Kev pov hwm rau cov neeg ncig tebchaws txawv tebchaws: kev tshuaj xyuas, kev ntsuam xyuas ntawm tuam txhab

2024 Tus sau: Howard Calhoun | [email protected]. Kawg hloov kho: 2023-12-17 10:28

Cov neeg uas feem ntau mus ncig sab nraud paub tseeb tias kev tshem tawm txoj cai pov hwm tsis yog qhov xav tau, tab sis yog qhov tsim nyog hnyav. Tom qab tag nrho, tus neeg taug kev tawg tawm ntawm nws ib puag ncig ib puag ncig, thiab txoj cai yuav pab kom nws muaj kev nyab xeeb nyob rau txawv teb chaws. Kev pov hwm kev mus ncig suav nrog dab tsi? Kev tshuaj xyuas ntawm cov neeg uas twb tau txais kev pov hwm zoo li no, tau kawg, yuav pab koj xaiv txoj cai. Tab sis nws yuav muaj txiaj ntsig kom paub ntau ntxiv txog cov yam ntxwv ntawm hom kev pov hwm no yuav tsum tau muab rau thiab ntau npaum li cas "kev txaus siab" yuav raug nqi.

Txoj kev pov hwm " txawv teb chaws"

Thaum koj mus ncig, nco ntsoov: koj yuav tsis raug tso cai rau hauv ib lub tebchaws hauv ntiaj teb yog tias koj tsis muaj txoj cai pov hwm. Nws yog cov ntaub ntawv no uas lav tias yog tias muaj qee yam tshwm sim rau koj hauv thaj av txawv teb chaws, cov kev pabcuam thauj mus los thiab kev pabcuam khomob raws sijhawm yuav muab rau koj tam sim ntawd thiab tag nrho. Yog li lees tias kev pov hwm kev mus txawv tebchaws yog qhov yuav tsum tau ua, thiab txawm tias koj paub tseeb tias tsis muaj dab tsi tuaj yeem tshwm sim rau koj, koj tseem yuav tsum tau tawm txoj cai.

Muaj ntau hom kev pov hwm, thiab lawv cov nqi nyob ntawm ntau yam. Yog li ntawd, ua ntej them koj cov nyiaj khwv tau los nyuaj rau ib lub tuam txhab, koj yuav tsum ua tib zoo kawm cov kev xav tau.

Kev pov hwm kev pheej hmoo

Txhua txoj cai uas muab los ntawm tuam txhab pov hwm pov hwm tuaj yeem muab faib ua ob pawg loj - cov qauv kev xaiv thiab cov neeg tseem ceeb hauv chav kawm. Tag nrho qhov sib txawv yog nyob rau hauv qhov ua tiav ntawm cov txheej txheem kev pheej hmoo them.

Nyob rau hauv pob txheem koj yuav muab:

• nyiaj rov qab rau kev kho mob ceev thaum muaj xwm txheej pov hwm;
• tsheb thauj mus los dawb mus rau lub tsev kho mob nyob ze, thiab, yog tias tsim nyog, xa tus neeg mob mus rau lub tebchaws nyob ruaj khov, nrog cov kws kho mob;
• muab kev pabcuam khomob rau ntawm qhov chaw (hauv lub tebchaws), kev kho mob sab nraud, mus pw hauv tsev kho mob yog tias tsim nyog;
• them rov qab cov nqi ntawm cov tshuaj uas tus kws kho mob tau sau tseg;
• kev pabcuam kho hniav xwm txheej ceev;
• rov qab los ntawm cov ntawv pov hwm thaum nws tuag.

Ntxiv rau tag nrho cov khoom saum toj no, "cov neeg tseem ceeb" teeb tsa kev pov hwm kev pheej hmoo tuaj yeem suav nrog:

• rov qab los tsev thiab them rov qab cov nqi ntawm daim pib nyob rau hauv cov ntaub ntawv lees paub tias yog ib qho kev pov hwm;
• thaum ntxov ntawm kev mus ncig hauv qhov xwm txheej ntawm tus neeg txheeb ze tuag, them rov qab cov nqi ntawm daim pib ntawm tus nqi ntawm lub tuam txhab pov hwm;
• mus ntsib cov neeg tuav pov hwm los ntawm ib tus txheeb ze (daim pib ntawm tus nqi ntawm kev tuav pov hwm) thaum mus pw hauv tsev kho mob hauv lub teb chaws ntau dua10 hnub;
• xa mus rau qhov chaw nyob ruaj khov ntawm cov menyuam yaus (hnub nyoog qis dua 16 xyoos) ntawm tus neeg tuav pov hwm, nrog rau tus neeg ua haujlwm hauv tuam txhab thaum cov ntawv pov hwm tau pw hauv tsev kho mob ntau dua 10 hnub;
• kev tuav pov hwm xwm txheej ntxiv;
• them nyiaj rau lwm yam kev pheej hmoo cuam tshuam nrog kev mus ncig - poob lub nra, kev pabcuam kws lij choj, tshem tawm hauv tsev so vim li cas thiab lwm yam.

Thov nco ntsoov tias kev pov hwm rau cov poj niam cev xeeb tub mus txawv tebchaws feem ntau tsis suav nrog cov txheej txheem kev pabcuam thiab tau them nyiaj ntxiv. Tsis tas li ntawd, kev pheej hmoo cuam tshuam nrog ntau hom kev ua si kuj tau them ntxiv.

nyiaj pov hwm

Yuav kom kev pov hwm ntawm cov neeg mus ncig txawv teb chaws tau zoo tshaj plaws thiab muaj peev xwm, nws yuav tsum nco ntsoov ib qho tseem ceeb ntxiv, uas yog, qhov nyiaj tau los ntau tshaj plaws rau kev poob.

Daim duab no nyob ntawm seb koj yuav mus qhov twg. Rau cov tebchaws Schengen, cov nyiaj no yuav tsum nyob rau theem ntawm 30 txhiab euros. Rau Moldova, Ukraine thiab Belarus, qhov chaw kho mob paub tias pheej yig dua, tus nqi ntawm $ 15,000 yuav txaus. Tab sis yog tias koj mus rau cov teb chaws uas cov tshuaj kim heev, piv txwv li, mus rau Nyiv, Teb Chaws Asmeskas, Australia lossis Canada, ces koj yuav tsum rho nyiaj pov hwm tsawg kawg yog 50-70 txhiab daus las.

Raws li tus nqi ntawm cov tshuaj hauv lub tebchaws, cov neeg tuav pov hwm feem ntau pab pawg lawv cov kev pabcuam zoo li no:

• teb chawsSchengen;
• lwm lub tebchaws nyob sab Europe;
• CIS xeev;
• Egypt;
• qaib ntxhw;
• thoob ntiaj teb (tsis suav nrog CIS, Australia, Nyiv, Canada thiab Tebchaws Meskas);
• lub ntiaj teb no.

hnub nyoog

Lwm yam uas qhov kev tuav pov hwm ntawm cov neeg mus ncig txawv teb chaws raug faib yog hnub nyoog ntawm cov ntawv pov hwm. Nyob ntawm qhov ntsuas no, cov tuam txhab faib lawv cov neeg siv khoom raws li hauv qab no:

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

Nws yog ib qho tseem ceeb tias txij thawj mus rau qhov thib plaub, tus nqi ntawm kev tuav pov hwm txo qis, thiab pib txij li thib tsib, nws nce ntau. Cov neeg taug kev hnub nyoog 16 txog 64 xyoos yuav them tus nqi qis kawg rau cov kev pabcuam ntawm lub tuam txhab pov hwm, tab sis cov neeg muaj hnub nyoog tshaj 75 xyoos yuav tsum tau tawm.

Kev pab yog dab tsi

Ib qho tseem ceeb hauv qhov teeb meem xws li kev tuav pov hwm rau cov neeg mus ncig txawv teb chaws yog qhov muaj lub tuam txhab pabcuam hauv lub tebchaws. Qhov no txhais li cas?

Kev pab yog tus khub ntawm lub tuam txhab pov hwm hauv zos uas yuav saib xyuas koj hauv lub tebchaws. Yog tias muaj qee yam tshwm sim rau koj thaum so, tom qab ntawd ua kom muaj kev kho mob, xa mus rau tsev kho mob, them nyiaj rau cov tshuaj, thiab lwm yam - cov no yog tag nrho lawv cov kev txhawj xeeb. Yog li thaum xaiv ib lub tuam txhab pov hwm, xyuam xim tsis tsuas yog seb lawv puas muaj tus khub txawv teb chaws, tab sis kuj tseem muaj peev xwm muab tus khub no nrog kev txhawb nqa lus Lavxias.

Yog koj pabtsis muaj kev pov hwm, ces koj yuav tau daws tag nrho cov teeb meem nyob rau hauv txawv teb chaws ntawm koj tus kheej. Zoo, yog tias koj muaj kev paub txaus ntawm cov lus rau qhov no thiab cov nyiaj tau los ntawm cov nyiaj pub dawb. Thiab yog tsis yog? Koj yuav tuaj yeem tau txais cov nyiaj rov qab ntawm koj cov nuj nqis tsuas yog thaum tuaj txog hauv tsev, thiab txawm tias tom qab ntawd - yog tias koj tuaj yeem muab cov ntaub ntawv los ntawm cov tsev kho mob txawv teb chaws nrog rau tag nrho cov ntsaws ruaj ruaj thiab kos npe.

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

Raws li peb tau pom lawm, tus nqi ntawm txoj cai yuav nyob ntawm ntau qhov ntsuas - qhov sib kis ntawm tus lej yog qhov dav heev. Nws tag nrho nyob ntawm seb hom kev txaus ntshai uas koj xav tiv thaiv koj tus kheej los ntawm, koj hnub nyoog npaum li cas thiab koj yuav mus qhov twg. Tsis tas li ntawd, tus nqi ntawm kev tuav pov hwm yog cuam tshuam los ntawm qhov muaj thiab "txias" ntawm lub tuam txhab kev pabcuam thiab lub sijhawm ntawm kev mus ncig.

Ntxiv rau, tus nqi ntawm txoj cai tseem cuam tshuam los ntawm lub hom phiaj ntawm kev mus txawv tebchaws: yog tias koj npaj siab yuav pw ntsiag to ntawm lub puam, qhov no yog ib qho, thiab yog tias koj npaj yuav skydive lossis snowboard, nws yog txawv kiag li. Lwm lub ntsiab lus ntawm tus nqi ntawm txoj cai yog nyob ntawm qhov muaj qhov txiav tawm, uas yog, xws li tus nqi (tsawg kawg) uas lub tuam txhab pov hwm yuav tsis them. Piv txwv li, yog tias koj tau txiav tawm ntawm $ 500 hauv koj daim ntawv cog lus, thiab kev kho mob raug nqi $ 499, ces tsis muaj leej twg yuav rov qab tau dab tsi rau koj.

Muab rau hauv tus account tag nrho cov lus qhia saum toj no, tus nqi ntawm txoj cai pov hwm rau cov neeg tuaj ncig tebchaws tuaj yeem txawv ntawm ob peb puas mus rau ntau kaum txhiab rubles.

Kev pov hwm rau kev mus txawv tebchaws - kev ntsuas ntawm cov tuam txhab, nws cuam tshuam dab tsi

Thaum mus txawv tebchaws thiab nrhiav lub tuam txhab uas koj tuaj yeem yuav txoj cai, koj yuav tsum tsom mus rau qhov tseeb tshaj plaws thiab loj tshaj plaws. Hauv cov tuam txhab me, tau kawg, kev tuav pov hwm tuaj yeem raug nqi ib lub nyiaj, tab sis kev pab tiag tiag los ntawm lawv, qhov twg, koj tsis zoo li yuav tos.

Yog li koj tau txiav txim siab tshem tawm kev pov hwm mus ncig. Kev ntsuam xyuas ntawm cov tuam txhab pov hwm ua lag luam hauv cheeb tsam no yuav pab koj. Tom qab tshuaj xyuas cov dej num ntawm lawv feem ntau, koj tuaj yeem ua cov npe zoo li no:

• "INTOUCH insurance".
• Jasco.
• Ingosstrakh.
• "RESO-Garantia".
• IC PPF Kev Pov Hwm Lub Neej;
• Sberbank;
• "VSK".
• Sogaz.
• "VTB".
• Rosgosstrakh.
• Uralsib.

Tau kawg, daim ntawv teev npe no yog qee yam kev kawm, txhua tus neeg tuaj yeem tsim lawv tus kheej, thiab yuav yog. Txhua ntawm lawv muaj ob qho tib si nws qhov tsis zoo thiab qhov zoo. Piv txwv li, Sberbank (zoo li ntau lwm lub tuam txhab) muaj kev pov hwm rau kev mus txawv tebchaws yam tsis tau tawm hauv tsev, siv cov kev pabcuam ntawm lub tuam txhab lub vev xaib.

Yuav ua li cas txheeb xyuas tus neeg tuav pov hwm zoo

Ua ntej tshaj plaws, koj yuav tsum mus ntsib lub chaw ua haujlwm ntawm lub koom haum xaiv thiab xyuas kom lub tuam txhab muaj tag nrho cov ntawv tso cai thiab cov ntawv tso cai rau txoj cai los ua qhov kev tuav pov hwm tshwj xeeb no.

Ua tib zoo kawm cov npe ntawm cov kev pabcuam uas muaj - qhov dav dua, qhov zoo dua. xaivib daim ntawv teev cov kev pheej hmoo uas zoo rau koj, tab sis tsis txhob overdo nws nrog tsis kam. Nws yuav txaj muag yog tias muaj ib yam dab tsi tshwm sim rau koj uas tsis muaj kev pov hwm. Hauv qhov no, koj yuav tsum tsis txhob xav tias yuav them rov qab cov nuj nqis.

Kawm daim ntawv cog lus kom zoo, tshwj xeeb tshaj yog cov chaw hauv nws uas sau me me. Xav nug tus thawj coj ntau cov lus nug - koj yuav tsum nkag siab meej tias koj tuaj yeem xav li cas yog tias muaj qee yam tshwm sim rau koj.

Xaiv tsuas yog cov tuam txhab tuav pov hwm loj, tshwj xeeb tshaj yog tias koj tab tom npaj mus ncig ntev. Yog tias lub tuam txhab paub me ntsis ib hnub poob thiab ploj mus thaum koj mus ncig, koj yuav muaj teeb meem loj.

Xav rov qab xav txog qhov tsim nyog ntawm kev tshaj tawm txoj cai yog tias lub tuam txhab tsis muaj tus khub hauv lub tebchaws uas xav nyob. Nco ntsoov: txoj cai pov hwm zoo yuav ua rau koj nyob nyab xeeb hauv tsev.