Inshuwaransi yapaulendo: Kodi kuyenda paulendo wapaulendo wapaulendo wapamadzi ndikofanana ndi kutsimikizira mwana wazaka 18 kuti aziyendetsa?

Kukakamiza ma inshuwaransi kuti achepetse mtengo wa inshuwaransi yapaulendo kwa apaulendo okalamba silinali lingaliro labwino, malinga ndi bungwe lotsogola lopanda phindu la okalamba mdziko muno.

Mkulu wa National Seniors ku Australia a Chris Grace akuti amamvetsetsa ndikuyamika nkhawa zomwe zakhala zikunenedwa pokhudzana ndi kukwanitsa kwa inshuwaransi yapaulendo kumsika wakale wapaulendo.

Koma Grace akukhulupirira kuti kusuntha kulikonse kololeza kapena kuwongolera ma inshuwaransi kuti achepetse mitengo yawo kumatha kubweza ndipo pamapeto pake kuthamangitsa ma inshuwaransi pamsika.

kwa mwezi watha apaulendo apanyanja Zinalemedwa ndi madandaulo a anthu achikulire aku Australia okhudza kukwera mtengo kwa inshuwaransi yoyendera.

$ 10,000 idanenedwa kuchokera kwa wowerenga kuti apeze inshuwaransi yoyendera maulendo obwerera kumbuyo kuchokera ku North America kupita ku Iceland. Ena adanenanso kuti sanasungitse maulendo apanyanja mtsogolo chifukwa chakukwera mtengo kwa inshuwaransi.

Okwera onse omwe akupita kumayiko ena kapena ku Australia ayenera kukhala ndi inshuwaransi yomwe imawathandizira pazovuta za Covid 19.

apaulendo apanyanja Owerenga adandaulanso kuti inshuwaransi yoperekedwa kudzera pa kirediti kadi sichimawaphimba paulendo wapamadzi nthawi zino za Covid 19.

“Poganizira za kukwera mtengo kwachipatala, kukhudzidwa kwa COVID, ndalama zobweza (monga kunyamula anthu kuchokera m’sitima yapamadzi), kuchuluka kwa zomwe anthu ambiri amadandaula nazo, kapena ma inshuwaransi omwe amavomereza kapena kuwongolera mitengo yawo kwambiri, sizingakhale zothandiza kwambiri. ,” anatero Bambo Grace: ‘Mamembala athu’.

“Chiwopsezo cha izi ndi ma inshuwaransi omwe atuluka pamsika womwe tidawona pa nthawi ya COVID, kubwerera kumasiku omwe anthu amakakamizika kukakamizidwanso kapena kubwezeredwa kwa mawu omwe analipo kale, ndipo sizingakhale zotsatira zabwino. kwa anthu achikulire aku Australia komanso makampani oyendayenda kuphatikiza oyendetsa maulendo apanyanja.

“Bungwe lathu lakhala likugwira nawo ntchito yopititsa patsogolo mwayi wopezeka ndi inshuwaransi yoyendera makamaka kwa anthu achikulire aku Australia.

“Vuto lomwe m’mbuyomu linali lopeza makampani a inshuwaransi omwe atha kulipira anthu achikulire aku Australia pa inshuwaransi yoyendera, kapena kuwalipirira zinthu zomwe zinalipo kale.

“Kupyolera mukuchita nawo ntchito zolimbikitsa anthu komanso kutenga nawo mbali m’gulu la Insurance Reform Advisory Group lomwe limayang’aniridwa ndi boma, zasintha pa nkhani yopezera anthu okalamba a ku Australia.

“Ndili wokondwa kuona kuti mwayi umenewu wapita patsogolo motero ukuthandiza anthu ena achikulire a ku Australia kupita kunja kwa Australia amene sanathe kutero chifukwa cha mavuto azachuma amene amadza chifukwa chosatetezedwa pakakhala vuto la thanzi pamene ali patchuthi.

“Sindine woyimira bizinesi ya inshuwaransi, koma nkhaniyi ndi yovuta ndipo pali zinthu zambiri zomwe zimakhudza mtengo wachitetezo makamaka pakufalikira kwa mliri.

“Kupezeka kwa inshuwaransi yaulendo ngati chinthu, chithandizo chomwe chimaperekedwa, komanso mitengo yazinthu zomwe zanenedwa zimatsimikiziridwa ndi kuopsa kwamakasitomala kuti akhale ndi inshuwaransi.

“Makampani a inshuwaransi amadula mitengo yawo potengera kuopsa kwake ndipo ngoziyi ikugwirizana ndi komwe akupita, mtengo waulendo, nthawi yaulendo, zaka za kasitomala ndi malingaliro athanzi okhudzana ndi kasitomalayo.

“Tsoka ilo, sitingapeweretu kuti kuchuluka kwa thanzi lomwe munthu angakhale anali nako kapena akulandira chithandizo nthawi zambiri kumawonjezeka ndi zaka, zomwe ndizovuta zaumoyo zomwe kampani ya inshuwaransi imasamala kwambiri chifukwa ndipamene mtengo wake umachokera ku zomwe zanenedwa. kaonedwe.

“Ndalama zothandizira zaumoyo zomwe zimayenderana ndikuyenda nthawi zonse zimakhala zokwera mtengo chifukwa ku US zimawononga ndalama zoposa $25,000 patsiku pochiza odwala kwambiri, koma ogula akuyembekeza kuti akuyenera kulipidwa chifukwa cha COVID ngati gawo la inshuwaransi yawo, makampani a inshuwaransi akupanga izi. kupereka nthawi yowonjezera monga gawo la ndondomeko zawo.

“COVID yasintha machitidwe ogula a apaulendo okalamba chifukwa mwina akutenga nthawi yotayika chifukwa chotsekeka, kapena kuganiza kuti sapezanso mwayi woyendanso, ndiye tawona kuchuluka kwamayendedwe oyendetsa ndege komanso kusungitsa malo. nthawi zomwe zimakhudza mitengo ya inshuwaransi ngati mtengo wandege.

“Ngakhale timalimbikitsa anthu achikulire aku Australia ndipo cholinga chathu ndikuyimira zokonda zawo ndikuyambitsa tsankho lazaka komwe kulipo, ndili wokhazikika m’malingaliro mwanga ndikuyankha ndemanga yoti inshuwaransi yoyenda imakhudzidwa ndi ukalamba.

“Chifukwa chakuti inshuwaransi ndi chinthu chokhazikika pachiwopsezo, sitingapewe kugwirizana pakati pa zaka ndi thanzi lomwe lingathe kutsatiridwa ndi zomwe ma inshuwaransi amalipira ndalama zambiri ngati madola masauzande (ndi kuchuluka kwakukulu) kwa 18- Ana azaka za inshuwalansi ya galimoto yawo yonse motsutsana ndi zaka 65 zomwe zingawawononge pafupifupi $ 650 pa inshuwalansi, kapena ndalama zokwana $ 10,000 zomwe obwereka ayenera kulipira inshuwalansi ya ngongole yomwe imakhudza obwereka aang’ono poyerekeza ndi obwereka achikulire omwe satero.

“Lingaliro langa ndilakuti zaka sizimaganiziridwa pankhani ya inshuwaransi, koma mbiri yakale, luso, mbiri ya zomwe wachita bwino kapena mikhalidwe yamunthu yomwe ingagwire ntchito.

Wothandizira maulendo komanso wolemba kale upangiri wapaulendo wapaulendo Kim Collier akuti apaulendo ali ndi zosankha zochepa akafuna kugula inshuwaransi yoyenera.

“Monga wothandizira maulendo, ndikupangira kwambiri kuti makasitomala anga onse ali ndi inshuwaransi yoyenera yoyenda,” atero Ms Collier – yemwe wakhala Doc Holiday kwa zaka zisanu ku News Corporation Lamlungu.

“Ndikuwalimbikitsa kuti apeze ndalama zambiri zolipirira ndalama zilizonse zomwe angakumane nazo chifukwa cha zochitika zosayembekezereka.

“Mliri ukachitika, ndikofunikira kukhala ndi mfundo zomwe zikuphatikiza kufalitsa kachilombo ka Covid koma pali makampani ochepa omwe akupereka izi. Zimakutsimikizirani kuti mudzatetezedwa poletsa kuyimitsa komanso ndalama zomwe zabwera chifukwa cha zochitika zokhudzana ndi Covid.

“Maulendo apanyanja nthawi zambiri amaphimbidwa mliriwu usanachitike, ndipo tsopano uyenera kuzindikirika ndikuwonjezedwa ku ndondomekoyi – ndi milandu yowonjezereka.

Zimapereka chithandizo cha maulendo osagwiritsidwa ntchito omwe salipiridwa kale, maulendo opita kumphepete mwa nyanja omwe anaphonya, ndi malumikizidwe adoko omwe anaphonya. Palinso chipukuta misozi cha kusungitsa kanyumba kokakamiza.

“Inshuwaransi ndiyofunikira paulendo uliwonse wausiku wambiri mdziko muno komanso kumayiko ena. Ngakhale anthu aku Australia amalipiridwa ndi Medicare ku Australia kuti alandire chithandizo chamankhwala, salipidwa ndi chindapusa choletsa komanso ndalama zina ngati angafunikire kukhala kwaokha.

“Maulendo ena apanyanja amalowanso m’madzi apadziko lonse lapansi, kotero anthu ayenera kuyang’ana ndondomeko yomwe akufuna.

“Anthu ena amalipidwa ndi makhadi awo angongole. Ndikulimbikitsa anthu kuti awerenge PDS (Product Disclosure Statement) mosamala kwambiri popeza ichi nthawi zambiri chimakhala chivundikiro ndipo sichiphatikiza Covid 19 kapena Cruise.

A Cruise Passenger apempha banki yotsogola yomwe imapereka inshuwaransi yoyenda monga gawo la makhadi a ngongole a Platinamu ndi World Tier ndipo wolankhulirayo adatsimikiza kuti kufalitsa sikuphatikizanso thandizo kwa apaulendo omwe adadwala Covid ali paulendo.

Mneneriyo adati zitha kugulidwa mosiyana ndi makampani a inshuwaransi.

Tiuzeni zomwe mukuganiza za nkhaniyi mugawo la ndemanga.

Peter Lynch, Wofalitsa

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