Akukho nto ifana nobhubhane ukukhuthaza i-inshurensi yokuhamba. Imigaqo-nkqubo eyenzelwe ukugubungela ukhathalelo lonyango phesheya kolwandle, ukuphazamiseka kohambo, kunye ne-snafus engalindelekanga yayisisityebi esishushu kwi-2020-kwaye loo mfuno imiselwe ukuba iqhubeke kulo nyaka.
Ukuthengwa kwemigaqo-nkqubo yokurhoxisa-nangasiphi na isizathu (i-CFAR), eyona nto ivakala ngathi, ibinyuke ngaphezulu kwama-500 eepesenti ngo-2020, itsho indawo yokuthelekisa i-inshurensi Isikwere .
Ukusukela ngeJuni ka-2020, ipesenti ezingama-90 zohambo esasizibhukishile zazine-inshurensi yokuhamba, utshilo uJack Ezon, umseki we-Embark Beyond kunye nelungu le-T + L & apos; s yeBhodi yeNgcebiso ngezohambo. Oko & apos; kuthelekiswa neepesenti ezingama-58 ngo-2019.
Nangona kunjalo i-inshurensi yokuhamba ayikaze ibe nzima ngakumbi, kunye neemveliso ezintsha ezithi zijongane ngqo nabahambi & apos; amaxhala nge-COVID-19.
'I-inshurensi yokuhamba ayisiyiyo intsimi yamandla omlingo ekhusela zonke iinkalo zohambo lwakho, utshilo uSara Rathner, ingcali INerdWallet . Uninzi lwabanikezeli ngeinshurensi bongeze ulwimi oluthile malunga ne-COVID-19. Njalo, rhoqo, funda rhoqo ukuprinta okuhle. '
Umzekeliso oqinisekileyo obonisa ubusuku obambe isambrela phezu komhambi Ityala: Umzekeliso ka-Ian Murray
Kukwabalulekile ukuba sazi ukuba singaqiniseki ngokuchasene nawe. Ukuba ukhathazekile malunga notyalo-mali osele ulwenzile- loo $ 20,000 yokuhamba ngesikhephe wena & apos; uhlawulelwe ngokupheleleyo ngaphambi kokuhamba-ke ukuphazamiseka kohambo yeyona nto iphambili ekufuneka uyijongile. Ezo nkqubo ziyakhaba xa & apos ungakwazi ukuhamba njengoko bekucwangcisiwe ngenxa yesiganeko esingalindelwanga esifana nengozi ekhaya kwaye, kwezinye iimeko, ukuba wenza isivumelwano ne-COVID-19. Ubume obuqhelekileyo bokurhoxisa uhambo abukhuseli koloyiko lokuhamba ngexesha lobhubhane, ulumkisa uMeghan Walch, umphathi weinshurensi yokuhamba InsureMyTrip . 'Kodwa ukuba ujonga phantsi kwe-hood, uninzi lwemigaqo-nkqubo iya kuba nezibonelelo ezithile abahambi abanokuzisebenzisa kwiimeko ezinxulumene ne-COVID, ezinjengokuvalelwa wedwa ngokuyalelwa ngugqirha kanye phambi kohambo okanye ukuphulukana nomsebenzi wakho ngaphandle kwesiphoso sakho.'
Olunye ukhetho kubahambi abanenkxalabo malunga nokugula kukukhutshwa ngonyango-ngakumbi abo babhalise kwi-Medicare, ekunqabileyo ukuba igubungele unyango ngaphandle kwe-US 'Uninzi lwabantu kunye ne-apos; eyona nto iphambili kwezi ntsuku yi-COVID-19, utshilo uMichael Hallman, i-CEO ye IMedjet , ebonelela ngokhuseleko kunye neenkonzo zokufudusa abagulayo. 'Sibone ukunyuka kwintengiso njengoko iindawo eziqala ukuvula imida yazo.'
Kodwa ukuba u-inshorensi ngokuchasene noloyiko ngokubanzi olungaziwayo, kuya kufuneka uhlawule eli lungelo. Abantu abaninzi bayayisebenzisa imigaqo-nkqubo yeCFAR, utshilo uWalch. Ezi zicwangciso zinokubiza ngaphezulu kakhulu kunendlela yokuphazamiseka kukhenketho lwesiko, utshilo uRathner, 'kodwa bakunika olona tshintsho.'
Nokuba loluphi uhlobo lweinshurensi olukhethayo, kubalulekile ukuba wazi ukuba sithini na isicwangciso sakho-kwaye esingakwenziyo. Enye yezona mpazamo zinkulu zabathengi kukungafundi imigaqo-nkqubo yabo, utshilo uDaniel Durazo, umlawuli wentengiso kunye nonxibelelwano e Amaqabane eAllianz , i-inshurensi yokuhamba kunye nenkampani yoncedo. 'Uninzi lweemveliso lubandakanya i & apos; jonga simahla & apos; ixesha, apho umthengi enokujonga kwakhona umgaqo-nkqubo wakhe ukubona ukuba uyahlangabezana na neemfuno zakhe. Ukuthatha ithuba lelo inokuba yeyona nto ikrelekrele kunayo yonke.
Inguqulelo yeli bali yaqala ukubonakala kwiphepha lika-Matshi 2021 Ukuhamba + Ukuzonwabisa phantsi komxholo Ukuqonda i-Inshurensi yokuHamba kwi-Covid-19 Era.