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Inshuwaransi Yoyenda Paulendo Wopita ku United Arab Emirates – Forbes Consultant

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

Alendo aku America amapeza zokumana nazo zapamwamba komanso zachikhalidwe zomwe United Arab Emirates ikupereka. UAE ili ndi magombe osakanikirana, zapamwamba zapadziko lonse lapansi, komanso mbiri yakale yomwe apaulendo akunja amasangalala nayo.

“Ulendo wopita ku UAE wakula kwambiri m’zaka 10 zapitazi, popuma komanso bizinesi,” atero a Lisa Conway, wamkulu wamakampani a inshuwaransi yapaulendo a Battleface. United Arab Emirates ndi likulu la zomangamanga ndi mapangidwe amakono ndipo ndi malo a nyumba yayitali kwambiri padziko lonse lapansi (Burj Khalifa). Dubai ndi Abu Dhabi ndi madera omwe anthu amawachezera kwambiri, ndipo apaulendo amakopeka ndi kuchuluka kwa zinthu zomwe zimapezeka kumeneko. ”

Mukamayendera UAE, mutha kutenga nawo mbali pazochita zambiri ndikusangalala ndi chikhalidwe chosungunuka. “UAE ili ndi makilomita oposa 800 a m’mphepete mwa nyanja, ndipo ndi kwawo kwa gulu la anthu othawa kwawo komanso othawa kwawo osiyanasiyana, zomwe zimapangitsa Dubai kukhala umodzi mwa mizinda yapadziko lonse lapansi,” akutero Conway.

Kukonzekera ulendo wopita ku United Arab Emirates kungafunike ndalama zambiri zoyendetsera ndege, mahotela, maulendo, mayendedwe ndi maulendo. Pokhala ndi ndalama zambiri paulendo wopambana, njira yanu yabwino ndikugula dongosolo la inshuwaransi yoyendera.

Pansipa pali mitundu ya inshuwaransi yoyendera kuti muganizire paulendo wotsatira wopita ku UAE.

Fananizani ndi kugula inshuwaransi yapaulendo

Inshuwaransi Yoletsa Ulendo: Kuyika kibosh pa Dubai Creek

Ngakhale kukonzekera bwino komanso mayendedwe okhazikika oyendera UAE, zochitika zosayembekezereka zitha kuchititsa kuti ulendo wanu uimitsidwe.

Inshuwaransi ya Standard Trip Cancellation ikukubwezerani 100% ya ndalama zolipiriratu, zosagwiritsidwa ntchito, zosabweza zomwe mumataya ngati mukufuna kuletsa ulendo wanu pazifukwa zomwe zafotokozedwa m’ndondomeko yanu.

Zifukwa zovomerezeka ndi izi:

  • Matenda kapena kuvulala kwa inu, woyenda naye, kapena wachibale wapamtima
  • Imfa ya wachibale kapena woyenda naye
  • Zadzidzidzi banja lalikulu
  • Kuchotsedwa ntchito mosayembekezera
  • kutumiza asilikali
  • kuitana jury duty
  • chisokonezo cha anthu
  • nyengo yoopsa
  • Kusokonekera kwa omwe akukupatsirani maulendo
  • zochita zankhondo

Zifukwa zovomerezeka zoyitanitsa kuchotsedwa kwaulendo zimasiyana kwambiri kuchokera ku inshuwaransi yaulendo kupita ku ina, choncho onetsetsani kuti mwawerenga tsatanetsatane wa chikalata chanu kuti mudziwe zomwe zikuyenera kufunsidwa.

Dongosolo lanu la inshuwaransi yapaulendo silidzapereka zifukwa zonse zolepheretsera. Ngati masiku atatu musananyamuke muli ndi malingaliro ena okhudza ulendo wautali wopita ku UAE, simungathe kuwerengera phindu laulendo wanu wa inshuwaransi yaulendo.

“Kuletsa pazifukwa zilizonse” inshuwalansi yoyendayenda

Ngati mukufuna kusinthasintha kwambiri pamakonzedwe anu oyenda, ganizirani kuwonjezera “kuletsa pazifukwa zilizonse” inshuwaransi yapaulendo ku ndondomeko yanthawi zonse. Zowonjezera zamtengo wapatalizi zikupatsani mwayi woti musiye ulendo wanu pazifukwa zilizonse zomwe mukufuna, bola mutasiya osachepera masiku awiri tsiku lanu lonyamuka lisanafike. Koma zidzakulitsa mtengo wa inshuwaransi yanu yoyenda ndi pafupifupi 50%.

Malingana ngati mukwaniritsa zofunikira, mutha kubweza 75% pamtengo waulendo wanu ndi “kuletsa pazifukwa zilizonse” inshuwaransi yaulendo.

Inshuwaransi Yochedwetsa Kuyenda: Tikuwonani posachedwa, Dubai Spice Market

Ulendo wopita ku Abu Dhabi kuchokera ku United States uphatikiza ndege imodzi kapena ziwiri zolumikizana. Kuchedwa kwa ndege nthawi iliyonse kukhoza kusokoneza ulendo wanu wokonzekera bwino.

Ngati mukuyimba ku Amsterdam, mwachitsanzo, ndipo ulendo wanu wachedwa chifukwa cha mabingu, mukhoza kuphonya ulendo wanu wopita ku United Arab Emirates.

Ndi Flight Delay Travel Insurance, ngati mwaphonya ulendo wanu, mutha kubweza ndalama zomwe mukufuna kubweza monga chakudya, malo ogona kuhotelo ndi zinthu zina zosamalira.

Zifukwa zina zovomerezeka zochedwetsa ndi izi:

  • Mavuto oyendetsa ndege
  • nyengo yoopsa
  • nkhani zachitetezo

Ndondomeko yanu sidzakhudza zonse zomwe zimachititsa kuti maulendo achedwe. Ngati muli pabwalo la ndege musanayambe kuthawa ndikutaya kulumikizidwa kwanu chifukwa cha kusiyana kwa nthawi, inshuwaransi yanu yakuchedwa sikudzalipira ndalama zomwe zimagwirizana.

Ndizofala kuti makonzedwe a inshuwaransi yapaulendo azikhala ndi nthawi yodikirira phindu lochedwetsa ulendo lisanayambe. Mwachitsanzo, zitha kukhala maola asanu ndi limodzi kapena 12, kutengera chikalata chanu. Yang’anani nthawi yochepa yodikira pamene mukugula ndondomeko.

Ngati kuchedwa kukupangitsani kuti mufike mochedwa ndikuphonya ulendo wolipiriratu kapena usiku woyamba wokhala ku hotelo yanu ku Abu Dhabi, mutha kulemberanso chiganizo chazovuta zachuma izi. Onetsetsani kuti mwasunga malisiti anu, monga momwe adzafunikire potumiza zomwe mukufuna.

Zogwirizana: Momwe mungapezere chipukuta misozi paulendo wa inshuwaransi

Inshuwaransi yoyenda pakasokonezeka paulendo: Bye Dubai

Ngati mukukwera ngamila ku Dubai ndipo mwagwa ndikuthyola mkono wanu, mungafune kupita kunyumba mutawonana ndi dokotala wamba. Inshuwaransi yanu yapaulendo chifukwa cha kusokonezedwa kwaulendo imatha kulipira tikiti yobwerera paulendo wandege yanjira imodzi komanso ndalama zilizonse zosagwiritsidwa ntchito, zolipiriratu, zosabwezeredwa zomwe mudzataya podula ulendo wanu.

Zifukwa zina zomwe inshuwaransi yosokoneza maulendo ikhoza kuphimba ndi izi:

  • Mavuto a m’banja, monga imfa ya wachibale wake wapamtima
  • Wabale wodwala kapena wovulala kunyumba
  • chisokonezo cha anthu
  • nyengo yoopsa

Si zifukwa zonse zomwe zidzafotokozedwe ngati mukufuna kuchoka msanga. Mwachitsanzo, ngati mwana wanu akulemberani mameseji kuti azipongozi anu ndi olera ana, kampani ya inshuwalansi yapaulendo sikungakuthandizeni ngati mwaganiza zopita kunyumba mwamsanga.

Travel Insurance “Dulani pazifukwa zilizonse”

Ganizirani za “Pa chifukwa Chilichonse” inshuwalansi yaulendo ngati mukufuna ufulu wopita kunyumba mwamsanga, zivute zitani. Ndikusintha kosankha komwe kumagulitsidwa ndi makampani angapo a inshuwaransi yapaulendo omwe amabwezera ndalama zokwana 75% zaulendo wa inshuwaransi. Muyenera kugula mkati mwa masiku 15-20 kuchokera pamalipiro oyamba kapena kusungitsa ndege yanu. Nthawi zambiri imawonjezera 3% mpaka 10% pamtengo wa inshuwaransi yoyendera.

Inshuwaransi yazachipatala paulendo pakagwa ngozi zadzidzidzi ku United Arab Emirates

Inshuwaransi yazachipatala ndiyofunika kwambiri mukamayenda kunja kwa United States chifukwa dongosolo lanu lazaumoyo sangavomerezedwe kunja. Medicare sivomerezedwa m’mayiko akunja.

Inshuwaransi yamtengo wapatali iyi yoyendayenda imatha kulipira chithandizo chamankhwala ngati mukudwala kapena kuvulala paulendo wanu. Imabwezera ndalama zoyendera madokotala, mankhwala, ntchito ya labu, ma x-ray, ndi kugona m’chipatala, mpaka malire anu.

Zogwirizana: Mapulani abwino kwambiri a inshuwaransi yoyendera Covid-19

Inshuwaransi yaulendo wochoka kuchipatala

Ngati matenda anu ndi ovuta kwambiri kapena ngati muli m’dera limene mukufunikira ambulansi ya ndege, inshuwalansi yaulendo wopita kuchipatala mwamsanga imalipira ndalama zoyendera, mpaka malire a ndondomeko yanu. Mutha kupita kuchipatala choyenera chapafupi, kapena kupita kunyumba ngati kuli kofunikira.

“Ndingalimbikitse apaulendo kuti awonjezere ndalama zopulumutsira kuchipatala mpaka $250,000 chifukwa mayendedwe akunja kwa UAE amatha kukhala okwera mtengo kwambiri chifukwa cha komwe kuli,” akutero Conway.

24/7 chithandizo cha inshuwaransi yapaulendo

Mukagula inshuwaransi yapaulendo, yang’anani zotsatsa zapadera zomwe zingaphatikizidwe ndi ndondomeko, monga nambala yafoni yothandizira paulendo 24/7.

“Chisamaliro chaumoyo ku UAE ndi chapamwamba kwambiri chokhala ndi malo apamwamba kwambiri, chomwe ndi chimodzi mwa zifukwa zomwe Abu Dhabi ndi Dubai akhala malo opitako kukaona zachipatala,” akutero Don van Skyuk, Wachiwiri kwa Purezidenti wa Individual Sales. ku GeoBlue, kampani ya inshuwaransi yoyenda. “Ngakhale ndi chithandizo chamankhwala chapamwamba kwambirichi, apaulendo amayenera kuyang’ana inshuwaransi yoyendera yomwe imaphatikizapo 24/7 zolankhulana ndi telemedicine kuti athe kupeza chithandizo mwachangu.”

Komanso, foni yothandizira kampani ya inshuwaransi yoyendera imaperekanso ntchito zina zothandiza.

Mneneri wa Allianz Travel Insurance akutero a Daniel Durazo. Akuti pulogalamu yam’manja ya Allianz’s TravelSmart imakhala ndi mawu ofunikira azachipatala kapena mayina azilankhulo zosiyanasiyana. Mwanjira iyi ngati mukudwala, muli ndi njira yopempha thandizo. Pulogalamuyi ilinso ndi mawonekedwe a AroundMe omwe amawonetsa zipatala zapafupi kapena akazembe, ngati pakufunika.

Inshuwaransi yapaulendo pakutayika komanso kuchedwa kwa katundu ndi zinthu zanu

Nthawi zonse pamakhala mwayi woti matumba anu atayika, kubedwa kapena kuonongeka poyenda, makamaka ngati muli ndi maulumikizidwe angapo. Inshuwaransi yanu ya katundu ikhoza kukupatsani chithandizo chandalama ngati izi zitachitika. Mutha kubweza chiwongola dzanja ndikulandila chipukuta misozi pamtengo womwe ungagulidwe wa Katundu wanu ndi zomwe zili mkati mwake bola zitaphimbidwa pansi pa Policy yanu. Onetsetsani kuti mwasunga lipoti la ndege yanu chifukwa mudzafunika kuipereka ku kampani yanu ya inshuwaransi yoyenda popanga zomwe mukufuna.

Ngati katundu wanu wafika komwe mukupita pambuyo pake, phindu la kuchedwetsa katundu lidzagwira ntchito. Kumbukirani kuti nthawi zambiri pamakhala nthawi yodikira isanayambe kufalitsa.

Inshuwaransi yoyenda katundu wanu imatetezanso katundu wanu wina mukamayenda. Ngati chikwama chanu chabedwa mukusakatula msika wakunja, mwachitsanzo, mutha kulembetsa. Onetsetsani kuti mwanena zomwe zachitika kwa woyendetsa alendo kapena akuluakulu aboma. Muyenera kutumiza zikalatazi ku kampani yanu ya inshuwaransi yoyendera.

Dziwani kuti kutayika kwa katundu nthawi zambiri kumakhala kwachiwiri kuzinthu zina zomwe munganene, monga kubweza ndalama zandege (ngati matumba anu atayika), kirediti kadi kapena inshuwaransi yakunyumba.

Pokhala ndi katundu wotayika, muyenera kuyang’ananso mapanga ndi zosiyana izi:

  • Malire a chinthu chilichonse
  • zisoti pakubweza
  • Zinthu zomwe sizinaphatikizidwe monga mawotchi opangira ndi zojambulajambula
  • Ndalama zotayika kapena zakuba sizibwezeredwa

Dongosolo labwino kwambiri ndikuti musabweretse katundu wamtengo wapatali mukamayenda.

Mtengo wapakati wa inshuwaransi yaulendo umachokera pa 5% mpaka 6% ya mtengo waulendo wanu, malinga ndi kusanthula kwa Forbes Advisor pamitengo ya inshuwaransi yoyendera. Mtengo wapakati paulendo wa $5,000 ndi $228, ndipo ulendo wa $10,000 ndi $512, kotero kugula inshuwaransi yaulendo kungakhale njira yabwino yotetezera ndalama zanu.

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Fananizani ndi kugula inshuwaransi yapaulendo

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