Mtengo wapakati wa inshuwaransi yapaulendo

Nthawi ina mukadzagula ndege, zingakhale zokopa kuti musagule inshuwalansi yaulendo kuti muchepetse zinthu ndikusunga ndalama. Koma kusunga pang’ono panopa kungawononge ndalama zambiri mtsogolo – ngati katundu wanu atataya, muyenera kusiya ulendo wanu, kapena kulipira ndalama zachipatala paulendo wanu.

Pansipa pali kuwonongeka kwa zomwe mungayembekezere kulipira inshuwaransi yaulendo ndi mitundu ya zinthu zomwe zingapangitse kapena kuchepetsa mtengowu.

Ziwerengero za inshuwaransi yapaulendo

  • Mtengo wapakati wa inshuwaransi yoyenda ndi $95.
  • Mtengo wapakati wa ndondomeko yokwanira ndi 20 peresenti kuposa ndondomeko yoyambira.
  • Apaulendo angayembekezere kugwiritsa ntchito 4-11 peresenti ya mtengo wonse waulendo wawo pa inshuwaransi yaulendo.
  • Mmodzi mwa apaulendo asanu ndi mmodzi omwe amagula inshuwaransi yaulendo wapereka kale chiwongolero panthawi ina.

Kodi inshuwaransi yapaulendo ndi chiyani?

Inshuwaransi yapaulendo ndi mtundu wa inshuwaransi yomwe imateteza ndalama zilizonse zomwe zimagwiritsidwa ntchito paulendo wapanyumba kapena wakunja. Ganizirani za kuwonongeka kwa katundu wanu kapena magalimoto obwereka, kuletsa maulendo, katundu wotayika, ndalama zogulira kunja, ndi imfa mwangozi kapena ngozi za ndege. Mabungwe ambiri oyenda ndi ndege amapereka inshuwaransi yaulendo ngati chowonjezera pakusungitsa kwanu, ngakhale mutha kudzifufuza nokha pa ndege iliyonse yomwe mungadzisungire nokha.

Njira ina yochitira ulendo wanu wotsatira ndikuwona phindu la kirediti kadi. Makhadi ena a kingongole, makamaka makhadi oyendayenda, amapereka inshuwaransi ndi kuchotsera paulendo, ndipo makhadi okwera mtengo nthawi zambiri amapereka ndalama zambiri. Ngati mumayenda pafupipafupi, zingakhale bwino kuti muwerenge zolemba zabwino pa kirediti kadi yanu kuti muwone ngati mungapindule nazo zilizonse zokhudzana ndiulendo.

Kodi inshuwaransi yapaulendo imawononga ndalama zingati?

Ndalama zomwe mudzalipire inshuwalansi yaulendo zidzadalira kwambiri zinthu zingapo zosiyana monga msinkhu wanu (ndalama za inshuwalansi zaulendo zimakula pamene mukukalamba), chiwerengero cha apaulendo omwe muyenera kuonetsetsa komanso kutalika kwa ulendo wanu waufupi. . Komabe, akatswiri amati mutha kuyembekezera kulipira kulikonse kuyambira 4 mpaka 11 peresenti ya mtengo wonse waulendo wanu pa inshuwaransi yanu yoyendera.

Inshuwaransi yapaulendo nthawi zambiri imagwera m’modzi mwa magawo atatu: zoyambira, zapakatikati komanso zonse. Njira yodzitetezera nthawi zambiri imakhala yotsika mtengo ndipo imaphatikizapo zopindulitsa monga kuletsa ulendo ndi katundu wotayika, koma zingafunike kuti mupereke ndalama zochotsera matenda kapena kuvulala kulikonse.

Kuphunzira kwapakati kungaphatikizepo zopindulitsa zomwezo monga mfundo zoyambira, ndi phindu lowonjezera la inshuwaransi yazaumoyo. Ndondomeko yokwera mtengo, yophatikiza zonse ingaphatikizepo ngati ndondomeko zoyambira kapena zapakatikati, koma wokhala ndi malamulowo amakhala ndi malire apamwamba.

Pansipa pali kuwonongeka kwa mtengo wapakati wa inshuwaransi yoyenda, kutengera kuchuluka kwa zomwe ndondomeko yanu ingagwere.

Kuphunzira koyambira 105 ndalama
Kuphunzira kwapakati $130
Kuphunzira kwathunthu $164

Avereji ya mtengo wa inshuwaransi yoyendera potengera zaka

Othandizira inshuwaransi yapaulendo amawunika zoopsa momwe ma inshuwaransi amachitira akafika pamalipiro awo. Wapaulendo wachikulire, m’pamenenso amapeza ndalama zambiri zolipirira chifukwa chakuti apaulendo okalamba amadwala kapena kuvulala paulendowo. Pakuwunika kwa 2021 kwa AdvisorSmith, mitengo yapakati imasiyana kuchokera pa $92 kwa mwana wocheperako kufika $805 kwa wazaka zana.

Pansipa pali kuwonongeka kwa mtengo wapakati wa inshuwaransi yoyendera ndi zaka.

10 $92
20 104 dollar
30 $111
40 $127
50 $126
60 $155
70 $227
80 $362
90 $561

Ngakhale kuti ndalama zokwera mtengo zimakhala zofala pakati pa oyendayenda okalamba, izi sizikutanthauza kuti ndondomeko yoyenera siingafikire. Kugula ndi kufananiza mitengo kuchokera kwa opereka osiyanasiyana ndikofunikira kuti mupeze mlingo woyenera wa kufalitsa pamtengo wokwanira.

Avereji ya mtengo wa inshuwaransi yaulendo ndi mtengo waulendo

Kutalika konse kwaulendo wanu kungakhudzenso momwe mukuyembekezera kulipira inshuwalansi yaulendo. Ulendo wa milungu iwiri mwina ungakuwonongereni ndalama zambiri kuposa kumapeto kwa sabata. Kukwera mtengo wonse waulendo, ndizomwe zimakwera kwambiri nthawi zambiri. Monga lamulo, akatswiri amati apaulendo amatha kuyembekezera kuwononga 4-11 peresenti ya mtengo wonse waulendo wawo pa inshuwaransi yapaulendo.

Umu ndi momwe mungakulitsire ndalama za inshuwaransi yoyendayenda ndikuwonjezera mtengo wonse waulendo wanu.

1000 dollars $50
2500 madola $111
5000 dollars $200
7500 madola 350 madola
$10,000 $447

Avereji yamitengo ya inshuwaransi yapaulendo potengera kuchuluka kwa apaulendo

Chimodzi mwazinthu zomwe muyenera kuziganizira pokonzekera ulendo wanu ndikusankha inshuwalansi yaulendo ndi chiwerengero cha omwe akuyenda mu gulu lanu. Anthu ochulukirapo omwe mukuyenda nawo, amakwera mtengowo chifukwa pali chiopsezo chachikulu kuti kampani yanu ya inshuwaransi iyenera kulipira ndalama zosayembekezereka. Izi ndi zoona makamaka kwa okalamba, omwenso ali ndi mwayi wowonjezereka wopeza ndalama zothandizira kuchipatala panthawi ya ndege. Izi ndi zomwe mtengo wapaulendo m’modzi ungawonekere m’magulu angapo.

wamkulu $111
akulu awiri $146
Mkulu mmodzi ndi mwana mmodzi $122
Akuluakulu awiri ndi mwana mmodzi $156
Awiri akulu ndi ana awiri $167

Travel Insurance Outlook ya 2022

M’zaka ziwiri zapitazi, malamulo ndi zoletsa za COVID-19 zomwe zikusintha nthawi zonse zasokoneza ntchito yoyendera maulendo, ndipo zakhala zovuta kuti apaulendo akonzekere tchuthi pasadakhale ndikukhala ndi chidaliro kuti mapulani awo sadzasokonezedwa. Apaulendo amazindikira.

Malonda a inshuwaransi yoyenda adakwera 53 peresenti m’masiku otsatira nkhani za mtundu wa Omicron, malinga ndi Squaremouth, kampani yofananitsa inshuwaransi yoyendera. Zatsopano monga nkhani zokhudzana ndi COVID komanso kuchedwa kwa ndege zikuchulukirachulukira pomwe apaulendo akuphunzira kuzolowera malo atsopanowa.

Othandizira inshuwaransi yapaulendo akuika patsogolo kusinthasintha, ndipo ochepa akusintha ndondomeko zawo kuti apereke chitetezo chabwino kwa apaulendo omwe angakumane ndi zochitika zatsopano zomwe zingakhudze kuyenda monga kuyesa kwa COVID-19 kapena kuletsa ndege chifukwa chakutsekedwa kwamalire omaliza.

pansi

Ngati mukufuna kuyenda posachedwa, chochita chanu choyamba chiyenera kukhala kudziwa kuchuluka kwa inshuwaransi yaulendo yomwe mungafune ndikuphatikizanso mtengo wowonjezera mu bajeti yanu yonse. Pamene mukufufuza ndondomeko yoyenera, ndikofunika kukumbukira kuti zinthu zingapo zingakhudze malipiro anu, koma kulipira patsogolo pang’ono kuti mutetezedwe kungakupulumutseni zikwi zambiri mtsogolomu.

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