Koj Puas Xav Tau Kev Tuav Pov Hwm Tsheb Them?
Xav txog cov xwm txheej no:
- Koj poob thiab ua txhaum koj ceg thaum mus xyuas Croatia. Koj yuav tsum ya tsev, tsis tau khoov koj lub hauv caug sab laug.
- Ob hnub ua ntej koj yuav ya mus rau New Zealand, koj tuaj nrog xyoo no qhov kab mob khaub thuas.
- Koj lub nkoj nkoj tsis tuaj yeem tawm mus raws sijhawm vim tias muaj nag xob nag cua nyob hauv koj lub nroog mus.
Yog tias koj yuav kev tuav pov hwm kev ncig mus txawv tebchaws ua ntej koj pib mus pib, koj tuaj yeem rov qab tau ntau qhov nqi ntawm koj lub tsheb mus tsev lossis tus nqi ntxiv ntawm ya tsev thaum neeg tsis taus.
Xav txog kev yuav kev pov hwm mus ncig teb chaws kom tsis txhob muaj teeb meem ntawm kev npaj los ntawm kev ua kom koj tus npau suav so.
Kev Tuav Pov Hwm Them Lub Tshaj Puas Yog Dabtsi?
Txawm hais tias qee cov neeg ua haujlwm hauv lub tebchaws tau hais tias kev pov hwm mus txawv tebchaws tsis muaj nqis rau cov nyiaj, cov neeg taug kev laus yuav tsum tshawb nrhiav qhov teebmeem no kom zoo rau ntau yam.
Yog tias koj txoj kev fajseeb khomob nkaus xwb yog Medicare lossis Medicaid thiab koj npaj yuav mus rau lwm lub tebchaws, koj yuav tsum tau txais kev fajseeb khomob hauv tebchaws. Medicare tsuas yog them rau cov nuj nqis uas tau tshwm sim hauv Tebchaws Meskas. Yog tias koj mob los yog raug mob thaum nyob txawv teb chaws, koj yuav tsum tau them koj cov nqi kho mob rau pem hauv ntej, txawm tias koj tsis muaj ntawv kho mob. Kev kho mob thaum muaj xwm ceev yuav kim heev, thiab kev khiav tawm tsev kho mob (ya tsev thaum mob los yog raug mob) them nqi txhiab daus las.
Yog tias koj muaj ntaub ntawv los ntawm HMO, xyuas seb koj puas tuaj yeem tau txais kev kho mob ti tes tiaj li ntawm HMO qhov chaw pabcuam. Qee cov HMOs yuav tsis them cov nqi kho mob sab nraud lossis thaj chaw kho mob sab nraud.
Cov kev pab them nqi kho mob tuaj yeem yog ib txoj hauv kev zoo ntxiv rau koj qhov kev fajseeb khomob yog tias koj qhov HMO qhov chaw pabcuam raug txwv.
Yog tias koj tuaj yeem xa ib qho chaw twg los yog caij nkoj thiab yuav tsum tau them, koj yuav raug nplua rau ntawm koj tus neeg teb xov tooj ncig los sis tus hneev taw nkoj yog tias koj xav tau tawm koj txoj kev mus los. Qhov kev nplua no yuav yog ntau tshaj qhov nqi ntawm kev tshem tawm kev tshem tawm kev kho mob.
Yog tias muaj, kev tshem tawm kev tawm mus ncig kho mob yuav thaiv koj los ntawm kev poob loj dua.
Yog tias koj mus ncig ntau zaus, xav txog kev koom tes txhua xyoo rau txoj kev pabcuam thaum muaj xwm txheej ceev xws li MedjetAssist. Rau ob peb puas duas las txhua lub xyoo, koj yuav tau txais kev thauj mus los thaum muaj xwm ceev rau koj lub tsev kho mob uas koj xaiv tau yog tias koj yuav tsum tau muaj mob los yog raug mob.
Hom Kev Pov Hwm Thauj Mus Los
Lub khw muag khoom pov hwm kev taug kev tuaj yeem cuam tshuam. Muaj ntau hom kev npaj pab kas phais txawv tebchaws. Qee qhov tsuas yog ib hom kev pab them nqi kho mob xwb, thaum lwm tus muaj cov cai tswjfwm.
Raws li US Travel Insurance Association (UStiA), muaj peb hom kev pov hwm kev nyab xeeb hauv kev caij tsheb:
Tshem Cancellation / Kev Them Nqi / Them Nais Phem
Txoj cai tswjfwm no npog cov nqi ntawm koj cov nuj nqis them ua ntej yog tias koj xav tau rho tawm koj qhov kev mus los. Kev tshem tawm kev tshem tawm kev pov hwm yuav rov them nyiaj rau koj yog tias koj tuaj yeem tsis tau koj qhov kev mus ncig vim tias koj los yog tus neeg hauv koj tsev neeg mob los yog thaum muaj teeb meem huab cua tiv thaiv koj ntawm kev mus los. Nws tseem yuav them rov qab rau koj vim ploj lawm . Qee cov cai tswjfwm kev them nqi nyiaj txiag ntawm koj lub chaw xa khoom los yog them nyiaj rau cov chaw pw thiab noj mov thaum lub caij nyoog uas pib tom qab koj pib mus pib.
Kev Pab Them Nqi Kho Mob Ti Tes Ti thiab Kev Tawm Thaiv Kev Tawm
Qhov no them rau kev kho mob thiab them tus nqi xa rov qab rau thaum muaj xwm txheej ceev.
Qhov kev pab no yog qhov tseem ceeb tshaj rau cov neeg taug kev laus vim nws them rau cov nqi kho mob uas tau muaj nyob sab nraum koj lub tebchaws.
24-teev Xov Tooj Pab Xov Tooj
Cov kev pab no muab cov neeg taug kev tuaj yeem yooj yim los nrhiav tus kws kho mob thiab tau txais kev pab thaum muaj xwm ceev. Nws yog qhov yuav pab tau tshwj xeeb tshaj yog tias koj nyob hauv thaj chaw uas tsis yog lus Askiv tsis tau hais lus.
Qhov Chaw Tshawb Nrhiav Cov Ntawv Pov Hwm Kev Tiag
Hu rau koj lub tuam txhab pab kas phais thiab nug seb lawv puas yuav muag cov ntawv pov hwm kev nyab xeeb.
Hu rau US Travel Insurance Association, Travel Health Insurance Association hauv Canada los yog koom haum ua lag luam hauv koj lub teb chaws. Nug kom tau ib daim ntawv teev cov npe kas moos ncig hauv koj cheeb tsam. Cov koom haum tshaj lij no tseem muaj ntaub ntawv qhia txog kev pov hwm mus txawv tebchaws.
Nug ib ncig. Yog tias koj koom rau hauv kev tshaj lij, koj tuaj yeem xa ib lo lus nug txog kev tuav pov hwm kev ncig mus ncig thiab nyeem txog lwm cov neeg taug kev.
Hu rau cov phooj ywg thiab nug seb lawv puas tau yuav kev fajseeb khomob hauv tebchaws.
Siv qhov chaw sib piv hauv online sib piv, xws li InsureMyTrip.com, SquareMouth.com, los yog TravelInsuranceCenter.com los pab koj tshawb fawb cov nqi thiab cov nqi.
Yuav Ua Li Cas Rau Cov Tuam Txhab Nyiaj Ua Kev Taug Kev Mus ncig
Nrhiav kom tau ib txoj cai uas muaj cov xwm txheej ua ntej; ib txhia tsis ua li. Lwm tus yuav them rau cov xwm txheej uas twb muaj lawm ua ntej yog tias koj yuav koj cov cai hauv lub sijhawm teev tseg tom qab them koj qhov nyiaj tso tawm.
Yog tias koj mus ncig xyuas cov kev ua si lossis kev ua si taug txuj kev nyuaj, nrhiav txoj cai uas muaj kev tiv thaiv taug kev mus ncig thiab kev kis las. Muaj ntau txoj kev pov hwm mus txawv tebchaws yuav tsis them rau kev raug mob siab.
Nyeem tag nrho cov cai. Tsis txhob cia lwm tus cov lus piav qhia txog kev pab them nqi kho mob. Yog tias koj tsis nkag siab txog dab tsi thiab muaj dab tsi tsis, nug cov lus nug ua ntej koj yuav.
Txawm hais tias kev pab them nqi kho mob tsis pheej yig - nws tuaj yeem tau ntxiv li ntawm feem pua ntawm cov nqi ntawm koj qhov kev mus - nws tuaj yeem ua rau koj muaj kev thaj yeeb thiab muab kev pab nyiaj txiag yog tias muaj tej yam tsis zoo tshwm sim.