Mus ncig teb chaws daim ntawv kho mob mus txawv teb chaws: xyuas, kev ntsuam xyuas tuam txhab uas muag

Cov neeg uas feem ntau txawv teb chaws, cia li paub tias tus tsim ntawm ib tug kev tuav pov hwm txoj cai - nws tsis yog ib tug fad, tab sis ib tug hnyav yuav tsum muaj. Tom qab tag nrho, lub traveler los ntawm lawv cov paub ib puag ncig, thiab txoj cai yuav pab tau nws mus rau muaj kev nyab xeeb nyob rau hauv ib tug txawv teb chaws lub teb chaws. Uas muaj xws li kev tuav pov hwm rau koj mus txawv tebchaws txawv teb chaws? Xyuas yuav tsum ua tawm xws li kev tuav pov hwm, ntawm chav kawm, pab ua kom txoj cai xaiv. Tab sis nws yog pab tau rau kawm tau dab tsi cov yam ntxwv ntawm no hom ntawm kev tuav pov hwm yuav tsum tau muab thiab ntau npaum li cas nws yuav raug nqi li "Library".

Nta ntawm "txawv teb chaws" kev tuav pov hwm

Mus rau ib qho chaw twg, nco ntsoov tias nyob rau hauv txhua lub teb chaws nyob rau hauv lub ntiaj teb no yuav tsis cia koj, Yog hais tias koj tsis muaj ib tug kev tuav pov hwm txoj cai. Nws yog daim ntawv no yog ib tug guarantee hais tias yog koj ib yam dab tsi tshwm sim nyob rau hauv ib tug txawv teb chaws lub teb chaws, cov thauj cov kev pab cuam thiab raws sij hawm kev kho mob yuav tsum muab kom sai thiab nyob rau hauv tag nrho. Yog li ntawd txais qhov tseeb hais tias daim ntawv kho mob mus txawv tebchaws txawv teb chaws - qhov no yog ib tug hnyav yuav tsum, thiab txawm hais tias koj yeej paub tseeb tias koj tsis tau ua dab tsi kom tshwm sim, rau qhov teeb meem txoj cai tseem muaj.

Muaj ntau ntau yam kev tuav pov hwm, thiab qhov nqi yog nyob ntawm ntau yam tseem ceeb. Yog li ntawd, ua ntej yuav them lawv "cov ntshav" ntawm ib lub tuam txhab, nws yog tsim nyog los kawm ua tib zoo lub tswv yim tej yam kev mob.

kev tuav pov hwm txaus ntshai

Tag nrho cov cai uas muab los ntawm kev tuav pov hwm tuam txhab uas muag, yuav tau muab faib ua ob pawg loj - tus txheej txheem version thiab cov neeg tseem ceeb hauv chav kawm ntawv. Qhov txawv yog nyob rau hauv lub tiav ntawm lub teeb ntawm kev them txaus ntshai.

Tus txheem pob muaj:

• them nyiaj rov qab rau ceev kev kho mob nyob rau hauv cov kev tshwm sim ntawm ib tug insured kev tshwm sim;
• free kev thauj mus los rau ib tug nyob ze tsev kho mob, thiab, yog tias tsim nyog, - tus me nyuam ntawm tus neeg mob mus rau lub teb chaws ntawm qhov chaw nyob, nrog los ntawm cov kws kho mob;
• kev kho mob cov kev pab cuam nyob rau hauv qhov chaw (nyob rau hauv lub teb chaws), pw kho mob, pw tsev kho mob nyob qhov twg tsim nyog;
• nyiaj rov qab ntawm tus nqi ntawm cov tshuaj kho los ntawm ib tus kws kho mob;
• thaum muaj xwm ceev kho hniav;
• repatriation ntawm lub pov hwm nyob rau hauv cov kev tshwm sim ntawm nws txoj kev tuag.

Nyob rau hauv tas li ntawd rau tag nrho cov saum toj no, nyob rau hauv lub "cov neeg tseem ceeb" set ntawm kev tuav pov hwm txaus ntshai tej zaum yuav muaj xws li:

• rov qab mus tsev, thiab refund tus nqi ntawm daim pib nyob rau hauv tus neeg mob paub los ntawm kev tuav pov hwm kev tshwm sim;
• thaum ntxov txiav ntawm lub dawm nyob rau hauv cov kev tshwm sim ntawm txoj kev tuag ntawm ib tug txheeb ze ze, cov nyiaj ua se ntawm daim pib rau lub tuav pov hwm lub tuam txhab;
• mus saib ib tug ntawm cov txheeb ze ntawm tus pov hwm (daim pib nyob rau cov nuj nqis ntawm lub tuav pov hwm) nyob rau hauv cov kev tshwm sim ntawm tsev kho mob nyob rau hauv lub teb chaws rau ntau tshaj 10 hnub;
• me nyuam mus rau qhov chaw ntawm qhov chaw nyob ntawm cov me nyuam (nyob rau hauv 16 xyoo) ntawm tus neeg, nrog los ntawm ib tug neeg ua hauj lwm ntawm lub tuam txhab nyob rau hauv tus neeg mob qhov twg lub pov hwm yog pw tsev kho mob yog xav paub ntau tshaj 10 hnub;
• ntxiv kev huam yuaj kev tuav pov hwm;
• nyiaj rov qab ntawm lwm yam txuam nrog mus ncig teb chaws - poob nra, ib tug kws lij choj, lub laij koj tawm los ntawm lub tsev so rau ib co yog vim li cas los yog lwm yam.

Thov nco ntsoov tias cev xeeb tub daim ntawv kho mob, mus txawv tebchaws txawv teb chaws yog feem ntau kuj tsis muaj nyob rau hauv lub txheej txheem ntawm cov kev pab cuam thiab ntxiv cov nqi. Tsis tas li ntawd them ntxiv txaus ntshai txuam nrog huab hom ntawm so.

Tus nqi ntawm cov kev tuav pov hwm pab them nqi

Insurance rau txawv teb chaws yog lub feem ntau high-zoo thiab competent, yuav tsum tau paub txog yam tseem ceeb heev kom meej, namely - txog lub siab tshaj plaws tau nyiaj ntawm kev puas tsuaj.

Qhov no xam nyob rau raws nraim qhov koj yuav mus. Rau lub teb chaws Schengen , qhov nyiaj no yuav tsum nyob rau theem ntawm 30 txhiab. Euro. Moldova, Ukraine thiab Belarus, nyob qhov twg, raws li peb paub, kev pab kho mob yog cheaper npaum li, tej zaum yuav txaus thiab tus nqi ntawm 15 txhiab. Las. Tab sis yog hais tias koj yuav mus rau lub teb chaws nyob qhov twg cov tshuaj yog heev kim, piv txwv li nyob rau hauv Nyiv, lub teb chaws USA, Australia los yog Canada, nws yog tsim nyog los kos li cov kev tuav pov hwm ntawm tsis tsawg tshaj li 50-70 txhiab dollars.

Nyob rau lub hauv paus ntawm tus nqi ntawm cov tshuaj nyob rau hauv lub teb chaws, insurance no feem ntau yog grouped nws proposals raws li nram no:

• Schengen lub teb chaws;
• lwm yam European lub teb chaws;
• CIS lub teb chaws;
• Tim lyiv teb chaws;
• Qaib ntxhw;
• lub ntiaj teb no (tsis suav cov CIS, Australia, Japan, Canada thiab lub US);
• lub ntiaj teb no.

muaj hnub nyoog

Lwm kauj uas faib kev tuav pov hwm mus txawv tebchaws txawv teb chaws - qhov no yog lub hnub nyoog ntawm lub pov hwm. Nyob rau hauv no parameter tuam txhab uas muag qhia lawv cov neeg muas zaub raws li nram no:

• mus txog ib lub xyoo;
• 1-3 xyoos;
• 4-15 xyoo;
• 16-64 xyoo;
• 65-75 xyoo;
• ntau tshaj 75 xyoo.

Nws yog noteworthy uas los ntawm cov thawj mus rau lub plaub nqe lus ntawm tus nqi ntawm kev tuav pov hwm yog txo, thiab txij li thaum lub thib tsib tshuam ntau zog. Qhov tsawg kawg nkaus tus nqi ntawm lub kev tuav pov hwm cov tuam txhab yuav tau them cov kev pab neeg mus ncig ntawm lub hnub nyoog ntawm 16 mus rau 64 xyoo, tab sis cov neeg tshaj 75 yuav tau diav rawg tawm.

Yuav ua li cas yog Assistance

Ib tug heev ib qho tseem ceeb taw tes rau hauv no qhov teeb meem, raws li kev tuav pov hwm mus txawv tebchaws txawv teb chaws, yog muaj ntawm ib qho kev pab lub tuam txhab nyob rau hauv lub teb chaws uas koj nyob. Ua li cas nws txhais li cas?

Assistance - yog ib tug khub ntawm lub zos kho uas yuav saib xyuas ntawm tag nrho cov ntawm koj nyob rau hauv lub teb chaws uas koj nyob. Yog hais tias nyob rau hauv cov nyiaj so koobtsheej nrog koj ib yam dab tsi tshwm sim, kom ntseeg tau kev kho mob, lub tsev kho mob me nyuam, them nqi ntawm cov tshuaj thiab thiaj li on - uas yog tag nrho lawv tu. Yog li ntawd thaum xaiv ib tug kev tuav pov hwm ntawv tsis tsuas yog ntawm lub fact seb lawv puas muaj txawv teb chaws cov neeg koom tes, tab sis kuj mus rau lub tseem no heev Lavxias teb sab-hais lus khub them nyiaj yug.

Yog hais tias cov kev pab kev pab cuam nyob rau hauv koj daim ntawv kho mob tsis tau, ces tag nrho cov teeb meem nyob rau hauv ib tug txawv teb chaws lub teb chaws koj yuav tsum txiav txim siab. Zoo, yog tias koj muaj txaus paub txog cov lus thiab ib tug khoom nyiaj ntawm muaj nyiaj. Thiab yog hais tias tsis? Nyiaj rov qab ntawm koj cov nuj nqis, koj yuav tsuas tau txais nyob rau hauv sij hawm tuaj txog ntawm lub tsev, thiab ces - yog hais tias koj yuav muab tau cov ntaub ntawv ntawm txawv teb chaws kev kho mob chaw nrog tag nrho cov nyiaj muas thiab kos npe.

Tus nqi ntawm kev tuav pov hwm - dab tsi cas nws nyob ntawm seb?

Raws li peb tau pom, txoj cai nqi tej zaum yuav yog nyob ntawm seb muaj ntau yam tseem ceeb - kis ntawm tus xov tooj yog heev broad. Nws tag nrho cov nyob rau, nyob rau dab tsi yog qhov uas yuav muaj koj xav kom txuag koj tus kheej, yuav ua li cas laus koj thiab qhov chaw uas koj yuav mus. Tsis tas li ntawd, tus nqi ntawm kev tuav pov hwm cuam tshuam los ntawm lub xub ntiag thiab lub "coolness" ntawm lub tuam txhab-kev pab cov kev pab thiab mus ncig teb chaws hnub.

Nyob rau hauv tas li ntawd, tus nqi ntawm txoj cai yog ib tug heev muaj feem xyuam rau lub hom phiaj ntawm mus ncig teb chaws: Yog hais tias koj npaj siab yuav mus pw ntsiag to ntawm lub puam - qhov no yog ib tug, tab sis yog hais tias koj npaj mus skydive los yog snowboarding - yog heev txawv. Lwm qhov teeb meem uas muaj feem xyuam rau tus nqi ntawm txoj cai - lub xub ntiag ntawm lub franchise, piv txwv li, hais tias npaum li cas (yam tsawg kawg nkaus) uas pov hwm lub tuam txhab yuav tsis them. Piv txwv li, yog tias koj tau sau tawm nyob rau hauv daim ntawv cog lus uas yus them yus ntawm $ 500, thiab kev kho mob ntawm ib tug nqi ntawm 499, tsis muaj ib qho koj tsis tau rov qab.

Nrog rau tag nrho ntawm cov indicators tus nqi ntawm cov kev tuav pov hwm txoj cai rau cov neeg ncig tej zaum yuav txawv ntawm ib tug ob peb puas rau ib tug ob peb kaum ntawm txhiab ntawm rubles.

Mus ncig teb chaws daim ntawv kho mob mus txawv teb chaws - kev ntsuam xyuas tuam txhab uas muag, uas nws muaj feem xyuam rau

Mus txawv teb chaws thiab searching rau ib lub tuam txhab nyob rau hauv uas koj yuav nqus ib txoj cai, nws yog tsim nyog mus lawm cov xim tsuas mus rau feem ntau thoj thiab coob. Nyob rau hauv me me npe, ntawm chav kawm, kev tuav pov hwm yuav raug nqi cia pennies, tab sis ib tug tiag tiag kev pab los ntawm lawv, nyob rau hauv uas cov ntaub ntawv, koj yuav tsis yog tos.

Yog li ntawd, koj txiav txim siab yuav tawm kev tuav pov hwm mus txawv tebchaws txawv teb chaws. Rating ntawm kev tuav pov hwm tuam txhab uas muag ua nyob rau hauv daim teb no yuav pab tau koj. Tom qab Ntsuam xyuas cov kev ua ub no ntawm feem ntau ntawm lawv, koj yuav ua tau txog cov nram no daim ntawv teev:

• "InTouch kev tuav pov hwm".
• "Zhasko".
• "Ingosstrakh".
• "RESO-Guarantee".
• IC "PPF Life Insurance";
• Sberbank;
• "FAC".
• "SOGAZ".
• "VTB".
• "Rosgosstrakh".
• "Uralsib".

Ntawm cov hoob kawm, qhov no daim ntawv teev yog dog dig subjective, txhua qhua tuaj noj mov yuav ua rau lawv tus kheej, thiab yuav tsum muaj txoj cai. Txhua yam ntawm lawv muaj ob drawbacks thiab zoo. Piv txwv li, kev tuav pov hwm mus txawv tebchaws txawv teb chaws Sberbank (thiab ntau lwm tuam txhab uas muag), npaj siab rau qhov teeb meem tsis tau tawm hauv lub tsev, siv cov kev pab cuam nyob rau hauv nws lub website.

Yuav ua li cas qhia hais tias ib tug zoo tuav pov hwm

Ua ntej ntawm tag nrho cov nws yog tsim nyog los tus kheej mus saib lub chaw ua hauj ntawm tus xaiv lub koom haum thiab kom paub tseeb tias qhov ruaj muaj muaj tag nrho cov ntawv tso cai thiab cov ntawv tso cai los nqa tawm no zoo pov hwm.

Ua tib zoo saib xyuas daim ntawv teev cov kev pab cuam - nws yog wider tshaj zoo dua. Xaiv ib daim ntawv teev yam, nws yog qhov zoo tshaj plaws rau koj, tab sis tsis sib zog heev nws nrog lub failures. Nws yuav yog ib tug txaj muag yog hais tias nws tshwm sim rau koj ib yam dab tsi ntawm dab tsi tuav pov hwm tsis them. Cia siab tias nyiaj rov qab nyob rau hauv cov ntaub ntawv no nws tsis yog tsim nyog.

Ib tug zoo zoo nyob rau daim ntawv cog lus, tshwj xeeb tshaj yog cov uas sawv daws yuav tso nyob rau hauv nws, uas yog teev nyob rau hauv me me print. Tsis txhob yig nug tus neeg saib xyuas ib tug ntau ntawm cov lus nug - koj yuav tsum to taub meej li cas koj yeej yuav tau txais yog tias koj ib yam dab tsi tshwm sim.

Xaiv tsuas loj-kuaj kho mob, tshwj xeeb tshaj yog yog hais tias koj npaj ib tug ntev mus txawv tebchaws. Yog hais tias ib tug me ntsis-paub ruaj ib hnub thaum lub sij hawm koj mus txawv tebchaws yuav tsum puas tsuaj, thiab ploj, koj yeej yuav tau txais cov teeb meem loj.

Ib zaug ntxiv, xav txog qhov feasibility ntawm kev cuv npe ntawm tsab cai, yog hais tias tus lub tuam txhab tsis muaj ib tug khub nyob rau hauv lub tswv yim lub teb chaws uas koj nyob. Nco ntsoov tias, ib tug zoo tuav pov hwm txoj cai yuav cia koj mus xav tias muaj kev nyab xeeb hauv lub tsev.