Apaulendo amasungitsa maulendo akuluakulu ngakhale kuti amawononga ndalama zambiri

kupita kunja kupita kunja? Komwe mukupita kungafunike inshuwaransi yapaulendo

Chile ikufuna alendo kuti apereke umboni wa inshuwaransi ya Covid-19 ndi zina zofananira. Pa chithunzi, likulu, Santiago.

Oleh_Slobodeniuk | E + | Zithunzi za Getty

Kodi mukukonzekera ulendo wakunja? Mungafunike kugula inshuwaransi yoyendera kuti mukachezere dziko lomwe mukupita.

Mayiko ambiri anali ndi zofunika za inshuwaransi ngakhale mliri usanachitike. Koma kuyambira pamenepo, yawonjezeranso malamulo ena khumi ndi awiri, kuti athe kulipirira ndalama zachipatala za Covid-19 ndi ndalama zina monga malo ogona akakhala kwaokha kunja, malinga ndi a Clayton Comer, wachiwiri kwa purezidenti wa WorldTrips, inshuwaransi.

Comer adati Argentina, Aruba, Bahamas, Bermuda, Bolivia, British Virgin Islands, Cayman Islands, Chile, Costa Rica, Jamaica, Jordan ndi Lebanon ndi ena mwa mayiko omwe ali ndi udindo munthawi ya mliriwu.

Zandalama zambiri zaumwini:
Anthu aku America okonzeka kuyenda ngati mantha a omicron amatha
Apa ndi pamene aku America akufuna kupita kunja
Umu ndi momwe mungatetezere ndege yanu ndege zikamasiya

Belize yalengezanso kufunikira kwatsopano kwa alendo onse kuyambira pa February 15.

“Maboma akuchita izi kuti asatengere ndalama zothandizira alendo omwe alibe inshuwaransi omwe atha kuchita nawo Covid-19,” adatero Kummer.

“[The situation] Zimasinthika kwambiri, makamaka ndi omicron”, kutanthauza zamitundu yopatsirana kwambiri ya Covid-19.

Zilolezo za inshuwaransi

Inshuwaransi yatsopano ku Belize kwa alendo idzayamba pa February 15, 2022. Pachithunzichi ndi bowo la bluehouse ku Lighthouse Reef.

Matteo Colombo | mphindi | Zithunzi za Getty

Pazonse, mayiko 60 amalamula inshuwaransi yoyendera alendo, malinga ndi InsureMyTrip data kuyambira Januware 27.

Zofunikira nthawi zina zimagwira ntchito kwa alendo okhawo omwe amafunikira visa kuti alowe, zomwe zikutanthauza kuti anthu aku America sangakhale omasuka. (Mwachitsanzo, mayiko 26 a m’dera la Schengen ku Ulaya samaika malamulo kwa anthu aku America.)

Malamulo ophatikizika ndi osalala komanso amasiyana kwambiri.

Mwachitsanzo, dziko la Costa Rica limafuna inshuwalansi kwa apaulendo opanda katemera okha. Belize imalola apaulendo kuti agule chithandizo akafika (ngakhale akuluakulu amalimbikitsa kugula koyambirira). Ngakhale onse mwaukadaulo ndi gawo limodzi la European Union, theka la Dutch (Saint Maarten) la chilumba cha Caribbean ku Saint Martin limafunikira inshuwaransi, pomwe gawo loyendetsedwa ndi France (Saint Maarten) silitero.

Izi zimapangitsa kuti kafukufukuyu akhale wofunikira kwambiri musanayende – komanso malamulo ena aliwonse olowera, monga malamulo oyesera ndi katemera. Mayiko ena, monga Japan, sanatsegule malire awo kwa alendo odzaona a ku America.

Mtundu ndi kuchuluka kwa ndalama zomwe zimaperekedwa zimasiyana malinga ndi mayiko.

“Mayiko ambiri amafunikira inshuwaransi yachipatala yomwe imapereka chithandizo chamankhwala ku Covid-19 ngati wapaulendo achita nawo paulendo wawo,” atero Angela Borden, katswiri wazotsatsa malonda ku Seven Corners. “Maiko ena amafuna ndalama zenizeni pamene ena safuna.”

Borden adati madera ena amapempha apaulendo kuti alipirirenso ndalama zachakudya ndi zogona, ngati akuyenera kukhala kwaokha kudziko lomwe akupita chifukwa cha Covid.

Mwachitsanzo, inshuwaransi yovomerezeka yazaumoyo ku Belize imawononga $ 18 ndipo imapereka ndalama zokwana $50,000 pazachipatala zokhudzana ndi chithandizo cha Covid-19 kwa masiku 21. Kuphatikiza apo, imapereka ndalama zokwana $2,000 (ndi $300 patsiku) zokhala kwaokha, zoletsa ndege komanso zolipirira chifukwa chokhala nthawi yayitali.

Ndalama zolipiridwa ndi alendo obwera ku Jamaica zimalipira chisamaliro chaumoyo komanso kusokonezeka kwa ndege. Chithunzi: Montego Bay.

David Neil Madden | Zithunzi za Getty

Omwe amapita ku Jamaica amalipira $40 kuti apeze chithandizo chomwe chimaphatikizapo $50,000 yothandizira zaumoyo pachilumba ndi $5,000 pakusokoneza maulendo.

Chile imafuna umboni wa inshuwaransi yaumoyo yomwe “imapereka chithandizo cha Covid-19 ndi zovuta zina zokhudzana ndi thanzi panthawi yomwe apaulendo akukhala,” malinga ndi dipatimenti ya US State.

Apaulendo ayenera kulipidwa ndi ndalama zosachepera $30,000 ndikuwonetsa zolembedwa pokwera ndege. Likulu la Chile, Santiago, ndi malo achitatu apamwamba kwambiri padziko lonse lapansi kwa anthu aku America, malinga ndi tsamba la maulendo a Huber.

Mukudziwa chiyani za inshuwaransi?

Beirut, Lebanon.

Kujambula ndi Bernardo Ricci Armani | mphindi | Zithunzi za Getty

Inshuwaransi yambiri yoyendera maulendo idapangidwa kuti ikwaniritse zofunikira zamayiko ambiri, ngati si onse, malinga ndi Coomer at WorldTrips. Komabe, ogula akuyenera kuwonetsetsa kuti ndondomekoyi ikugwirizana ndi zomwe akupita asanagule.

(Borden adanena kuti inshuwaransi zisanu ndi ziwiri mwa zisanu ndi ziwiri za maulendo osiyanasiyana a Seven Corners amagulitsa kwa ogula akuphatikizanso zokhudzana ndi Covid, mwachitsanzo.)

Ma inshuwaransi amaperekanso zina zowonjezera, monga “kuletsa pazifukwa zilizonse” – zomwe zimakhala zokwera mtengo koma zimalola ogula kubweza ndalama muzochitika zosiyanasiyana, ngakhale kuti mawu akugwirabe ntchito.

Mapulani azaumoyo ku United States akhoza – koma sangathe – kupereka chithandizo kunja. (Medicare ndi Medicaid, mwachitsanzo, sizilipira ndalama zachipatala kwa apaulendo apadziko lonse lapansi, malinga ndi dipatimenti ya Boma.) Ngati atero, ndondomekoyi ikhoza kusakwaniritsa miyezo ya boma.

Apaulendo athanso kuthandizidwa kudzera pa kirediti kadi. (Komabe, sizingakhale zochulukira monga inshuwaransi yosiyana. Oyenda ayeneranso kugwiritsa ntchito khadilo pogula ulendo wonse kapena gawo limodzi kuti akalembetse.)

Dipatimenti ya Boma ili ndi mndandanda wazinthu za inshuwaransi zomwe zimaperekedwa kwa anthu aku America omwe amapita kunja.

“Apaulendo ayenera kumvetsetsa kufunika kwa inshuwaransi yoyendera maulendo apandege apadziko lonse lapansi,” adatero Borden. “Inshuwaransi kunyumba sangawatsatire kunja, ndipo zipatala zakunja zingafunike kulipiriratu asanapereke chisamaliro.”

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