebhusayithi wezokuvakasha anikeza indlela yokuqhathanisa amanani nokubhalwa okuhlinzekwa abahlinzeki abahlukahlukene.
Ikhamphani yomshuwalense wokuhamba nge-inthanethi eyaziwa njalo futhi ejwayele ukusetshenziswa yi-USI Affinity Travel Insurance Services. Iwebhusayithi yenkampani inikeza ukubuka konke okuhle kohlobo lwemishwalense yokuhamba etholakalayo nokuthi zingakanani izindleko ezihlukahlukene ezibiza.
Umshwalense Wezempilo Ohambayo Kubantu Abadala
Abantu asebekhulile kufanele bathathe inothi elithile - uMedare akakhokhi ukwelashwa esibhedlela noma ukunakekelwa kwezempilo ngaphandle kwe-United States. Lokho kusho ukuthi uzoba wedwa ngaphandle uma unabanye abahlinzeki bomshuwalense wezempilo noma uthenga inqubomgomo yokuhamba.
Ezinye izinqubomgomo ze- Medigap nemikhakha ye- Medicare Advantage inikeza ukuhlinzekwa kwezempilo eziphuthumayo ezingaphandle kwamanye amazwe ngenkathi uhamba ngaphandle kwe-US Ngaphambi kokuhamba ngaphandle kwezwe, hlola uhlelo lwakho lokuxhaswa noma uhlelo lokuhlomula mayelana nezinzuzo zokuhamba.
Izingozi Zokugula
Ukuhamba kwamanye amazwe kungaba nzima kunoma ubani, kunikezwe izinguquko ekuphakameni nasesimo sezulu, nokuba khona kwama-microbes ongajwayelekile. Kwezinye izingxenye zomhlaba, ikhwalithi yamanzi engaqondakali kanye nokuhlanzeka kwendle kuhlanganisa izingozi.
UMnyango WezoMbuso uncoma ukuthi noma ubani onesimo sezokwelapha esandulele , esivela enkingeni yenhliziyo kuya emithanjeni, athathe incwadi evela kudokotela wayo echaza isimo, ukwelashwa kwalo, nanoma imiphi imithi kadokotela esetshenziswayo, kuhlanganise nomuthi wabo ojwayelekile amagama.
Imithi kadokotela kufanele ifakwe ezitsheni zabo zokuqala ngamalebula abo okuqala.
I-Centers for Disease Control and Prevention (CDC) ineziphakamiso zokugoma ezidingekayo ekuhambeni emazweni angaphandle kanye nezimo ezikhethekile ezingase zibe khona kulawo mazwe.
Uma ugula ngenkathi ungaphandle, i-consulate yaseMelika izokusiza ukuthola ukunakekelwa kwezokwelapha okudingayo futhi usize ukuhlela ukubuyela emuva e-US. Uzodinga ukukhokha izikweletu, noma kunjalo, ngakho-ke qiniseka ukupakisha ikhadi lakho le-ID yomgomo wezokwelapha njalo nokuqinisekiswa kwenqubomgomo yakho yokuhamba, uma unquma ukuthenga eyodwa.
Hlanganisa Umshwalense Wezempilo Ngomshwalense Wokuhamba
Ngaphandle komshwalense wezempilo ohambahamba, ungase uthande ukucabangela izinhlelo zomshuwalense wokuhamba ezihlanganisa umshuwalense wezokwelapha nge-coverage ukuvikela ukutshala izimali zakho. Izinto ezifana nomthwalo olahlekile, ukukhansela izindiza, kanye nokuhamba kwehhotela noma ukubhuka kwehhotela kungonakalisa izinhlelo zakho zokuhamba. Kanye nomshuwalense wakho wezempilo, ama-inshuwalense ehamba ngezinyawo angakunika umshwalense wokukhansela, okungafihla konke noma ezinye izindleko zakho.
Ungakhohlwa Imithi Yakho!
Uma uhlela ukuya kwelinye izwe, kubalulekile ukuthi uhlinzekele izidingo zomuthi wakho ngaphambi kokushiya. Ukugula phakathi nohambo lwakho kungalimaza iholidi lakho bese kukubiza imali ukuze uthole imithi edingekayo.
Ngaphambi kokuba ushiye uhambo lwakho, bheka udokotela wakho ukuthola ukutholakala okuphelele kwemithi yakho yesiguli. Futhi, khuluma nodokotela wakho mayelana noshintsho lwakho ohlelweni bese ucela ukuthi uthathe imithi uma uhamba ngezikhathi ezahlukene.