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Mfundo zisanu zofunika kuziwunikanso mu inshuwaransi yanu yaulendo kusindikiza bwino – Forbes Consultant

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

Palibe amene amafuna kukumana ndi zodabwitsa pamene ali paulendo, ndipo izi zimafikiranso pakupanga madandaulo pa inshuwaransi yawo yoyendera. Kupatula apo, mutha kugula chithandizo chamtendere wamalingaliro ngati pabuka mavuto osayembekezereka musanayambe kapena paulendo wanu.

Koma ngati simukudziwa momwe inshuwaransi yoyendera imagwirira ntchito, mungakhumudwe ngati mutazindikira kuti simukuyenera kupereka chiwongolero. Ichi ndichifukwa chake ndikofunikira kumvetsetsa kukula kwa dongosolo lanu la inshuwaransi yoyenda.

Fananizani ndi kugula inshuwaransi yapaulendo

Nthawi yabwino yowonera ndondomeko yanu

Mapulani ambiri a inshuwaransi yoyendera amakhala ndi nthawi “yaulere” yomwe imalola kubweza ndalama ngati mukuganiza kuti simukufuna kusunga dongosolo. Mwachitsanzo, mutha kubweza ndalama zanu ngati patatha masiku 14 kapena 30 mwaganiza zoletsa ndondomeko yanu, bola ngati simunanyamuke kapena kubwereka. Gwiritsani ntchito nthawiyi kuti mumvetsetse zoperewera, zopatula, nthawi zodikirira, kuchuluka kwa ndalama, ndi chenjezo zina zomwe zimakuuzani momwe mungakulipire zomwe mwatayika.

Nazi mfundo zisanu zofunika kwambiri kuti muwunikenso paulendo wanu wa inshuwaransi. Ngati mukufuna kumveketsa bwino za mapindu anu, mutha kuyimbira foni nambala yamakasitomala ya kampani yanu ya inshuwaransi kapena wothandizira inshuwalansi yapaulendo.

Zogwirizana: Makampani abwino kwambiri a inshuwaransi yoyenda

1. Kumvetsetsa Inshuwaransi Yoletsa Ulendo

Anthu ambiri amagula inshuwaransi yaulendo pa inshuwaransi yoletsa ulendo, yomwe ingakubwezereni ndalama zanu zolipiriratu, zomwe sizingabwezedwe ngati mwaletsa pazifukwa zomwe mwatsata. Mutha kuganiza kuti mutha kuletsa pazifukwa zilizonse, koma sizili choncho ndi dongosolo la inshuwaransi yoyendera. Inshuwaransi yanu yapaulendo imakhazikitsa zifukwa zenizeni zomwe madandaulo oletsa maulendo amavomerezedwa. Ichi ndichifukwa chake mukufuna kuwerenga tsatanetsatane wa ndondomeko yanu.

“Yang’anani pazifukwa ndi zosiyanitsidwa zoletsa ulendo kuti musadabwe panthawi yachidziwitso,” atero Kristen Baghe, mneneri wa Travelex Insurance Services.

Nthawi zambiri, zifukwa zovomerezeka zochotsera ulendowu ndi monga imfa, matenda kapena kuvulala kwa wachibale kapena woyenda naye, woyenda naye, kapena wachibale wapamtima, vuto lalikulu labanja, nyengo yoipa, kapena ntchito yosakonzekera, kapena ntchito yodabwitsa. Kutayika, Kutumiza Asitikali, Kusokoneza Zothandizira Maulendo, Kusokonezeka Kwa Anthu, Kumenyedwa Kwadziko Lonse, Zowopsa.

Ngakhale mindandanda yazifukwa zovomerezeka zolepheretsera ndizofanana pakati pamakampani a inshuwaransi yapaulendo, amasiyananso. Mwachitsanzo, matanthauzo a “wa m’banja” amasiyana malinga ndi kampani ya inshuwalansi, ndipo nthawi zambiri samamvetsetsa, akutero Carol Mueller, mneneri wa Berkshire Hathaway Travel Protection (BHTP).

“Mapulani ena a inshuwaransi yaulendo ku United States ali ndi tanthauzo lochepa kapena lachikhalidwe la mamembala am’banja, pomwe ena monga BHTP amaphatikizanso kutanthauzira kokwanira kuphatikizanso bwenzi lapakhomo, wosamalira, azakhali kapena amalume ndi zina zambiri,” akutero.

Mapindu oletsa maulendo okhazikika samakhudza zifukwa zonse. Ngati mukufuna kuletsa ulendo wanu chifukwa munasudzulana ndi bwenzi lanu ndipo simukufuna kuyenda limodzi, simudzakhala oyenerera kupereka chindapusa poletsa inshuwaransi yaulendo.

Ngati mukufuna kusinthasintha kwambiri ndi chiwongola dzanja chanu cha inshuwaransi yoletsa ulendo wanu, lingalirani zokweza dongosolo lanu kuti liphatikizepo “kuletsa pazifukwa zilizonse”. Kuphatikiza uku kumawonjezera mtengo wa inshuwaransi yoyenda ndi pafupifupi 50%. Mukuloledwa kupereka chindapusa choyimitsa ndege pazifukwa zilizonse bola mutaletsa osachepera maola 48 nthawi yanu yonyamuka isanakwane.

Mukakwaniritsa zofunikira zonse, mutha kubwezeredwa 50% kapena 75% ya ndalama zomwe simungabweze.

Komanso, onetsetsani kuti mwawonjezera “kuletsa pazifukwa zilizonse” ngati mukufuna, chifukwa nthawi zambiri mumagula mkati mwa masiku 14 mutayendetsa ndege yanu yoyamba.

2. Kudikirira Nthawi za Inshuwaransi Yochedwa Ulendo

Mapindu a inshuwaransi yochedwetsa paulendo atha kukhala chisomo chopulumutsa ngati ndege yanu yachedwetsedwa kapena kuyimitsidwa. Ngati mwasoŵa pabwalo la ndege kwa maola angapo kapena usiku wonse, ndalama zomwe mumagwiritsa ntchito zitha kulipidwa chifukwa cha inshuwaransi yochedwa. Mutha kubwezanso ntchito zomwe simungabweze komanso ndalama za malo ogona zomwe mudalipira kale zomwe simunaphonye pofika mochedwa komwe mukupita.

Yang’anani nthawi zodikira kuti mupewe kuchedwa kwapaulendo. Izi zidzakhala mu ndondomeko yanu. Nthawi zambiri, pamakhala maola atatu mpaka 12 phindu lililonse lisanayambe.

“Tsoka ilo, kuchedwa kwa ndege kukukhala chinthu chachilendo m’mayendedwe amasiku ano,” akutero Boge. “Kuchedwetsa kwakanthawi mpaka maola angapo sikukhudza kwenikweni koma kuchedwa kungayambitse kuphonya maulalo ndi zochitika komwe mukupita.”

Mukamagula inshuwalansi, yang’anani yomwe ili ndi nthawi yochepa yodikirira kuti phindu lochedwetsa ulendo liyambe.

3. Inshuwaransi yapaulendo yokhudzana ndi COVID

Zokhudzana ndi Covid tsopano zikuphatikizidwa m’mapulani ambiri a inshuwaransi yoyendera. Koma pali zosiyana, choncho onetsetsani kuti mwawona izi ngati mukufuna kufalitsa Covid:

  • Lumikizanani ndi kampani yanu ya inshuwaransi yoyendera kuti muwonetsetse kuti Covid ali ndi dongosolo lanu. Ngati dongosolo lanu likukhudzana ndi Covid, muyenera kuwunikanso zambiri zomwe zaperekedwa ndi kampani yanu ya inshuwaransi yapaulendo chifukwa zambiri sizingatchulidwe mwatsatanetsatane pamalamulo anu. Makampani ena a inshuwaransi ali ndi chidziwitso cha Covid pamasamba awo.
  • Kumbukirani kuti ngakhale malamulo anu atakhudza Covid, muyenera kuyezetsa kuti muli ndi kachilomboka kuti mukhale oyenera kulandira mapindu ena, ndipo kuyezetsa Covid kunyumba sikukwanira. Onetsetsani kuti mukudziwa zomwe mukufuna kuti mupereke chiwongola dzanja cha inshuwaransi yokhudzana ndi Covid.

Dziwani ngati Covid ndi chifukwa chovomerezeka choletsera inshuwaransi yanu yoletsa ndege. Inshuwaransi yapaulendo idzakulipirani ngati simungathe kupita paulendo chifukwa munapezeka kuti muli ndi chiyembekezo musananyamuke, bola ngati inshuwaransi yanu yoyendera ikuphatikiza kuchotsedwa kwa Covid.

Funsani kampani yanu ya inshuwaransi yoyendera kuti itsimikizire kuti inshuwaransi yanu yoyendera zamankhwala imakhudza Covid. Dongosolo la inshuwaransi yapaulendo yomwe imaphatikizapo kubweza kwa Covid imatha kulipira ndalama zolipirira madokotala ndi zipatala, mankhwala, ntchito ya labu, ngakhale malire achipatala, ngati mutatenga kachilomboka paulendo wanu wakunja.

Inshuwaransi yochedwa paulendo imatha kulipira ndalama zina zogulira malo ogona komanso zakudya panthawi yokhala kwaokha ngati mutatenga kachilomboka paulendo wanu. Nthawi zambiri mutha kubwezeredwa mpaka sabata imodzi kuchokera tsiku lomwe mwabwererako ngati mutapezeka kuti muli ndi kachilomboka ndikukakamizika kukhala kwaokha kupitilira zomwe munapanga poyamba.

Zogwirizana: Mapulani abwino kwambiri a inshuwaransi yoyendera Covid-19

4. Kumvetsetsa momwe zakhalira kale zachipatala

Inshuwaransi yachipatala yoyenda silipira ndalama zonse zachipatala zomwe zachitika paulendowu. Inshuwaransi yazachipatala yoyenda ingaphatikizepo zoletsa zina zachipatala chomwe chinalipo kale. Ndondomeko yanu idzakhala ndi “nthawi yowunikira” kuti mudziwe zomwe zinalipo kale, akutero Chris Carnicelli, CEO wa Generali Global Assistance.

“Nthawi zowunikira nthawi zambiri zimakhala masiku 180 musanagule mapulani anu, koma zimatha kukhala zazifupi ngati masiku 60 kutengera dongosolo lomwe mwagula komanso komwe mukukhala,” akutero Carnicelli. “Chilichonse chomwe chingachitike nthawi yobwereza isanafike ‘sizinalipo kale’ mwa kutanthauzira. Palinso mfundo zina zothandiza mu gawo ili la dongosolo lanu.”

Kawirikawiri, ngati muli ndi kusintha kulikonse muzochitika zanu zachipatala panthawi yowunikiranso, monga matenda atsopano kapena mankhwala atsopano, chikhalidwecho chidzaganiziridwa kuti “chokhalapo kale.”

Ngati muli ndi matenda omwe analipo kale, musadandaule, Carnchelli akuti, pali zosankha. “Zolinga zina zitha kukuthandizani ngati mukwaniritsa zofunikira zina,” akutero Carnicelli. Ngati matenda anu akulamulidwa ndi mankhwala, mlingo wanu sunasinthe ndipo ndinu okhazikika pachipatala ndipo simunayambe kuphulika posachedwa, vutoli silingaganizidwe kuti linalipo kale pansi pa ndondomeko za inshuwalansi zaulendo.

Ngati sichoncho, Carnicelli akuti, mutha kuyang’ana dongosolo lomwe limapereka chiwopsezo cha matenda omwe analipo kale.

Kusiya kukhululukidwa chifukwa cha matenda omwe analipo kale nthawi zambiri amapezeka ngati mutagula ndondomeko ya inshuwalansi yaulendo pasanathe masiku 15 mutayendetsa ndege yanu yoyamba ndipo mukutsimikiza za mtengo wonse waulendo wanu.

Onetsetsani kuti mwawerenga zopatula za inshuwaransi yaulendo wamankhwala. Mwachitsanzo, ngati masewera owopsa ndi zochitika zapaulendo sizikuphatikizidwa, simungathe kubweza ngati munavulala paulendo wanu mukuchita nawo zamtunduwu.

Njira yabwino kwambiri ndiyo kukhazikitsa ndondomeko yanu. Kuchokera kumeneko, mutha kusintha inshuwaransi yanu yoyendayenda ngati mukufuna kusintha masiku oyenda kapena kuwonjezera kuchuluka kwazomwe mukufunikira,” akutero Boge.

5. Malire obweza inshuwalansi yaulendo

Carnicelli wa Generali akuti malire opindulitsa ayenera kukhala chimodzi mwazinthu zoyamba zomwe mumayang’ana mukagula mfundo ndikuwunikanso zomwe mwapeza. “Ngati simuli, ndiye kuti muyenera kutero, chifukwa malire a phindu amatsimikizira kuchuluka kwa ndalama zomwe mungabwezere kuchokera ku zomwe zaperekedwa,” akufotokoza.

Malire ena a phindu, monga kuletsa ulendo ndi kusokonezedwa ndi ulendo, zimatengera mtengo waulendo womwe mukupangira inshuwaransi. Zina, monga zokhudzana ndi kuchedwa kwa ndege, inshuwalansi ya katundu ndi ndalama zachipatala zimaika malire.

Mwachitsanzo, dongosolo la AXA Assistance USA Platinamu limapereka $250,000 kuti athe kulipirira ndalama zachipatala za munthu aliyense. Katundu wotayika ndi katundu wamunthu mu dongosololi amapereka malire okwana $3,000 pa munthu pa katundu wotayika ndipo chinthu chilichonse chimakhala ndi ndalama zokwana madola 500, ndi ndalama zokwana $1,000 zamtengo wapatali.

Kuti mudziwe malire anu pagawo lililonse lothandizira, Carnicelli akunena kuti ayang’ane ndondomeko yanu yopindula, yomwe ikuphatikizidwa mu ndondomeko yanu ya ndondomeko ndi kalata yotsimikizira ndondomeko. Mukawunikanso ndondomeko yanu, mutha kusankha kuti mukufuna zambiri – kapena zochepa – kufalitsa.

Ndikofunikiranso kudziwa momwe mungakulipire ngati mupereka chiwongola dzanja. Izi ndi zoona makamaka pa katundu ndi katundu waumwini. Ngati mupereka chiwongola dzanja cha inshuwaransi ya katundu, simungalandire ndalama zofanana ndi mtengo wosinthira zinthu ndi zatsopano. Malipiro amatha kukhala mtengo wokonzanso kapena kusintha chinthucho, poganizira zaka zake, kutha ndi kung’ambika.

“Mtengo wapano sungakhale mtengo womwewo womwe mudagulapo chinthucho,” akutero Buggy ndi Travelex. Mungaganize ngati inshuwalansi ya galimoto yanu. Ngati mutachita ngozi ndipo galimoto yanu yonse yawerengeredwa, mudzalipidwa pamtengo wamakono wa galimotoyo.

Buggy imalimbikitsanso kuti muwunikenso ndondomeko yanu kuti muwone ngati kufalitsa kwanu kuli koyambirira kapena kwachiwiri. Ndi chithandizo choyambirira, kampani ya inshuwaransi yoyenda imalipira ndalama zoyambira, ndikuchotsa kufunika kopereka chiwongolero pa inshuwaransi yakunyumba kwanu kapena ndi ndege. Ndi chithandizo chachiwiri, mutha kuyika madandaulo ku kampani yanu ya inshuwaransi yakunyumba kapena wonyamula wamba, monga ndege.

Nthawi zambiri, zonena za katundu wa inshuwaransi yaulendo ndi zachiwiri, zomwe zikutanthauza kuti mutha kungopereka chiwongolero ku kampani ya inshuwaransi yapaulendo ngati simungathe kubweza zotayikazo kudzera muzinthu zina zomwe mungapange.

Kampani yanu ya inshuwaransi yapaulendo ilipo kuti ikuyankheni mafunso anu ngati mukufuna thandizo lofotokozera chilankhulo. Ndipo musaiwale nthawi yobwereza. “Ngati simukukhutira ndi kugula kwanu mkati mwa masiku a 15, tidzakubwezerani mtengo wa ndondomeko yanu, bola ngati simunachoke paulendo wanu kapena kudandaula,” anatero Bogie ku Travelex. “Tengani nthawi ino kuti muwunikenso ndondomeko yanu, werengani zambiri ndikulumikizana nafe ngati mukufuna kudutsa zochitika zina zomwe simukutsimikiza.”

Chizindikiro cha pasipoti

Fananizani ndi kugula inshuwaransi yapaulendo

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