Inishuwarenzi nokuti pamuviri paaifamba kwose: kugadzira features, maonero wongororo

Parizvino munyika yedu pane makambani inishuwarenzi vazhinji vanoda kupa mabasa anodiwa chero nguva. Inishuwarenzi pamuviri vanamai - iri yoga basa, izvo UK anotora chaizvo achitsutsumwa. Yose ndeyokuti kuti vakadzi vane pamuviri vari zvikuru zvakawanda pangozi zvichienzaniswa nedzimwe Mapato vemunyika, kunyanya kana totaura nzendo refu. Pashure pezvose, chero nechimbichimbi utano uye kutyisidzira upenyu zvakasikwa kwete chete mukadzi asiwo mwana wake asati aberekwa. Ndokusaka chete zvishoma makambani anotakura inishuwarenzi maternity kana kuenda kunze kwenyika.

Kubatsira inishuwarenzi

Inishuwarenzi pamuviri kana kuronga zororo kunze kwavo nyika yokumusha inopa yakawanda zvakanakira.

Chinosanganisira Zvirongwa zvinotevera inishuwarenzi:

• LCA navanaamai pamuviri;
• inishuwarenzi pamuviri uye pakusununguka kana kuenda kune imwe nyika;
• hutano inishuwarenzi dzakawanda.

Kuti tinyatsonzwisisa kunzwisisa chii kunobatsirei neimwe mhando chirongwa inishuwarenzi, zvakakodzera nekutatamura pavari.

Rokuzvipira zvokurapa inishuwarenzi kuvakadzi vane mimba

LCA ndeimwe zvikuru nevanhu marudzi zvirongwa inishuwarenzi munyika yedu.

Izvi inishuwarenzi kuvhakacha pamuviri akaenda kunze kwenyika, vanogona kuverenga, maererano nyanzvi 'mafungiro pamusoro:

• Free nokurapwa;
• mukana kubuda chirwere kuti kurapa;
• chiremba hake akushanyire kumba;
• Free uchishanyira kuna chiremba wemazino.

VHI unoshanda munyika dzose European vari chikamu Schengen vematunhu, saka kuita mariri, imi kuwana vimbiso kwakakwana kuti iwe nguva dzose kupiwa yepamusoro mishonga pachena.

Inishuwarenzi pamuviri uye pakusununguka kana kuenda kwose

Kuita kwakadai inishuwarenzi zvakaoma chaizvo, sezvo insurers vakawanda havana dzinoita mabasa akadai. Uyezve, inishuwarenzi ichi kuvakadzi vane mimba kana achienda kune imwe nyika zvimwe zvausingakwanisi. Izvi imhaka yokuti vakadzi, mwana asati aberekwa kupesvedzera pangozi dzakawanda kudaro. Sezvinotaurwa muna wongororo, okuti inishuwarenzi takatsunga ne mumwe, asi mutemo uri usingachashandi ari 25 vhiki gestation mudumbu.

International Health Insurance

MMS ndeimwe yenzvimbo yepamusoro uye inishuwarenzi nzwisisika zvirongwa, kusanganisira kupfuura-siyana mabasa.

Pasi mutemo uyu amai vanepamuviri vanogona kuwana:

• chimbichimbi kurapwa;
• kwokurumbidza yakarongwa Ongororo, kubvunza uye kurapwa chero nyika;
• rokufukidza mari zvose zvine chokuita nepamuviri uye pakusununguka;
• mukana kusarudza chero kuchipatara, chiremba uye maternity bhurigedhi;
• chimbichimbi muchipatara kana ekubereka, uyewo vakasununguka inonyaradza marwadzo omusoro;
• vakasununguka vari muchipatara pashure pokuberekwa, uyewo zvakakodzera kurapwa, kana zvichidikanwa.

Saka, kana uri pane kunonoka padanho pamuviri, uye vari kuronga kuenda kunze, zvino vanachiremba inishuwarenzi vaifamba kunze kwenyika mimba ndiyo akakwana mhinduro.

Chero zvekushandisa asina kufukidzwa inishuwarenzi kuvakadzi pamuviri?

Vakadzi wongororo dzavo kazhinji kuteerera chokwadi kuti hapana purogiramu yacho moms inishuwarenzi Musafukidza zvinotevera Mapato ose mari:

• kupfupfudzika;
• Kuberekwa nguva isati yakwana.

Achitaura ekupedzisira, inishuwarenzi mutemo Anofukidza mari chokuita vakurumidze nokuberekwa, kana vakanga kunze nokuda ngozi utano uye upenyu mai kana mwana.

Kurambidzwa chiito mitemo kuti gestational zera

chirongwa inishuwarenzi youtano kwakajairika kunosanganisira rokufukidza mari zvose chokuita pamuviri, kureva urongwa zvashata kurapwa kana utano uye upenyu mudumbu kana mai anotyisidzirwa. Zvisinei, mutemo chinoshanda chete kusvikira wegumi vhiki pamuviri, pashure pacho achaparadzwa wacho. Izvi chinyatsotsanangurwa ari chibvumirano, nokuti insurer haadi kuita mamwe njodzi.

Rakatanga inishuwarenzi nokuti kusiya kwose nepamuviri rinotaura zvakawanda Mapato ose zvekushandisa, kusvikira 31 vhiki gestation. Ukuru inishuwarenzi premiums pamusoro inishuwarenzi mutemo, nyanzvi dzinoti, dzinosiyana 10 kusvika 50 zviuru euros.

Action pamusoro panowanikwa insured zviitiko

Kana, panguva mutsigiro kunze pane chiitiko insured, akagovera nokuda chibvumirano, kutaura pamwe insurer rimwe nhamba akanyorwa mutemo, uye kupa pachedu Data dzavo, nhamba inishuwarenzi, uyewo chaiyo kero yenyu ano nzvimbo. Representatives dziripo 24/7, saka unogona kuwana rubatsiro chero nguva zuva kana usiku. Inishuwarenzi yokufamba vakawanikwa pamuviri achipfeka dzizere kutarisira yeGmail.END_STRONG kumarudzi ake vari zvokurapa chivako.

Panotaura nezvei paanenge achisarudza chirongwa inishuwarenzi?

Kufunga kworudzii chirongwa inishuwarenzi kusarudza, amai vanepamuviri vanofanira kufunga pfungwa dzinotevera:

• panguva ipi pavaipfuura pamuviri zvinogona rakapa inishuwarenzi;
• uwandu vachibhadhara inishuwarenzi;
• nokuti sei refu kugara kune imwe nyika ine mutemo.

No kukosha ndiye mukurumbira uye rakavimbika insurer, asi zvinhu pamusoro apa dziri anokosha.

Policy izwi

inishuwarenzi Chero kuvakadzi vane mimba paaifamba kunze kwenyika, pasinei kwemarudzi, rinoshanda kwemwedzi 12 kubva musi nemasaini chesungano pakati insured uye insurer. Panyaya iyi muripo unoitwa zvizere panguva kusaina magwaro. mutemo unoshanda zvose mutsigiro kunze, kubvira nguva kuyambuka muganhu uye anopera kudzoka kunyika yokumusha kwavo. Kana uchironga nguva kuenda kunze kwenyika, zvinokwanisika kugumisa kondirakiti imwe chete-nguva inishuwarenzi kwenguva kwemwedzi 12 uye rwendo ose kushandisa mabasa inishuwarenzi.

A mashoko mashoma pamusoro misungo

Mumwe inishuwarenzi chezvawanyora pamuviri paaifamba kwose inishuwarenzi pamusoro dzimwe njodzi uye inopa nhau kuti zvimwe zvinhu zviri zvekushandisa, saka, kwete kuva dambudziko, Zvinokurudzirwa kuti ukaverenga inishuwarenzi chibvumirano kuti panguva yayo kushongedzwa. Cherechedzai chipiwe zvimwe zviitiko anozivikanwa inishuwarenzi.

insurers Most kuchazadza mari chokuita muchipatara pamuviri amai kuchipatara, vanofanira kudiwa simuka, uyewo vokutanga kugadzwa uye nokukurumidza chirwere muitiro. Muchiitiko chino, mari yose chokuita kukurukura uye zviri amai mwana kuchipatara, pamuviri kana magadzirira kubereka, hadzina ndanyarara hangu, kana vasina artificially dzinovhurika nokuda ngozi utano uye upenyu mai kana mwana.

Zvinotaurwa insurer nani kusarudza?

Zvinosuruvarisa, mudzimai kumusika, makambani mazhinji dzinoita mabasa inishuwarenzi vakadzi anotakura mwana uye vari kufamba kunze. Industry Hofori havadi kukanganisa pamwe mirayiridzo iyi nokuda rakawandisa ngozi. Kunyange zvakadaro, pane zvimwe insurers, kuburikidza iyo inogona rakapa inishuwarenzi kuvakadzi vane mimba paaifamba kwose.

"Liberty Mutual"

Mumwe vatungamiriri Russian iri urongwa mabasa inishuwarenzi. The insurer inopa vatengi chirongwa "Standard", iro anobvumira ruzhowa vanaamai pamuviri ne gestational zera, kusapfuudza kwemavhiki gumi. Vhoriyamu vachibhadhara inishuwarenzi tiri 20, 50 uye 100 zviuru euros. Kugadzira inishuwarenzi kwevhiki mbiri, apo chiito chinonzi chero nyika kwenharaunda Schengen ndomumwe chiuru rubles.

"Kubvumira"

A kambani duku kuti inopa vanaamai pamuviri purogiramu inokosha unokubvumira inishuwarenzi pachavo panguva yavaigara imwe nyika kuti pamuviri kusvikira vhiki 24. Mutemo anofukidza zvekushandisa zvose maringe kurapwa uye zvokuongorora pamusoro pathologies siyana, kubvisa pamuviri panyaya kutyisidzira raamai upenyu, uye mabasa kuchengetedza pamuviri. The kunonyanyisa Huwandu muripo inishuwarenzi ndiyo 5,000 euros.

"Ingosstrakh"

Inishuwarenzi nokuti vaifamba kwose nepamuviri mu "Ingosstrakh", kuwedzera kune huru zvinhu zviri zvekushandisa, rinotaura nokurapwa nokuda pakurapa neutachiona, uyewo sunburn. Huwandu muripo kunogona 30, 50 kana 100 000 000 EUR kana USD.

Naizvozvo Bupa

Zviri kambani huru Danish inishuwarenzi, ichipa akasiyana-siyana zvirongwa inishuwarenzi pose. Inishuwarenzi nokuti pamuviri pavaifamba kunze kwenyika kubva Naizvozvo Bupa rinotaura mari zvose chokuita nourongwa zvashata mishonga pamuviri vanamai, gestational zera vhiki asingasviki 36.

Kugadzira Pepa inishuwarenzi Mutemo kuburikidza neindaneti

Kana uri kuronga zororo kunze kana bhizimisi rwendo, asi nguva kuenda kuhofisi kambani ikoko, inishuwarenzi kuvakadzi vane mimba paaifamba kunze kwenyika kunogona rakapa paIndaneti. Pari, basa rakadaro anopiwa vose vatatu mumhuri makambani:

1. "Rusununguko" - inishuwarenzi vevanaamai pamuviri vane gestational makore vhiki 12, kana kufamba kunze kwenyika.
2. "Rosgosstrakh" - chikuru maternity inishuwarenzi chirongwa aine izwi vhiki kusvika 31 pamuviri, izvo zvinosanganisira mutengo kuti urongwa dzenjodzi kurapwa.
3. "European Travel Insurance" - chinopa mabasa inishuwarenzi navanaamai ramangwana, gestational zera vhiki asingasviki 31. Kuwedzera dzinokosha ngozi kavha mari chokuita vakurumidze nokuberekwa, uyewo utano uye zviri richangoberekwa muchipatara.

Nokuti kunyoresa Gwaro vanofanira kuenda pamutemo Website ari insurer, muzadzise fomu paIndaneti uye kuti muripo pasi chibvumirano inishuwarenzi.

To ngaateme inishuwarenzi gwara kunze kana kwete - Ibasa wose. Asi zviri nani kuti varege pangozi, nokuti chinhu chingaitika, chinhu.