Insurance cov me nyuam los ntawm kev raug mob thiab kab mob. Yuav tsum muaj ntawv kho mob ntawm cov me nyuam los ntawm xwm txheej

Thaum lub teeb tshwm tus me nyuam, tsev neeg lub neej yog kiag li hloov. Tam sim no cov niam txiv yog lub luag hauj lwm tsis yog li ntawd ntau npaum li cas rau nws tus kheej raws li rau lub neej tshiab hais tias lawv muaj cai rau nkag mus rau lub ntiaj teb no. Nyob rau hauv tus txheej txheem ntawm kev loj hlob ib tug me txiv neej feem ntau ntsib ntau txaus ntshai thiab contingencies. Uas yog vim li cas ntau thiab ntau cov nqe lus nug yog tsa nyob rau hauv ib haiv neeg uas yog tsim nyog kom paub nrauv daim ntawv kho mob ntawm cov me nyuam los ntawm cov xwm txheej. Los ntawm txaus ntshai thiab tseem ceeb heev teeb meem, nws yeej yuav tsis tiv thaiv, tab sis pab cov niam txiv daws nrog lub txim ntawm txoj cai yog ib tug heev muaj peev xwm.

Txawm li cas los, yuav tsum muaj ntawv kho mob, muaj ib tug ntau ntawm cov tsiaj - raws li ib co kws txawj, nws infringes ib co pej xeem txoj cai, vim hais tias txhua leej txhua tus muaj txoj cai los txiav txim, nws yuav tsum pov hwm los yog tsis. Rau cov me nyuam, ntawm chav kawm, kom txog rau thaum lawv yog cov muaj hnub nyoog ntawm feem ntau yog qhov kev txiav txim yuav tsum tau ua los ntawm cov niam txiv.

Leej twg xav tau ib tug kev tuav pov hwm txoj cai

Rau hnub tim, sib tsoo daim ntawv kho mob ntawm lub tsev kawm ntawv thiab preschool uas muaj hnub nyoog cov me nyuam yog yeem.

Sib tsoo - nws yog npaj txhij txog, unpredictable thiab tsis yog nyob ntawm seb kam ntawm lub pov hwm circumstance entailing tas mus li los yog ib ntus kev tsis taus ntawm kev noj qab nyob. Los ntawm cov foregoing, nws yog tseeb hais tias, txawm hais tias qhov pib ntawm cov ntaub ntawv no tsis muaj ib tug xav los tiv thaiv lawv tus kheej los ntawm nws cov teebmeem yuav tsum txhua. Hais tias qhov no yog lub essence ntawm ib tug kev tuav pov hwm txoj cai - yog hais tias koj tus me nyuam, Vajtswv txwv tsis pub, txhua yam uas tshwm sim, lub luag hauj lwm, yam tsawg kawg nyiaj txiag, yuav qhia rau koj daim ntawv kho mob lub tuam txhab.

Insurance rau tus me nyuam muaj peev xwm yuav them raws li ib tug tshwm sim ntawm:

• puas raug mob - raug mob npaj, pob txha lov, sprains thiab dislocations, nrog kev raug mob;
• ib ntus tsi xam pom noj qab haus huv tej teeb meem - lom, Burns thiab lwm yam zoo xws kab mob;
• kev tsis taus ntawm tej degree;
• lub neej no (txoj kev tuag) ntawm ib tug me nyuam.

Cov kev tuav pov hwm daim ntawv cog lus tej zaum yuav xaus nyob rau hauv kev sib raug zoo rau tus me nyuam lub hnub nyoog los ntawm ib xyoos mus rau 17 xyoo.

Subtleties ntawm tus me nyuam daim ntawv kho mob daim ntawv cog lus

Koj muaj peev xwm yuav ib txoj cai tam sim ntawd tom qab yug tus me nyuam, daim ntawv cog lus tej zaum yuav xaus rau ib xyoo thiab rau ob peb xyoo. Feem ntau, nws yuav cov nyiaj them ntawm nyiaj nyob rau hauv lub rooj plaub uas ib tug me nyuam raug kev txom nyem raws li ib tug tshwm sim ntawm ib tug tsi xam pom qhov teeb meem no, thiab nws yuav tsum tau kev kho mob. Insurance tsis them ntau ailments xws li SARS, tsuas yog nyob rau hauv tus neeg mob qhov twg tus kab mob no tau arisen raws li ib tug tshwm sim ntawm cov kev huam yuaj. Piv txwv li, yog tias ib tug me nyuam tau ntawd tshuaj lom thiab yog li ntawd nws qhib lub rwj, lub tuav pov hwm cov tuam txhab yuav tau them rau cov kev kho mob ntawm tus kab mob no.

Tsis tas li ntawd nws muaj ib co nta thiab kev huam yuaj kev tuav pov hwm cov me nyuam nyob rau hauv kev ua si nawv. Ntawm no yog peb yuav tsum tau ceev faj heev, tshwj xeeb tshaj yog cov niam txiv uas nws cov me nyuam yog muab kev koom tes nyob rau hauv kev puas kev ua si - karate, football, boxing, gymnastics thiab thiaj li nyob. Lub fact tias muaj yog ib qho tseem ceeb, yog dab tsi zoo ntawm tej yam kev mob spelled tawm nyob rau hauv daim ntawv cog lus. Ib tug kev xaiv yuav tsum muaj ntawv kho mob rau lub sij hawm ntawm kev koom tes nyob rau hauv cov kev sib tw - xws daim ntawv kho mob yog pheej yig dua, tab sis nws yuav tsis them rau cov nqi ntawm kev kho raug mob mus rau lub txwm txoj kev kawm.

Cai. Yuav ua li cas lawv yog

Tam sim no wb tham txog yuav ua li cas nws yuav ua tau kev tuav pov hwm cov me nyuam los ntawm cov xwm txheej. Tag nrho cov kev cai ntawm lub VHI (yeem kho mob tuav pov hwm) yuav tsum tau muab faib mus rau hauv pab pawg nyob rau hauv lub sij hawm, tus me nyuam lub hnub nyoog, thiab, ntawm chav kawm, daim ntawv teev cov kev tuav pov hwm neeg pab leg ntaubntawv.

Kev tuav pov hwm tsev kawm ntawv yuav muab rau koj ib tug tsawg kawg nkaus ntawm ob pab:

• uas tsis yog-nres txoj cai;
• ib ntus kev tuav pov hwm.

Raws li lub npe implies, nyob rau hauv thawj cov ntaub ntawv, txoj cai yuav them rau cov nqi ntawm kev kho mob ntawm kev raug mob rau ib tug me nyuam thaum twg los tau lub sij hawm ntawm lub hnub. Ib Ntus tib txoj cai tiv thaiv koj tus me nyuam, piv txwv li, nyob rau hauv xws li mob:

• nyob rau hauv rau yav tsaus ntuj, thaum taug kev;
• thaum lub sij hawm mus ntsib ib tug mus rau ib tug kev qhia - Science News for KIDS, kev kawm lub cev, ua hauj lwm rau txoj kev kawm;
• rau lub sij hawm uas nyob twj ywm nyob rau hauv cov qib kindergarten los yog lub tsev kawm ntawv;
• thaum lub sij hawm mus ntsib ib tug cov kev ua si seem.

Nyob rau hauv tas li ntawd mus yooj yim kev tuav pov hwm txoj cai thiab rau cov nquag cov me nyuam mus kawm cov kev ua si clubs, muaj lwm qhov kev pab cuam uas yuav pab tiv thaiv koj tus me nyuam rau lub xyoo yuav tuaj. Qhov no thiaj li hu ua savings kev tuav pov hwm. Lub essence ntawm qhov kev pab cuam yog raws li nram no:

• cov niam txiv xaus nrog ib tug kev tuav pov hwm tsev kawm ntawv ntawm ntev-lub sij hawm daim ntawv cog lus, piv txwv li, rau txoj kev uas muaj hnub nyoog ntawm tus me nyuam;
• txhua hli rau cov niam txiv ntawm tag nrho cov sij hawm pauv mus rau lub account ntawm lub kev tuav pov hwm cov tuam txhab muaj ib tug me me npaum li cas ntawm daim ntawv cog lus;
• thaum lub sij hawm ntawm lub pov hwm kev tshwm sim lub tuam txhab npog tus nqi ntawm kev kho mob ntawm tus me nyuam thiab ua rau tag nrho cov nyiaj them;
• yog hais tias rau lub tag nrho lub sij hawm ntawm daim ntawv cog lus nrog tsis muaj dab tsi tau tshwm sim rau lub insured tus me nyuam, t. e. txoj cai yog tsis pab, rau lub tuam txhab them tag nrho cov nqi pab los ntawm cov niam txiv.

Nws yog no hom ntawm kev tuav pov hwm yog nkag mus rau hauv hnub no lub feem ntau nrov, raws li nws tsis tsuas tiv thaiv tus me nyuam, tab sis kuj tso cai rau koj mus seamlessly txuag heev ib tug txiav txim zaum, piv txwv li, nyob rau nws txoj kev kawm.

kev tuav pov hwm schoolchildren

Tshwj xeeb tshaj yog ib qho tseem ceeb tuav pov hwm cov me nyuam los ntawm kev raug mob thiab muaj mob thaum lub sij hawm lawv mus ntsib mus rau cov tsev kawm ntawv. Thaum nyob rau hauv lub tsev kawm ntawv rau tus me nyuam raws li cov xib fwb, lawv tsuas tsis tau lub cev muaj peev xwm kom khiav ntawm ntau yam thiaj li me nyuam ib zaug. Koj puas tau pom ib tug me nyuam kawm ntawv muaj cuab kav mus zaum nyob rau hauv ib qhov chaw thaum koj hu nrog ib tug zaj lus qhia los yog ib tug me nyuam uas tau yeej tsis khiav los yog rub lub pigtails los yog pob nws tus kheej zoo? Tej zaum, cov no yog cov, tiam sis nws yog es ib tug kos.

Uas yog vim li cas muaj ntau yam kev tuav pov hwm cov koom haum muaj kev tshwj xeeb cov cai los xyuas kom meej ntxiv tiv thaiv rau koj tus me nyuam yog thaum lub sij hawm kawm ntawv. Lub caij ntawm xws kev cai no feem ntau yog kev kawm ntawv xyoo - 9 lub hlis. Lawv tau lees tias cov nyiaj them poob nyob rau hauv cov kev tshwm sim hais tias ib tug me nyuam raug mob nyob rau hauv lub phab ntsa ntawm lub tsev, tab sis nyob rau hauv txoj kev mus thiab los ntawm tsev kawm ntawv koj tus me nyuam yog raug.

nqi ntawm cov kev cai

Insurance cov me nyuam los ntawm kev raug mob tej zaum yuav muaj xws li ntau yam pheej hmoo ua cov ntsiab lus. Nws yog los ntawm lawv tus xov tooj yuav nyob ntawm seb tus nqi ntawm txoj cai. Cov ntau yam khoom uas koj xav tau kom muaj xws li nyob rau hauv daim ntawv cog lus, qhov ntau kim yuav tau them.

Tus nqi ntawm cov kev tuav pov hwm txoj cai yuav pib thaum 100-150 rubles ib lub hlis, lub siab tshaj plaws bar tej zaum yuav 20-30 txhiab rubles ib xyoos los yog ntau tshaj. Yuav ua li cas mus xaiv thiab ntau npaum li cas rau them - koj txiav txim siab rau koj tus kheej.

Yuav ua li cas mus txo tus nqi nqi ntawm txoj cai

Raws li koj paub, kev tuav pov hwm cov me nyuam thiab schoolchildren kev huam yuaj yuav ua tau ib tug ncaj pheej yig thiab kim heev. Yog hais tias koj tsis tu ncua nyob rau hauv cov chaw, zoo heev. Thiab yog dab tsi txog cov neeg uas xav kom raug txim koj tus me nyuam, tiam sis tsis zoo heev tawm nyiaj txiag? Muaj ob peb txoj kev los txo tus nqi nqi ntawm txoj cai. Ntawm no yog ib co ntawm lawv:

1. Sim mus npaj ib tug collective kev tuav pov hwm, piv txwv li, kev sib tham ntawm cov niam txiv thiab raug txim tag nrho cov chav kawm ntawv ntawm ib zaug. Nyob rau hauv cov ntaub ntawv no, koj yuav suav tau rau ib tug tseem ceeb luv nqi.
2. Ua tib zoo nyeem daim ntawv cog lus thiab cais los ntawm nws cov khoom uas hais tias tsis haum koj. Piv txwv li, muaj ntau yam tuam txhab uas muag ua nyob rau hauv daim ntawv cog lus yuav tsum txhaj tshuaj tiv thaiv los yog txhua lub hlis pass tus nqi kev txhim kho zaws.
3. Cais los ntawm kev tuav pov hwm tus neeg mob kev pab kho hniav - nws yog kim heev, nws yog yooj yim nyob rau hauv cov ntaub ntawv ntawm muaj kam nrog lawv tus kheej kev kho mob.
4. Them mloog mus rau cov franchise - qhov no yog xws li ib tug tsawg heev nqi uas cov nqi yog tsis nyiaj rov qab. Piv txwv li, yog hais tias tus uas yus them yus yog 500 rubles, thiab raug mob kev kho mob nqi yog pheej yig dua, ces tus tuav pov hwm cov tuam txhab koj yuav tsum tau muaj ib yam dab tsi. Yog hais tias kev kho mob yog tsim nyog, rau Piv txwv li, 800 rubles, txoj cai yuav npog xwb qhov txawv - 300. Yog hais tias lub franchise yog tsis tam sim no - kev tuav pov hwm yog kim kim.

Yuav ua li cas npaum li cas koj yuav tau txais

Child lub neej kev tuav pov hwm tiv thaiv xwm txheej yuav ib nrab los yog tag nrho cov nyiaj them poob haujlwm, nws tag nrho cov nyob rau hauv lub heev ntawm kev raug mob. Maximum nyiaj yog feem ntau yog muab nyob rau hauv cov ntaub ntawv ntawm lo lus uas peb tsis taus los yog txoj kev tuag tshwm sim. Ntawm cov hoob kawm, tus qis tus nqi cai, lub qis yuav tus nqi ntawm cov kev tuav pov hwm them nqi. Nws yuav xam kwv yees li ces - txoj cai tus nqi ntawm txog 0.5 rau 1.5% ntawm kev them nyiaj, kev cia siab rau qhov tshwm sim ntawm ib tug insured kev tshwm sim. Txawm li cas los, muaj ib tug unspoken txoj cai - tus kwv yees nyiaj yuav ua tsis tau ntau tshaj 2 lab rubles.

Yuav ua li cas koj yuav tsum tau ua kom tau nyiaj them rau cov kev tuav pov hwm

Nyiaj Raug Mob Tom nyob rau hauv ib daim ntawv cog nrog kev tuav pov hwm cov tuam txhab tsis yog nyob ntawm seb yuav ua li cas muaj ntau yam xws agreements tau xaus tau lus nrog lwm tsev. Qhov no txhais tau tias koj yuav tau kev tuav pov hwm nyob rau hauv ob los sis peb sib txawv tuam txhab uas muag, thiab tom qab qhov kev huam yuaj kom tau cov nyiaj them nyob rau hauv txhua ntawm lawv.

Insurance cov me nyuam los ntawm kev raug mob feem ntau yog hais tias los ntawm lub hnub ntawm qhov kev huam yuaj uas koj yuam ua hauj lwm tsis pub dhau peb hnub, qhia rau lub tuam txhab nyob rau hauv txhua txoj kev uas koj ua tau.

Nyob rau hauv thiaj li yuav tau them nyiaj, koj yuav tau muab nyob rau hauv lub UK:

• daim ntawv cog lus;
• kev tuav pov hwm;
• ib daim ntawv lees tias qhov tshwm sim ntawm cov insured kev tshwm sim.

Rau xws li cov ntaub ntawv tej zaum yuav muaj xws li:

• Ib tug daim ntawv pov thawj los ntawm ib tug poob plig center;
• kho mob daim ntawv qhia los ntawm ib tug kws kho mob los yog tus neeg mob daim ntawv;
• qhia txog ib tug kws muaj txuj kho mob board nyob rau hauv lub sij hawm ntawm ib tug neeg xiam oob qhab ntawm tej qeb;
• daim ntawv pov thawj ntawm kev tuag ntawm lub pov hwm (thawj + tsab).

Tsis tas li ntawd, cov kev tuav pov hwm cov tuam txhab yuav tau thov kom ntxiv cov ntaub ntawv lees tias qhov tshwm sim ntawm cov insured kev tshwm sim.

Yuav ua li cas yuav ua rau ib daim ntawv cog

Insurance cov me nyuam los ntawm kev raug mob, raws li tau zoo raws li lwm hom ntawm kev tuav pov hwm - nws yog heev yooj yim. Koj yuav tsum tau mus ua ib tug series ntawm tej yam yooj yim cov kauj ruam:

• xaiv ib tug kev tuav pov hwm cov tuam txhab;
• ua tib zoo xyuas tag nrho cov kev xaiv thiab cov nqe lus ntawm cov kev pab (xub pib kev sib tham, thov hu los yog mus saib lub tuam txhab website);
• xaiv rau qhov uas haum kev tuav pov hwm kev pab cuam;
• npaj cov ntaub ntawv tsim nyog rau lub xaus ntawm daim ntawv cog lus (feem ntau tsuas xav tau koj phau passport thiab yug daim ntawv pov thawj);
• kos npe rau ib daim ntawv cog lus thiab them nws.

Raws li koj tau pom, txhua yam yog heev yooj yooj yim thiab nyob rau hauv kev xyaum tsis tshua yuav siv sij hawm ntau tshaj ib nrab ib teev.

Xaiv pab kas phais

Yog hais tias koj tsis txiav txim siab mus sau npe rau tus me nyuam txoj kev huam yuaj kho mob, cov neeg tiag tiag uas tau siv cov kev pab cuam ntawm ib tug IC, yuav pab tau koj ua tus xaiv txoj. Yuav ua li cas mus nrhiav:

1. Xaiv ib lub koom haum nrog ib tug pov thawj khiav cov ntaub ntawv, nyeem cov kev xyuas txog nws lwm cov neeg. Tshwj xeeb tshaj yog mloog mus rau lub tsis zoo - uas tag nrho cov "pitfalls" no feem ntau yog piav nyob rau hauv lawv.
2. Xav dua ua ntej concluding daim ntawv cog lus thiab sim impartially ntsuam xyuas koj tus kheej zoo ntawm tus me nyuam. Yog hais tias koj tus me nyuam - active cwm pwm, peev xwm yuav nyob rau hauv plaub lub chaw ib zaug, xaiv qhov kev pab cuam, uas npog tag nrho tau txaus ntshai. Yog hais tias koj muaj hmoo txaus kom muaj ib tug me nyuam nrog ib tug nruab nrab los yog ib tug tsawg kawg nkaus theem ntawm kev ua si, qhov kev pab cuam nrog ib tug yooj yim txheej tsis yog heev haum.

Ib txhia niam txiv thoughtlessly ntseeg tau hais tias tus me nyuam daim ntawv kho mob - yog ib tug pov tseg ntawm cov nyiaj. Ntawm cov hoob kawm, peb txhua tus vam tias tsis nws, tsis txawm nrog nws tus me nyuam muaj tsis muaj dab tsi phem yuav tshwm sim. Txawm li cas los, zoo dua tseem tau mus tiv thaiv cov me nyuam los ntawm cov xwm txheej.