Inshuwaransi ya zamankhwala pambuyo pasipoti ndiye chikalata chofunikira kwambiri choyendera mukamayenda. Ndichofunikira chofunikira kumayiko ambiri chomwe chimakutetezani ku zinthu zomwe zingachitike mukamapita kudziko lina.
Munkhaniyi muphunzira chilichonse chomwe mungafune kudziwa zamomwe mungasankhire inshuwaransi yapadziko lonse lapansi, kuti mukhale odekha m'dziko lomwe mukupita ndipo nkhawa yanu yokha ndikusangalala.
Kodi inshuwaransi yadziko lonse lapansi ndi chiyani?
Inshuwaransi yanthawi zonse yazachipatala imafotokoza zaumoyo wa omwe ali mgululi m'dziko lawo. Ndondomeko yokhala ndi inshuwaransi yaboma kapena yoletsa kupewa monga Mexico Institute of Social Security kapena Institute of Social Security ndi Services of State Workers, sikufalikira kunja.
Zikatero munthuyo amangosiyidwa osatetezedwa ndipo amayenera kulipira m'thumba chifukwa cha zovuta zilizonse zakunja.
Inshuwaransi yapadziko lonse lapansi imachotsa zofunikira m'malire ndipo kampani ya inshuwaransi ili ndiudindo wopezeka m'maiko ambiri padziko lapansi.
Inshuwaransi yodziwika bwino kwambiri padziko lonse lapansi ndi inshuwaransi yapaulendo.
Kodi inshuwaransi yapaulendo padziko lonse lapansi ndi chiyani?
Inshuwaransi yamankhwala yapadziko lonse lapansi ndi mgwirizano wa inshuwaransi womwe umakhudza zochitika zaumoyo za munthu, panthawi yomwe amapita kudziko lina.
Ndondomekozi zitha kulipira ndalama zina monga:
- Kubwerera kwadzidzidzi chifukwa cha imfa ya abale.
- Kuyimitsidwa kapena kuchedwa kwakanthawi kwa ulendowu pazifukwa zomwe sanakhudzidwe ndi apaulendo.
- Kusamutsidwa, kugona ndi kusamalira wachibale, kuti azithandizira kuchipatala.
- Ndalama zosinthira zikalata ndi zomwe zakubedwa panthawi yomwe mukukhala kunja (pasipoti, makhadi, foni yam'manja, laputopu ndi ena).
Chifukwa chiyani mumagula inshuwaransi yapaulendo padziko lonse lapansi?
Ngakhale anthu ambiri amakhulupirira kuti inshuwaransi yaumoyo wodwalayo siyofunikira chifukwa amaganiza kuti sangayende ulendo wamasabata awiri, 3 kapena 4, akulakwitsa.
Izi ndi zifukwa zomveka zogulira inshuwaransi yapaulendo padziko lonse lapansi:
Kuyenda kumawonjezera ngozi
Mukamayenda mumawonekera poyera kuposa momwe mumakhalira mumzinda, chifukwa kugwiritsa ntchito malo oyendetsa ndege, ndege ndi nyanja kumakulirakulira, zomwe zimapangitsa mwayi wangozi.
Malangizo achitetezo omwe mumagwira nawo ntchito mumzinda wanu satha kugwira ntchito mukakhala kwina.
Paulendo wanu, mutha kusangalala ndi zosangalatsa m'malo omwe mukuwawona koyamba.
Jet lag ikukhumudwitsani pang'ono ndipo mwina mutha kukhala opanda nkhawa kwamasiku ochepa. Mudzadya ndi kumwa zinthu zatsopano zomwe zingakuvulazeni. Mupuma mpweya wina ndipo mwina sungamveke bwino.
Kuyenda kumawonjezera chiwopsezo ndipo ndibwino kuphimbidwa.
Simungatengeke
Chinsinsi chomwe okayikira amagwiritsa ntchito poyenda ndi inshuwaransi yaulendo chimaphatikizapo malingaliro awiri: ndi masiku ochepa chabe apaulendo ndipo sindimadwala.
Ngakhale mutha kukhala athanzi labwino, simungathe kuwongolera kwathunthu ngozi yomwe ingachitike, chifukwa ngozi sizinganenedweretu. M'malo mwake, chiopsezo chimakulirakulira mwa anthu athanzi chifukwa amalolera kuchita zowopsa.
Intaneti ili ndi nkhani zambiri za apaulendo omwe adakwanitsa kutuluka mosatayirira kunja, chifukwa anali ndi inshuwaransi yapaulendo.
Simuyenera kukhala cholemetsa kubanja lanu
Nthawi zonse makolo amakhala okonzeka kuchitira ana awo zonse, koma sizabwino kuti mumawayika pamavuto chifukwa chadzidzidzi chomwe muli nacho kunja, osakhala ndi inshuwaransi yothandizira.
Makolo amadziwika kuti amayenera kupanga zopereka kapena kugulitsa gawo lazinthu zawo kuti abwezeretse mwana wovulala kapena wakufa paulendo wakunja.
Muyenera kukhala odalirika komanso osamala ngati china chingakuchitikireni kunja kwa dziko lanu, zomwe zitha kuthetsedwa popanda kukhudza anthu ena koposa momwe mungafunikire.
Mapulani apaulendo atha kusintha
Ndizotheka kuti chifukwa chachikulu chomwe mungaperekere inshuwaransi yapaulendo ndikuti mudzakhala mumzinda wotetezeka kwambiri ndipo simukukonzekera kuchita zoopsa. Komabe, mapulani amatha kusintha ndikukhala komwe mukupita mungafune kuchita zina zomwe sizinali paulendowu.
Mwachitsanzo, mizinda yambiri yaku Asia imadziwika bwino ndi njinga zamoto, bwanji ngati kukhala ku Ho Chi Minh City (Vietnam) kapena Bangkok (Thailand) kukupangitsani kubwereka njinga yamoto? Bwanji ngati mukufuna kubwereka galimoto kudziko lomwe mumayendetsa kumanzere? Zowopsa ziwonjezeka mosayembekezereka.
Ndikofunikira kulowa m'maiko ambiri
Mayiko ambiri padziko lapansi amafuna inshuwaransi yapaulendo kuti alole kulowa kwa wokwerayo. Ngakhale oyang'anira olowa nthawi zambiri samapempha izi, ali ndi mphamvu zokulepheretsani kulowa ngati mulibe.
Kodi inshuwaransi yapaulendo yapadziko lonse imaphimba chiyani?
Inshuwaransi yapadziko lonse lapansi yomwe imawononga pafupifupi 124 € kwa okwatirana omwe amakhala masabata atatu ku Spain, akuphatikizapo:
- Thandizo lachipatala kunja: € 40,000.
- Kuvulala kwamunthu pangozi yamagalimoto: kuphatikiza.
- Kubwerera kwawo ndi kuyendetsa, kudwala / kumwalira: 100%.
- Wobwerera munthu kubwerera: 100%.
- Kusintha kwa wachibale: 100%.
- Ndalama zokhala kunja: € 750.
- Kubwerera msanga chifukwa chogona kuchipatala kapena imfa yabanja: 100%.
- Kuwonongeka ndi kuba kwa katundu: € 1,000.
- Chedwetsani kupereka katundu wofufuzidwa: 120 euros.
- Kupititsa patsogolo ndalama: € 1,000.
- Udindo waboma: € 60,000.
- Chitetezo chamlandu wakunja kunja: € 3,000.
- Chitsimikizo cha ngozi chifukwa chakufa / kulemala: € 2 / 6,000.
- Chedwetsani kuchoka kwa njira zoyendera: € 180.
Kodi mungasankhe bwanji inshuwaransi yabwino kwambiri yapadziko lonse lapansi?
Zowopsa mukamapita kudziko lina zimadalira nthawi ya chaka, zomwe zikuyenera kuchitika komanso kumene akupita.
Kupitanso ku Norway sikofanana ndi kupita kudziko lina ku Latin America komwe kuli milandu yambiri, komwe kuli zoopsa zambiri zakuba. Komanso sizofanana kupita kuzilumba za Antillean nthawi yamkuntho kuposa nthawiyo.
Kuyenda ku Europe kukawona ma cathedral ndikosiyana ndi kupita ku bungee kulumpha kapena kuthamanga kumbuyo kwa ng'ombe ku San Fermín Fair ku Pamplona, Spain.
Ngakhale kuyang'ana kumatchalitchi akuluakulu kuli zoopsa zangozi. Wochezera wina adamwalira mzaka za m'ma 1980 pomwe adamenyedwa ndi bomba lomwe adadzipha lomwe lidadziponya, pomwe anali kusilira Cathedral of Our Lady of Paris.
Palibe amene angagule inshuwaransi kuti adziteteze ku zotere, koma ngati ulendowu ndiwokauluka kapena kukwera mapiri, zinthu zimasintha.
Ulendo uliwonse umakhala ndi zoopsa zambiri ndipo inshuwaransi yomwe mungasankhe iyenera kukhala yomwe imakupatsirani mwayi wabwino, pamtengo wokwanira.
Mtengo wapadziko lonse wa inshuwaransi yamankhwala
Mtengo umakhala wofunikira kwambiri pakusankha inshuwaransi yapaulendo yapadziko lonse lapansi.
Mtengo wapadziko lonse wa inshuwaransi yamtunduwu ukhoza kuwoneka wokwera, koma pamapeto pake mumalipira pafupifupi madola 3 mpaka 4 patsiku. Kubwezeretsa komwe sikotsika mtengo kwenikweni.
Mtengo watsiku ndi tsiku wa inshuwaransi ndi wofanana ndi zomwe mungawononge mowa pang'ono kapena switi. Kodi simukuwona kuti ndikofunikira kupatula keke yanu ya inshuwaransi?
Kukhala ndi inshuwaransi yapaulendo kumakupatsani mwayi wogona mwamtendere.
Kodi ndingayende ndi inshuwaransi yapaulendo yomwe ili mu kirediti kadi yanga?
Inde, koma zimatengera mitundu yambiri. Pali zinthu ziwiri zomwe muyenera kudziwa bwino musanayike pachiwopsezo chakuyenda podalira inshuwaransi ya eni makhadi:
1. Zoyenera kukhala nazo: Kodi muli ndi ufulu wopeza inshuwaransi chifukwa choti muli ndi khadi kapena mukukakamizidwa kulipira matikiti a ndege, mahotela ndi zina ndi khadi? Kodi ndizotheka kudziko lomwe mukupitako?
2. Zomwe zaphatikizidwa ndi zomwe sizinaphatikizidwe: musanachoke muyenera kudziwa ngati khadi yanu ya inshuwaransi ikulipirira zomwe mumalipira kuchipatala ndipo ngati ndi choncho, ndi ndalama ziti zomwe mumalipira; ngati ikuphimba katundu wotayika, ndi zina zambiri.
Nthawi zambiri ndalama zolipirira inshuwaransi ya makhadi zimakhala zochepa kwambiri ndipo sizimalipira zambiri mwadzidzidzi.
Chofunika kwambiri ndikudziwa zomwe sizimaphatikizapo. Mwachitsanzo, ngati mupita kukachita masewera olimbitsa thupi, sizigwiritsa ntchito inshuwaransi yaomwe imakhala ndi ngozi kapena yomwe imatsimikizira kuti palibe zomwe zingachitike pangozi zomwe zikuchitika.
Zingakhale zoyipa kuyenda ngati mukukhulupirira kuti inshuwaransi ya kirediti kadi yanu imakwaniritsa zomwe zingachitike, kuti muzindikire kuti sizili choncho mukakhala ndi chosowa.
Kodi muyenera kuyang'ana chiyani kuphatikiza inshuwaransi ya zamankhwala yoyenda?
Pang'ono ndi pang'ono, ziyenera kuphatikizapo chithandizo chabwino chamankhwala komanso kuthekera kochoka mwadzidzidzi kapena zotsalira.
Kuphunzira bwino chithandizo chamankhwala
Pali mayiko omwe chithandizo chamankhwala chitha kulipira madola masauzande angapo patsiku, chifukwa chake muyenera kutsimikizira kuti inshuwaransi yaulendo wanu ili ndi chindapusa chabwino chazachuma komanso kuti ilibe zinthu zomwe zikutsutsana ndi zomwe mukuchita.
Ngakhale pali inshuwaransi yotsika mtengo kwambiri yamayiko yochepera $ 30 paulendo wamasabata atatu, kutengera vuto laumoyo, chithandizo chanu chamankhwala mwina sichikugwira masiku awiri kuchipatala.
Inshuwaransi yotsika mtengo kapena chithandizo chamankhwala chotsika sichingakuthandizeni ngati kuchitidwa opaleshoni mwadzidzidzi kuli kofunikira.
Kuchoka mwadzidzidzi ndikubwezeretsanso zotsalira
Nkhani ya momwe mungasankhire ma inshuwaransi azaumoyo apadziko lonse lapansi kuti mukambirane zinthu zosasangalatsa izi zomwe sizikugwirizana ndi chidwi chapaulendo; koma kuthamangitsidwa mwadzidzidzi ndikubwezeretsanso mafupa sikunyozedwe.
Kubweza mtembo kumatha kukhala kopanda ndalama, ndichifukwa chake kufalitsa zakubwezeretsanso zotsalira mu inshuwaransi yaulendo ndikofunikira.
Kuchoka mwadzidzidzi kungakhale kofunikira, kutengera komwe mukupita komanso dongosolo la ntchito.
Ndi zotchinga izi pamilingo yoyenera, mutha kunena kuti muli ndi inshuwaransi yabwino yapaulendo.
Zowonjezera zowonjezera
Pali zina zomwe mungafune kuchita mu inshuwaransi yaulendo; ngati mungakwanitse, ndibwino kwambiri:
- Kuba ndalama.
- Chithandizo chamazinyo chadzidzidzi.
- Kuchedwa, kuletsa kapena kusokoneza ulendowu.
- Kuba pasipoti kapena zikalata zapaulendo.
- Kutaya kulumikizidwa kwa mlengalenga komwe kumachitika chifukwa cha ndege.
- Kuba katundu kapena kutayika chifukwa cha masoka achilengedwe.
Onetsetsani kuti muwerenge kusindikiza kwabwino kwa mgwirizano wa inshuwaransi kuti mumvetsetse momwe zinthu ziliri pachikuto chilichonse ndikudziwa zomwe muyenera kuyembekezera.
Dziwani kuti malamulo ambiri samakhudzana ndi ngozi zakumwa zoledzeretsa komanso kugwiritsa ntchito mankhwala osokoneza bongo, komanso samakhudzanso zomwe zidalipo kale.
Kodi chimachitika ndi chiyani ndikachitika ngozi kapena ndikadwala ndili paulendo?
Chofunika kwambiri ndikuti muli ndi telefoni ndi njira zina zolumikizirana ndi malo azachipatala omwe amaperekedwa ndi inshuwaransi, paulendowu.
Iyenera kukhala malo omwe amatha kulandira mafoni m'zilankhulo zosiyanasiyana maola 24 patsiku. Mutha kuyambiranso kuchuluka kwa kuyimbaku kudzera ku inshuwaransi.
Ogwira ntchito pakatikati angakuuzeni momwe mungachitire. Ngati sizingatheke kuti mulankhule ndi inshuwaransi kapena simukufuna chifukwa ndi mwadzidzidzi, mutha kuthetsa vutoli nokha ndikupereka ndalama kwa inshuwaransi.
Ngati mudakwanitsa kulipira ndalama zamtunduwu m'mbuyomu, mudzadziwa kuti kuti mutolere muyenera kusunga zoyezetsa, mayeso, mavocha ndi mapepala opangidwa panthawiyi.
Sungani mapepala onse mwakuthupi ndikuwasanthula kuti akhale ndi zosunga zobwezeretsera ndikupanga zamagetsi.
Chinanso chosintha ndi kuchotsera kapena kuchuluka komwe kudzachitike ndi omwe ali ndi inshuwaransi pazofunsa.
Ngati ngongole yanu yazachipatala inali $ 2,000 ndipo deductible ndi $ 200, inshuwaransi idzakubwezerani ndalama zokwana $ 1,800.
MAPFRE inshuwaransi yapadziko lonse yamankhwala
MAPFRE BHD International Health Insurance ndi chida chopangidwa kuti chiteteze kunja, kudzera pamaneti ambiri omwe amapereka chithandizo mosamala komanso chapamwamba.
MAPFRE BHD ili ndi mapulani osiyanasiyana ophunzitsira omwe ali ndi zosankha zingapo, zomwe zimaphatikizapo:
- Ndalama zazikulu zamankhwala.
- Chipatala ndi umayi.
- Matenda obadwa nawo.
- Maganizo ndi matenda amanjenje.
- Kuika thupi.
- Thandizo logona pogona.
- Ntchito zakuchipatala.
- Chemotherapy ndi chithandizo cha radiotherapy.
- Kubwezeretsa mitembo yamunthu.
- Inshuwaransi yaimfa ndi ngozi.
- Thandizo lapaulendo.
Kodi inshuwaransi yamankhwala yabwino kwambiri ndi yotani padziko lonse lapansi?
Cigna ndi Bupa Global ndi njira ziwiri zabwino kwambiri malinga ndi mbiri ya inshuwaransi yamankhwala kunja, kuwonjezera pa MAPFRE.
Cigna
Kampani yaku America ili pamalo achisanu a inshuwaransi abwino kwambiri padziko lonse lapansi, okhala ndi mamembala opitilira 20 miliyoni.
Imapereka chithandizo chamankhwala kudzera pa Cigna Expat Health Insurance, yomwe ili ndi mapulani osinthira anthu ndi mabanja padziko lonse lapansi, ogwirizana ndi zosowa za kasitomala.
Kudzera pa netiweki ya Cigna, omwe ali ndi inshuwaransi ali ndi mwayi wopeza akatswiri ndi malo azachipatala padziko lonse lapansi ndipo ngati sangakwanitse kulipira chithandizo chawo mwachindunji, adzabwezeredwa ndalama zawo pasanathe masiku asanu, ndi chisankho mwa ndalama zoposa 135.
Bupa Padziko Lonse
Mmodzi mwama inshuwaransi ofunikira kwambiri ku Britain padziko lapansi omwe amapereka mwachangu chithandizo chamankhwala chapadziko lonse lapansi.
Ndondomeko yanu ya inshuwaransi, Worldwide Health Options, imakupatsani mwayi wosankha zomwe mungafune komanso zofunika kubanja zomwe zikugwirizana ndi kasitomala, mwayi wopeza mankhwala abwino kulikonse padziko lapansi.
Bupa Global imaperekanso upangiri wazachipatala maola 24 m'zilankhulo zingapo, kuphatikiza Spanish ndi Chingerezi.
Kodi inshuwaransi yabwino kwambiri ku Europe ndi iti?
Inshuwaransi ya zamankhwala yopita ku Europe iyenera kukwaniritsa zofunikira zitatu:
1. Kubwerera kwawo.
2. Chiwerengero cha inshuwaransi.
3. Kuphunzira nthawi ndi gawo.
Kuphunzira nthawi ndi gawo
Ngakhale zikuwoneka kuti inshuwaransi yamankhwala yapadziko lonse iyenera kuphimba wopindulayo panthawi yomwe amakhala kunja, sizili choncho, chifukwa makampani ena amapatula mayiko ena kuti azitsika mtengo. Muyenera kuwonetsetsa kuti komwe mukupita kuli komweko.
Chotsimikizika
Mukapita ku Europe, ndalama zonse ziyenera kukhala zosachepera € 30,000.
Kubwerera
Inshuwaransi yapaulendo iyenera kuphatikiza kubwerera kwawo, amoyo kapena omwalira. Kuphatikiza pa kukhala okwera mtengo, kusamutsa odwala, ovulala ndi zotsalira, kumatanthauza kupsinjika kwamaganizidwe ndi zachuma kwa banja la omwe akhudzidwa, ngati alibe inshuwaransi yoti aziphimba.
Ma contract onse ovomerezeka a inshuwaransi ku Europe akuyenera kukwaniritsa izi. Kuyambira pamenepo, muyenera kugula yomwe imafotokozedwa bwino ndipo ikugwirizana ndi zosowa zanu pamtengo wokwanira.
Kodi mungagule bwanji inshuwaransi yotsika mtengo ku Europe?
Go Schengen imapereka malingaliro kuchokera pa € 17 ndi masiku 10 kuti muyende kudera la Schengen, dera la European Union lopangidwa ndi mayiko 26 omwe mu 1985 adasaina mumzinda wa Schengen ku Luxembourg, mgwirizano wothetsa maulamuliro m'malire amkati, kuwasamutsa malire akunja.
Mayikowa ndi Spain, Italy, Portugal, Austria, Germany, France, Belgium, Denmark, Greece, Slovenia, Estonia, Finland, Holland, Hungary, Iceland, Latvia, Lithuania, Malta, Norway, Poland, Slovak Republic, Czech Republic, Switzerland , Sweden, Luxembourg ndi Liechtenstein.
Pitani pamalingaliro a Schengen a € 17 ndi masiku 10, ovomerezeka ku Schengen Area
Zimaphatikizapo:
- Ndalama zamankhwala ndi zaumoyo: mpaka € 30,000.
- Ndalama zamano: mpaka € 100.
- Kubwezeretsa kunyumba kapena kuyendetsa zamankhwala ovulala kapena odwala: zopanda malire.
- Kubwezeretsanso kapena kunyamula womwalirayo ali ndi inshuwaransi: yopanda malire.
Pitani pamalingaliro a Schengen a € 47 ndi masiku 9, ovomerezeka ku Schengen Area komanso padziko lonse lapansi
Inshuwaransi yapadziko lonse lapansi ikuphatikizapo:
- Ndalama zamankhwala ndi zaumoyo: mpaka € 65,000.
- Ndalama zamano: mpaka € 120.
- Kubwereranso kapena kutumiza kuchipatala kwa ovulala kapena odwala: zopanda malire.
- Kubwezeretsanso kapena kunyamula womwalirayo ali ndi inshuwaransi: yopanda malire.
- Katundu wothandizira malo.
- Inshuwaransi Yobwereketsa Anthu: mpaka € 65,000.
- Ulendo wabanja chifukwa chipatala cha omwe ali ndi inshuwaransi: chopanda malire.
- Kuba, kutayika kapena kuwonongeka kwa katundu: mpaka € 2,200.
- Kuwonjezeka kokhala mu hotelo chifukwa chodwala kapena ngozi: mpaka € 850.
- Malipiro a ngozi zapaulendo: mpaka € 40,000.
Kodi inshuwaransi yabwino kwambiri yamayiko ku Mexico ndi iti?
SeguroteMexico ili ndi mapulani othandizira maulendo kudzera pa Atravelaid.com. Zina mwazogulitsa zake ndi izi:
Atravelaid GALA
Kuphatikiza kufotokozedwa kwa madola 10,000, 35,000, 60,000 ndi 150,000 (chithandizo chamankhwala ndi mano popanda kuchotsera).
- Ntchito yamafoni yadzidzidzi yamaola 24 m'zilankhulo zingapo.
- Kubwezeredwa kuchipatala ndi thanzi.
- Ngongole zaboma, thandizo lazamalamulo ndi ma bond.
- Kulemala ndi kufa mwangozi.
- Katundu inshuwaransi.
- Palibe malire azaka mpaka zaka 70 (kuyambira 70 kuchuluka kwake kumasintha).
Atravelaid Euro Pax
Inshuwaransi iyi imagwira ntchito popita kudera la European Schengen kwa anthu ochepera zaka 70. Zimaphatikizaponso kuthekera kotenga mgwirizano pakati pa masiku 1 ndi 90, ndalama zokwana € 30,000 zakuchipatala popanda kuchotsera, kuchipatala ndi thanzi, ngongole zaboma, thandizo lazamalamulo ndi zachuma komanso kulemala ndi kufa mwangozi.
Kodi mungagule bwanji inshuwaransi yamankhwala ndikufalitsa mayiko ku Mexico?
Mutha kulowa pakhomo la MAPFRE, Cigna kapena wina aliyense inshuwaransi wa chidwi chanu ndikupeza mtengo wa pa intaneti mu mphindi zochepa.
Ku Mexico, MAPFRE ili ndi maofesi ku Mexico City (Col. San Pedro de los Pinos, Col. Cuauhtémoc, Col. Copilico El Bajo, Col. Chapultepec Morales), State of Mexico (Tlalnepantla, Col. Fracc San Andrés Atenco), Nuevo León (San Pedro Garza García, Col. del Valle), Querétaro (Santiago de Querétaro, Col. Centro Sur), Baja California (Tijuana, Col. Zona Río), Jalisco (Guadalajara, Col. Americaana), Puebla (Puebla, Col. La La Paz) ndi Yucatán (Mérida, Col. Alcalá Martín).
Kusankha Inshuwaransi Yadziko Lonse: Zikumbutso Zomaliza
Mosasamala kampani yomwe mwasankha kuti mugule inshuwaransi, musaiwale zotsatirazi:
1. Onetsetsani kuti mwapereka chiphaso chabwino paziwopsezo zazikulu zomwe mupiteko.
2. Dziwani mwatsatanetsatane zomwe inshuwaransi yanu siyikuphatikiza ndi zomwe mungalandire phindu la zomwe zimakhudza.
3. Onani bwino ndalama zomwe ali ndi inshuwaransi. Inshuwaransi yotsika mtengo kwambiri imatenga ndalamazi ku ziwerengero zomwe zimawoneka ngati ndalama zambiri ku Latin America, koma ndizochepa kuchipatala ku Europe ndi madera ena.
4. Musachedwe kugula inshuwaransi. Ngati mugula mphindi yomaliza ndipo ngati lamuloli likhazikitsa nthawi yoyamba "yopanda chinsinsi", mutha kukhala osadziteteza m'masiku oyamba oyenda.
5. Kumbukirani kuti zotchipa ndizokwera mtengo. Pali njira zambiri zopulumutsira ndalama paulendo, koma inshuwaransi si lingaliro labwino.
Umenewu ndi chidziwitso chomwe muyenera kudziwa momwe mungasankhire inshuwaransi yapaulendo padziko lonse lapansi. Tikukhulupirira kuti ikuthandizani kwambiri, chifukwa chake tikukupemphani kuti mugawane ndi anzanu pamawebusayiti.
