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2022 Outlook for Travel Insurance Ogula – Forbes Consultant

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Pomwe zoletsa kuyenda zidatsitsimutsidwa ndipo apaulendo adayamba kusangalala, Omicron adaswa phwandolo. Nkhani zakusiyana kwa Covid zidapangitsa kutsekedwa kwamalire, machenjezo atsopano oyenda komanso kukhala kwaokha, kuwonetsa kuti mliriwu upitilira kusintha momwe timayendera kwakanthawi.

Mwamwayi, zosintha zambiri zomwe tingayembekezere kuwona mumakampani a inshuwaransi yapaulendo chaka chino – ndi kupitirira apo – ndicholinga chochepetsa mavuto obwera chifukwa chaulendo.

Chiyambireni mliriwu, apaulendo akhala akugula chitetezo chochulukirapo kuti aletse ndege, ndipo makampaniwa akulimbana ndi nkhani zokhudzana ndi Covid ndikupita ku kusinthika komanso kuwonekera.

Apaulendo ambiri akufunitsitsa kusungitsa ndege mu 2022, ndipo akuwonjezera inshuwaransi pamalingaliro awo. Malonda a inshuwaransi yapaulendo adakwera 53% m’masiku otsatira nkhani za mtundu wa Omicron, malinga ndi Squaremouth, wopereka inshuwaransi yofananira.

Nawa ena mwamayendedwe a inshuwaransi yoyendera omwe mungayembekezere kuwona mu 2022.

Fananizani ndikugula inshuwaransi yapaulendo

Inshuwaransi yoletsa ulendo ipitilira kupeza mphamvu

Inshuwaransi yoletsa ulendo imakubwezerani ndalama zolipiriratu zomwe simungabweze ngati mwaletsa pazifukwa zomwe zalembedwa pandondomeko yanu, monga matenda kapena ngozi yabanja.

Inshuwaransi yoletsa maulendo nthawi zonse yakhala gawo lodziwika bwino la inshuwaransi yapaulendo. Akhala mbali ya 80% mpaka 90% ya inshuwaransi yoyenda, malinga ndi Squaremouth.

Pamene mliri ukupitilirabe kukhudza kuyenda, izi sizikuwonetsa kuti zikuchedwa. Kugulitsa kwa mapulani a inshuwaransi yoyendera ndi kuletsa maulendo kunakwera 255% pachaka, Squaremouth akuti.

‘Kuletsa pazifukwa zilizonse’ kufalikira kudzakhalabebe mphamvu

Inshuwaransi ya Cancellation for Any Reason (CFAR) ndi kukweza komwe kulipo pazinthu zina zomwe zimakulitsa kuthekera kwanu kopereka chiwongolero choletsa ndege. Ngati muli ndi chithandizo cha CFAR, mutha kuletsa pazifukwa zilizonse zomwe sizinatchulidwe mundondomeko yoyambira ndikuthabe kulandira chipukuta misozi pa madipoziti anu otayika – nthawi zambiri 75%.

CFAR ndi chithandizo chabwino kwambiri panthawi yosadziwika bwino chifukwa imatha kugwira ntchito pazochitika zomwe sizimakhudzidwa ndi inshuwaransi yanu yapaulendo. Mwachitsanzo, mutha kulembetsa ku CFAR chifukwa chatsekedwa malire kapena chifukwa simukukonda kuyesa kwa Covid komwe mukupita kapena zomwe mukufuna kukhala kwaokha.

Kufalikira kwa “Kuletsa pazifukwa zilizonse” kwachulukirachulukira panthawi ya mliriwu ndipo kumatchukabe ndi apaulendo. Kugulitsa kwamtunduwu kudakwera 147% pakati pa 2020 ndi 2021, malinga ndi Squaremouth.

Kufalikira kwa Covid kuchulukirachulukira

Ndi zaka ziwiri za mliriwu, makampani ambiri a inshuwaransi yoyendera tsopano akuphatikizanso chithandizo chokhudzana ndi Covid monga gawo la inshuwaransi yawo yachipatala yoyendera komanso zoletsa maulendo.

“Ambiri opereka chithandizo tsopano amalipiritsa Covid paulendo wachipatala ndi kuletsa, ndipo amawona ngati matenda ena aliwonse nthawi zambiri,” atero a Megan Moncrieff, mneneri wa Squaremouth.

Inshuwaransi yachipatala yoyendayenda imalipira ambulansi, chithandizo chamankhwala, mankhwala, ndi zina ngati mukudwala kapena kuvulala paulendo wanu. Pali mitundu yosiyanasiyana ya chithandizo chomwe chilipo, ndi ndondomeko zina zomwe zimapereka ndalama zokwana madola 500,000 pa chithandizo chamankhwala munthu aliyense.

Ngati chithandizo cha Covid ndichofunika kwa inu, onetsetsani kuti mukuwona kuti mfundo zanu zikuphatikiza pakuletsa kwanu kuthawa komanso zopindulitsa zachipatala.

Onani malingaliro a Forbes Advisor pamalingaliro abwino kwambiri a inshuwaransi yaulendo.

Ubwino wa kuchedwa kwa ndege wakhala wofunika kwambiri

Ngakhale kuyimitsidwa kwa ndege kumakhalabe vuto lalikulu pakati pa apaulendo, zabwino zakuchedwa kwa ndege zatsala pang’ono kutchuka pomwe nkhawa zikukula zamitundu yosiyanasiyana komanso malo okhala, Moncrieff akutero.

“Zosinthazi zitayamba kuchitika, nkhawa yotenga kachilomboka ndikukakamizika kukhala kwaokha panthawi ya ndege idayamba kutsogolera pakuyimitsa,” akutero Moncrieff. “Tikuyembekeza mu 2022 kuti chidwi chofuna kufalitsa kuchedwa kwa ndege chichuluke.”

Inshuwaransi yochedwetsa paulendo imatha kukubwezerani zakudya, kukhala nthawi yayitali kuhotelo ndi zina zowonjezera ngati mukuyenera kudzipatula paulendo wanu, pamikhalidwe ina: Muyenera kuyesa kuti muli ndi Covid ndipo muyenera kukhala ndi mapulani omwe amalipira ndalama zokhudzana ndi Covid. Phindu litha kuwonjezedwa kwa masiku asanu ndi awiri kuchokera tsiku lobwerera kwanu ngati mukuyenera kukhala kwaokha komwe mukupita kwa nthawi yayitali kuposa momwe munakonzera.

Inshuwaransi yapaulendo nthawi zambiri samalipidwa ngati mulibe Covid koma muyenera kukhala kwaokha kwinakwake.

Kusinthasintha kwa inshuwaransi yapaulendo

Makampani ena a inshuwaransi yamaulendo tsopano alola makasitomala omwe apempha kuti asinthe madongosolo apandege m’malamulo. Izi zimakupatsani mwayi wochedwetsa ulendowo – komanso inshuwaransi yoyendera – osaletsa ndikukonzanso inshuwaransi.

Kuphatikiza apo, a Moncrieff akuti, ma inshuwaransi ambiri oyenda akadali okonzeka kuchotsera zilango zamayendedwe oletsedwa kapena osinthidwa, kuti muthe kubweza ndalama zoyendera zomwe zikadatayika.

Zosankha zinanso zamasitepe

Pofuna kukwaniritsa zosowa za apaulendo pa nthawi ya mliri, makampani a inshuwaransi yapaulendo akulimbikitsa zopindulitsa zina, zomwe zikupitilira.

Mwachitsanzo, mayiko ena amafuna kuti alendo azikhala ndi inshuwaransi yocheperako. Dziko la Costa Rica, lomwe ndi limodzi mwa malo odziwika kwambiri chaka chatha, likufuna kuti alendo omwe alibe katemera atenge $50,000 pa inshuwaransi yolipirira chithandizo chamankhwala ndi $2,000 pakuchedwetsa ndege kuti alipire malo ogona okhudzana ndi kukhala kwaokha.

Moncrieff akuti makampani ambiri a inshuwaransi yoyenda omwe sanapereke ndalamazi adakonzanso mapulani awo kuti akwaniritse malire omwe amafunikira.

“Chiyembekezo changa ndichakuti tipitilizabe kuwona kuyankha kotere mu 2022 malinga ngati mayiko amtunduwu alipo,” akutero. “Titha kuwonanso phindu la kuchedwa kwa ndege likuwonjezedwa kuchokera masiku asanu ndi awiri mpaka 10 kupitirira tsiku lotha ntchito.”

Ubwino wa zovuta zomwe zikubwera pokhudzana ndi mliri

Ndi kutuluka kwa zovuta zatsopano zoyendayenda, makampani a inshuwalansi oyendayenda akuwoneka kuti akuyankha.

Mwachitsanzo, makampani ena a inshuwaransi akuganiza zowonjezerera kutsekedwa kwa malire ndi machenjezo oyenda pambuyo pa Omicron, a Moncrief akuti, ngakhale zitenga nthawi kuti avomerezedwe m’boma lililonse ndikudziwitsa zamitengo.

Zili ngati uchigawenga. Palibe ndondomeko [terrorism coverage] isanafike 9/11 ndipo tsopano yalembedwa mwatsatanetsatane m’malamulo ambiri oletsa.”

Maulendo akunja ndi ofala ngakhale malamulo atsopano olowera

Zakhala “zabwinobwino” kuti apaulendo awonetse umboni wophatikizika wa katemera ndi zotsatira zoyipa zoyezetsa, umboni kapena kuchira ku Covid polowa m’maiko ena kenako pobwerera ku US.

Mu Januware 2021, Centers for Disease Control idapereka lamulo latsopano loti onse oyenda pandege obwera ku United States adzayezetse Covid masiku atatu asananyamuke. (Posachedwapa zasinthidwa kukhala tsiku limodzi m’mbuyomo.) Muyenera kusonyeza zotsatira zoipa, kapena umboni wakuti mwachira ku Covid m’masiku 90 apitawa, musanakwere.

Ngakhale mliriwu komanso zofunikira zina zolowera m’maiko, zopitilira 80% zosungitsa mu 2021 zinali zamayiko ena, malinga ndi Squaremouth.

Moncrieff akuti madera aku Europe, komabe, sakhala otchuka monga momwe analili mliriwu usanachitike. Iye anati: “Ngakhale kuti malire ali otseguka, ndikuganiza kuti anthu ‘akuyembekezerabe’ ndipo akupitirizabe kuyembekezera.” Ndipo mayiko a ku Caribbean ndi Mexico adakali otchuka kwambiri kuposa mmene zinalili mliriwu usanachitike.

Achinyamata apaulendo amatsogolera gululo

Apaulendo akuluakulu akuyandikirabe kunyumba, popeza apaulendo ang’onoang’ono amanyalanyaza kusokonezeka kwaulendo wa Covid.

Mliriwu usanachitike, inshuwaransi yambiri yoyenda idagulidwa ndi anthu azaka zopitilira 50. Izi zikusintha. Tsopano zambiri za inshuwaransi zoyendera zimagulidwa ndi anthu osakwanitsa zaka 50, malinga ndi Squaremouth.

“Akuluakulu akadali osasangalala ndi zoopsa zomwe zingachitike pakali pano, ndipo achinyamata amakonda kuyenda,” akutero Moncrieff. “Tikuyembekeza zomwe achinyamata, azaka zikwizikwi, Generation X, ndi ana omwe akupanga nawo msika wofanana mu 2022, apitirire.”

Pambuyo pa 2022: chilankhulo cha ndale chiyenera kufotokozedwa

Ndizotheka kuti ma inshuwaransi ena oyenda ayamba kukonzanso chilankhulo m’malamulo awo kuti awonetsere zatsopano zamoyo – ndikuyenda – m’dziko lomwe lili ndi mliri.

Lamuloli litha kukhala ndi inshuwaransi zina zapaulendo zomwe zimagwira ntchito ku Covid, monga inshuwaransi yazachipatala, pomwe ena alibe. Koma sikuti nthawi zonse amafotokozedwa.

Makampani a inshuwaransi yapaulendo awonjezera zambiri zokhudzana ndi Covid pamasamba awo kuti akwaniritse zidziwitso.

Kuwonjezera chilankhulo chomveka bwino pamalamulo okhudzana ndi Covid kudzatenga nthawi chifukwa madipatimenti a inshuwaransi aboma akuyenera kuvomereza zosinthazi, koma a Moncrief akukhulupirira kuti ma inshuwaransi mu 2022 apita patsogolo pofotokoza zomwe zikufotokozedwa ndi zomwe sizili.

Fananizani ndikugula inshuwaransi yapaulendo ya 2022

Fananizani mawu ochokera kumakampani opitilira 22 a inshuwaransi yoyendera

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