Insurance e Thailand: ukuba ukhetha ntoni? Zonke imigibe

Yintoni umahluko osisiseko phakathi kokuhamba kumazwe angaphandle ukhenketho package kunye self-nokucwangciswa nohambo? Kwimeko yokuqala itikiti sele ibandakanya i-inshorensi, kodwa kwi enye uxwebhu yesibini ukuya wabakhenkethi kuya kufuneka ubhalise ngokwakho. Xa sifumana ithuba lokuya kutyelela eshushu, kodwa eqhelekileyo ukuba amazwe Russian afana Thailand, umxholo we-nkqubo wokufumana kuyimfuneko ukuya kwangaphambili. Yintoni i-inshorensi ukuze ukhethe ukuba uhambo eThailand? Khetha, apho kuthenga, eenkampani iimpendulo ezahlukeneyo ngezantsi.

inkampani yeinshorensi Assistens kunye - yintoni ebaluleke ngakumbi?

Nengqiqo inkampani yeinshorensi (umbutho), abaninzi eqhelekileyo ixesha elide. Kodwa kwinkcazelo Assistens (ukusuka Eng. Uncedo) yi yayisathe engaqhelekanga. Enyanisweni, yonke into nje enye: Assistens imele into kwebhunga esebenzayo of kwinkampani ye-inshorensi, kunokuthiwa kwisebe. Xa ingozi i candelo liya kusingatha amaxhoba (contact), kufuneka ukuba ahlawule ukunyanga umhambi.

Xa ukhetha inkampani ethile kufuneka bahlole womelele udibaniso lombutho lomzali kunye neeyunithi ngentla. Engcono abantu kanye loo mibutho abasebenza inyanda esisiso. Kuphela ke sinako ngokukhuselekileyo ukubala kwinkonzo elula, ecacileyo kakuhle xa kuthe kwakho imeko-inshorensi.

Kwezinye iimeko, Assistens uyakwazi ukwenza izigqibo enze ngaphandle buqinisekisa rhoqo ezivela kulawulo. Ngaloo ndlela umsebenzi ezimbalwa iinkampani ze-inshorensi kuphela. Noko ke, asingabo bonke ngoko ilula: kwinkululeko enjalo kwiiyunithi inyathelo Ukuseta umda kwi $ 1000, amatyala inshorensi efuna anqabileyo, kufuneka kuvunyelwane ngqo ngenkampani umzali.

Xa nokubeka Assistens best iquka la macandelo alandelayo:

• Assistance Mondial.
• Euro-centr (ERV).
• uncedo AXA (AXA) kunye nabanye.

Ukongeza, ekupheleni kwekhontrakthi inshorensi kufuneka kuqwalaselwa ukuba esibhedlele yonke unako ukusebenza kunye Assistens ekhethiweyo. Ingxaki kwakhona kuxhomekeke kwinto yokuba ezi ngxaki behlelwa kakhulu kwiidolophu ezincinane, asinto ithandwayo ingakumbi kunye kubakhenkethi. Ngaphambi kokukhetha Assistens aze angene kwisivumelwano, kufuneka ufumane i-izibhedlele (apho kukho intsebenziswano) kwindawo oya kuyo.

Abo kubakhenkethi sekunjalo isigqibo nokuba inshorensi Thailand iyafuneka, kuyimfuneko ukwazi umahluko phakathi imozulu kunye nokutya kwi Russian. Emva kwabazana eneenkcukacha kunye mibuzo onke amathandabuzo shwaka. inshorensi yempilo lokuhamba in Thailand kufuna enyanzelekileyo.

phi ndithenga inshorensi: sevisi ye-intanethi

Ukuthenga kwi Internet bezisoloko eziqhelekileyo. Abantu ukuthenga kwi Web iintlobo ezahlukeneyo iimveliso: ukusuka zombane ekhaya, elektroniki kunye ngefanitshala ukutya. Le web enkulu wathengisa yonke into kuquka inshorensi eThailand, ukuthenga i-nkqubo, musa nokuba ufuna ukuhamba ekhaya - kunye konqakrazo nje ezimbalwa.

imigaqo-Price phezu websites ezisemthethweni beenkampani aggregators zahlukile kakhulu, ngoko ke kungcono ukuba kuqala ukuhlola zonke iinketho, kwaye kuphela emva koko wenze ukhetho lokugqibela. -inshorensi yokuhamba ukuya Thailand - isiqinisekiso ukufikelela kukhathalelo lwempilo kwinqanaba ngokwaneleyo, xa kukho imfuneko.

Ngoko ke, khangela, khetha uze uthenge inshorensi inokuba izibonelelo ilandelayo:

• "Sravni.ru".
• Cherehapa.
• Tripinsurance.

Lwalo lokuqala lixhotyiswe umnxeba-iziko kunye nomgca eshushu, abaqhubi-time real bakwazi ukucebisa zezona ndlela zokuhamba kuncede ukuthenga. Ukongeza, apha amelwe phantse kuluhlu olubanzi lweentlobo ezahlukeneyo inshorensi. Umbutho wemikhwa ihamba yonke imicimbi ephathelele kwi-inshorensi de umgaqo-nkqubo ngesandla.

I-Web site yesibini inika abathengi iinketho ezininzi kangako, kodwa ujongano olulula kwaye ongenantandabuzo. Ukongeza, ke isikolo sisisibonelelo ikuyo ukuba abe ngumntu obonakalise elide icala entle kumazwe amaninzi.

Umba wesithathu kusebenza ngqo enye Assistens phambili - Mondial Assistance. Umyalelo kunye strahvogo intlawulo nomgaqo-nkqubo wenkampani lwenziwa ngokusebenzisa i-World Wide Web, kwaye namaxwebhu ifunyenwe njenge imveliso ogqityiweyo nguMthengi ngeposi.

Ziziphi Iinkampani ze-inshorensi zibonakaliswa njengemali engcono?

Uluhlu iinkampani ze-inshorensi omhle ngokwenene, ngoko ke itoti kubakhenkethi ixesha elide ukuba ucinga, yintoni ukukhetha inshorensi in Thailand. Ezantsi apha kukho uluhlu lwe iinkampani ezahlukeneyo Assistens zabo. Kuyimfuneko kuphela ukuqwalasela ukuba akusoloko intlangano isambuleli neyantlukwano ezinxulumene ngqo.

Iinketho eziliqela asebenze ngokubambisana (ofisi eyintloko - unit ngqo):

1. ERV ezinika (Euro-centr). Icandelo phambili kukuba eYurophu, ukuze inkonzo efanelekileyo: Euro-centr ithathwa njengenye engcono. Insurance eThailand, ezenzelwe kule mbutho Uze iinketho iingozi ezinjalo, ngathi kokuwa ibhayisekile okanye kwingxaki lokukhulelwa. Ukhetho engcono kungaba ukuba umyalo site Cherehapa: ukuze wonge imali eninzi imali ukuze ufumane efanayo iinkonzo. Hi ndlela leyi, olu khetho uya kubiza nokuba zitshiphu inshorensi in Thailand "Imvume".
2. Tripinsurance (Mondial). Kulo mzekelo, umyalelo kunye nokuthengwa inshorensi nkampani ngokwayo Tripinsurance. Lo mbutho abe Assistens ezintle, nto leyo eRashiya akukho msebenzi, yaye ngaloo ndlela anikele kuphela. Option ineendlela ezininzi: inkampani kuphela inika ukhathalelo elifutshane elide, kodwa ke ubhaliso yonyaka-inshorensi, izibonelelo ezongezelelweyo kunganxulunyaniswa ulandelelwano-nkqubo emva kohambo eThailand. Kakade ke, isivumelwano esinjalo kubiza kancinane imali eninzi, kodwa i-inshorensi yezempilo in Thailand uya eyenzelwe ukungena phantse naziphi na iingozi kunokwenzeka.
3. VTB (GVA). olu khetho ingqalelo nanjengoko uhlahlo lwabiwo-enokwenzeka. Nangona malunga abakhenkethi Assistens GVA ngokwabo musa ukuthetha okuhle kakhulu, kodwa ungasebenzisa ngayo. Okukhona ukuba kufuneka uqiniseke ukusebenza nge VTB kwi ukhetho kule yunithi ethile, apha ndizilandile nje mali incinci ingxelo embi. Insurance in Thailand ngokusebenzisa iqela kunokuba kakhulu ethembekileyo.

iindleko ze-inshorensi

Ixabiso le-nkqubo yahluka, kuxhomekeka iinketho abanziweyo mveliso nkonzo. Xa olu qoqosho iinketho badla intsonkothe ngaphezulu kunayo ezibizayo. Inshorensi ukuba uhambo ukuya Thailand nayo kubalwa ngokususela ubudala umkhenkethi. Ezinye iinkampani ebekwe lomlingani ephakamileyo abantwana, ingakumbi abo bangaphantsi kweminyaka engama emithathu, kodwa ukonga-nkqubo ayikho imfuneko. Hi xikombiso, i "Imvume" IMiba nkqubo inye umntwana ukuya kwixabiso ngonyaka ngaphezu kwesiqhelo ezintlanu. Kungenxa yoko le nto ngomzuzu yeinshorensi ayikho ethandwa kakhulu ngabakhenkethi, ingakumbi abantwana.

Kwakhona kuthathelwa ingqalelo kunye nenani leentsuku echithwe ekhefini. Inshorensi okuhambela ku Thailand iya kubandakanya kwakhona iinketho ezongezelelweyo ngohlobo kwezemidlalo kakhulu okanye lihamba ngesithuthuthu. Hi ndlela leyi, nceda uqaphele ukuba ukuba ingozi yenzekile ngexesha ukulawula ibhayisikile, kodwa ixhoba ngeli xesha enxila, iindleko zonyango ayigqitywanga. Ngokubanzi, abalandeli ukuphumla esebenzayo kubhetele ukuba usebenzise olu khetho xa inshorensi uhambo Thailand ukuquka ngeenkonzo ezongezelelweyo.

On amaxabiso avareji phakathi kwezindululo ngolu hlobo lulandelayo:

• iintsuku 7: kuthanjiswa esbnzyo - ukususela 697 engange, ngaphandle kwesiganeko - ukususela 568 engange;
• iintsuku 14: imisebenzi ongaphandle - ukususela 1394 engange, ngaphandle kwesiganeko - ukususela 1137 engange;
• 30: imisebenzi ongaphandle - evela engange 3967, ngaphandle kwesiganeko - ukususela 2436 engange.

Ngokutsho coverage elikhankanyiweyo inshorensi data yi-30 amawaka eerandi. Ixabiso Umntu ngamnye iyaboniswa.

bokuqonda ezibaluleke

iinkampani ezininzi abakwazi ukunika-inshorensi, ukuba umda yayisele bawela. Kungenxa yoko le nto ufuna ungenakuwuxhalabela kunye nokuthengwa-nkqubo kwangaphambili okanye xa usenza ukhetha "Mna sele ukuhamba" (ukuba wanikela). Ukongeza, xa ehleli Thailand iintsuku ezingaphezu kwama-30, okanye uhambo rhoqo kuya kuba lula ukukhetha uphawu "umgaqo-nkqubo yonyaka."

Kunqweneleka ukuba bafumane kwaye ukhetho inshorensi iimpahla, kuba iimeko ezahlukeneyo, ingakumbi kwizikhululo zeenqwelo-moya. Ngoko ke, i-inshorensi ukuba uhambo eThailand ngenxa imithwalo kunokuba luncedo kakhulu. Ngendleko, ngasendleleni, lo mgaqo-nkqubo akukho kwahluka kakhulu ukusuka umgangatho.

Qiniseka ukuba uyithathele ingqalelo umnqweno lokuphumla inxaxheba, ingakumbi, kwizithuthuthu. Ekhwele ngaphandle mvume e Thailand isigwebo, kwaye ukuba isisulu akukho malungelo, kwaye ukwimeko onxilileyo, inkampani ye-inshorensi ayiyikukuhlawula iindleko zonyango.

Ngaphambi kokuba usayine isivumelwano kunye umbutho, kufuneka ufundisise zonke izinto.

Ukhetho olongezelelweyo - kwaye kukho imfuneko?

Ngokuqinisekileyo, ukuba umkhokeli - i kunyango lweholide ezolileyo kwaye lomse-, inkonzo ezongezelelweyo nantoni na. Kodwa xa ufuna ukuba zonke abali- iiholide, kungcono ukuba izinyamekele yayikukufumana iphakheji olupheleleyo lweenkonzo ukuba ngcono ukukhusela umhambi. Hi ndlela leyi, abantwana sisemi kubalo kweendleko coverage inshorensi ngokutsha 30 amawaka eerandi ukuya ku-50.

Ukongeza, bonke abo baya eholideyini e Thailand, kubalulekile ukwazi ukuba ixhoba phantsi kweempembelelo zotywala ngexesha yokwenzakala okanye enye ingozi, inkampani yeinshorensi inkonzo yonyango akuhlawulwa. Hayi kubaluleke kangaka, ukuba ndanxila iglasi yebhiya okanye isixa ngayo utywala. Kwi zokwamkelwa esibhedlele uwugcinayo uhlalutyo, iziphumo zibonisa oogqirha ukuba utywala egazini umguli.

I-inshorensi yezempilo kakhulu Thailand yi ngozi ithetha intlawulo sele ebuyela ezweni lakhe. Ukufa umkhokeli iya kuhlawuliswa 100% isixa benefits ze coverage, kodwa ukugruzuka kunye Ukophuka ngokuqhelekileyo kwi ngokomyalelo 10-15%. Ngokwabo iindleko zonyango ngoxa Thailand, lo mgaqo-nkqubo nemisebenzi yabo ayiyi kubagubungela.

Yintoni ekufanele ukuba sinikele ingqalelo

Kukho ezinye iinkalo ekufuneka ityeshelwe. Ezi ziquka: isiseko-namhla Insurance, ekufunyanweni franchise, inani leentsuku belay njalo njalo.

Ayiyo yonke imibutho yokubonelela i-inshorensi ngomhla yangoku. Xa ufaka le ukuze-nkqubo leyo abajongene abaninzi. Lo mgaqo-nkqubo uqala ukusebenza ngosuku olulandelayo. Oku hambisa inkampani ukuze bazikhusele labo bayathanda ukwenza i-inshorensi, kakade uhambo.

Qinisekisa ukuba ufunda ngenyameko uluhlu lwamatyala eziya kwamkelwa yi-inshorensi. Eli nyathelo liya kuvumela isiganeko benefits oku akuthethi ukuba ahlale ngaphandle unyango. Ngokomzekelo, ezinye iinkampani musa likhusele nobushushu elangeni nokutya dermatitis.

Kufuneka kwakhona ukuba bavumelane nalo ilungelo - imali leyo ihlawulwe yi amaxhoba xa kuthe kwakho imeko-inshorensi. Amanqaku ngaphezu esi sixa-mali esele ihlawulwe yinkampani. Med. Insurance in Thailand kunye nalo ilungelo enganeno kancinci.

Isixa coverage inshorensi ukuba umntwana kufuneka ngamawaka-50 eerandi. Kwimeko apho kuthe yokwenzakala okanye ukonakala elibukhali kwimpilo yakhe usana ngokukhawuleza ukuya esibhedlele kunye elungileyo ubambe unyango olufanelekileyo.

Ngalo lonke ixesha kukho imfuneko yokucacisa inani leentsuku ukuwa. Isenzo-inshorensi ingatshekishwa kwi nyaka, kodwa ubukho kweli lizwe kuvunyelwa kuphela iintsuku 30/60/90. Ngale ndlela, ingakumbi ikhadi bank inshorensi odumileyo.

Njengomgaqo, inshorensi in Thailand uyakwazi ukuthatha inyathelo ngokukhawuleza emva kokufunyanwa, yaye emva kwexesha elithile. Loo umlinganiselo isetyenziswa ziinkampani ze-inshorensi nxamnye abaxumi abanganyanisekanga abo ukuthenga umgaqo-nkqubo ngoko nangoko emva kwengozi.

Ngaba kunokwenzeka ukuba kuthengwe inshorensi kwi ndawo?

Kakade ke, iinketho kuba nokufunyanwa ipolisi ye-inshorensi sele ekufikeni in Thailand kunokwenzeka, kodwa kubalulekile ukuqwalasela ukuba i-inshorensi iya kuqala ukusebenza kuphela ngosuku lwakhe wesihlanu. Kungcono ke ukusombulula umba ne-inshorensi.

Service for abahambi sele eninzi ngokuphazamiseka. On efanayo mhla kubakhenkethi akukho coverage inshorensi, yaye ezinye iisayithi kunye iinkampani musa nokuba ingxelo ixesha lokungena amalungelo mgaqo-nkqubo, ukuba afunyenwe emva kokuqalisa yokuhamba.

Insurance ngqo umbutho Thai wehlelwa kujonge izinto. The main ethile - ireyithi ephezulu ngaphezu koko leenkampani Russian. Ukongeza, ekufunyanweni-nkqubo Thai iyavakala kuphela xa uceba ukuhlala kweli lizwe ukuze ngaphezu konyaka. Iinkampani Isicwangciso-inshorensi Thailand zidla ecandwe kunyango izigulana kunye izigulane. Kukho izinto ezifika zibe yimiqobo ngokubhekiselele kunikezelo kweziyobisi kunye ukubonelelwa egumbini eyahlukileyo.

Bobubi ziquka into yokuba amandla ngokupheleleyo kwesi sivumelwano uza emva kweentsuku ezingama-30 ukususela kumhla ukusayina. Kude kube ngoko, kukho kuphela inshorensi yengozi.

Kufuneka wenze ntoni xa kukho imeko-inshorensi?

Phambi ziqhagamshelane esibhedlele, kufuneka wazise intlangano ngokwayo, obhaliswe kwi-nkqubo. Ukuza kuthi ga ngoku, olu xwebhu elikhankanyiweyo iinombolo zefowuni kaxakeka. Kufuneka kube lula ukuchaza ngokuchanileyo umqhubi kakuhle ukuba kwenzeke ntoni. Abasebenzi nabo ziya kwaziswa esibhedlele yakho ekufutshane, usebenze kwinkampani ye-inshorensi.

Ukongezelela, maxa wambi abasebenzi bazama yokuyekisa umxhasi ukuba zihambele kugqirha, ngoko ngokufuthi kufuneka ingxelo ukuba imeko lubalulekile, kwaye ukulinda kungaba nesiphumo zingambi kakhulu.

Kuba utyelelo ugqirha uza kufuna ipasipoti nkqubo ngaphambili eprintiweyo.

Rating lokubuyekeza inshorensi

Phambi kokuba wenze isigqibo, kungcono ukubona reviews of iinkampani ze-inshorensi. inshorensi yonyango zohambo ukuya Thailand kufuneka zikhethwe kuthathelwe ingqalelo yonke imibandela.

Rating lumi ngolu hlobo lulandelayo:

• Tripinsurance uthatha iqhayiya kwindawo yokuqala. Abakhenkethi abaninzi nyaka ngamnye ukhethe ngqo kule nkampani. Mondial Assistens - i-inshorensi ilungileyo Thailand, malunga iyunithi nemibono esihle kakhulu. isakhiwo Executive le nkampani iye arhente kwabakhenkethi ezininzi, iingxaki nge-inshorensi kufanelekile ngokukhawuleza kangangoko kunokwenzeka.
• ERV ukho kwindawo yesibini (Assistens - Euro-Centre). Uninzi nokubuyekezwa ezintle, shiya akukho ndiyathingaza ukuthembeka nengqibelelo ngokunxulumene kubathengi. Noko ke, kukho ezincinane, njengoko mandatory nokubhaliswa-nkqubo kuphela ngenxa yokuba ilizwe labo kuyo. Le inshorensi in Thailand (ukubuyekeza ukuqinisekisa oku) na iindleko eliphezulu, kodwa uzinzo mbutho ukukhetha arcade games.
• "Imvume" kwi rating indawo yesithathu. ERashiya, oko phantse i-inshorensi uthandwa kakhulu Thailand, kunye nohlolo jikelele ithemba ngakumbi kunobo neminye imibutho emininzi. Ngowe-2016 le nkampani bangena kwisivumelwano intsebenziswano kunye Assistance Balt.

Iintsapho ezininzi ukuya eholideyini e Thailand, ngokufuthi ukungena kwizivumelwano neenkampani ezahlukeneyo inshorensi bona kunye nabantwana babo. Oku kungenxa yokuba eminye imibutho banethuba kubiza ugqirha phezu kwendlu, anokuba kunyanzelekile kwimeko lokugula komntwana. Ukuze umntu omdala, njengoko umthetho, into ngaphandle loo ukhetho nkqubo.

Abaxhasi wachaza amatyala amaninzi xa eholideyini e Thailand entsatsheni waphathwa umntwana omncinci. Umama nomntwana kuthuthwa kuqala ukuya esibhedlele, ukuba imeko umntwana akabi ngcono, intsapho-moya kurhwetywe ku Bangkok, iingcali kakhulu. Alithandabuzeki elokuba, ezi mpendulo ukunyusa iqondo umxumi nokuzithemba iinkampani ze-inshorensi.

Eminye imibutho ezinkulu ane- forum lwabo online apho nabani na ukubuza umbuzo. Abaqeshwa iinkampani rhoqo esweni iiforam kunye impendulo imibuzo evela kubaxhasi abaphambili kunye ezikhoyo. Kuquka ezikhoyo kunye neengxelo kwiimeko zinokuphikiswa.

Ekuphetheni

Njengoko kubonakala iziphumo izilinganiso nokubuyekezwa abakhenkethi phezu kwiiforam, i-inshorensi ilungileyo Thailand imelwe ziinkampani ezininzi ezidweliswe apha ngentla. Yonke umhambi ungakhetha iimeko eziya kuhlangana ngokupheleleyo iimfuno zalo indleko, ukuzonwabisa, kunye neminye imiqathango.

Phambi kokuba sukela waya maelstrom zentloko yakhe, kungakuhle ukuba ibekele bucala ixesha lokuba bafunde izindululo, umkhanya embodiments ezithile, ncomo kunye neeforam. Kuphela emva kokuqwalaselwa onke amaxwebhu ayimfuneko kwaye icacise bokuqonda eziyimfuneko izigqibo zokugqibela malunga inshorensi kuhle.