Kodi inshuwaransi ya pandege imapanga chiyani? (2022)

M’nkhaniyi: Kodi inshuwaransi ya ndege ndi chiyani? | | Zomwe sizikuphimbidwa | | Amagulitsa bwanji | | Ndingazipeze bwanji | | pansi | | mafunso ndi mayankho

Tchuthi sikutanthauza kupuma chabe; Ndi ndalama, makamaka ngati mukupita kunja. Ngati mtengo waulendo wanu – kuphatikiza ndi nyengo yosadziwika yapaulendo – imakupangitsani kukhala ndi nkhawa kuposa kusangalala ndi ulendo wotsatira, mungafunike kuganizira za inshuwaransi ya pandege.

Gulu la Home Media Reviews lachita kafukufuku pamakampani a inshuwaransi yapaulendo kuti apereke zonse zomwe muyenera kudziwa za inshuwaransi yandege. Werengani kuti mudziwe zambiri za izi:

  • Kodi inshuwaransi ya ndege ndi chiyani ndipo imakhudza chiyani?
  • Inshuwaransi yanu ingaphatikizepo
  • Zomwe mungayembekezere kulipira inshuwalansi ya ndege yanu
  • Malangizo oti inshuwaransi ya ndege ndi yoyenera kapena ayi

Kodi inshuwaransi ya ndege ndi chiyani?

Monga momwe dzinalo likusonyezera, inshuwaransi yaulendo ndi mtundu wa inshuwaransi yaulendo yomwe imakubwezerani mtengo wa tikiti ya ndege ngati mukuyenera kuletsa tchuthi chanu. Komanso, chifukwa makampani a ndege saloledwa kutero Lipirani kuchedwa kwa ndegeInshuwaransi ya ndege ikhoza kukuthandizani kubwezanso mtengo wa magawo ena aulendo wanu ngati kuchedwa kukupangitsani kuti musiye kulumikizana.

Ngakhale makampani ena a inshuwaransi yoyenda amapereka inshuwaransi yandege ngati njira yodziyimira yokha, chitetezochi nthawi zambiri chimagulitsidwa ngati gawo la Comprehensive Travel Insurance Plan. Muthanso kugula inshuwaransi yandege kudzera pa ndege yayikulu.

Monga mitundu ina ya inshuwaransi yoyenda, inshuwaransi ya pandege imaphatikizapo chitetezo pakanthawi kochepa. Muyenera kuletsa mapulani anu kuti muyenerere kulipira matikiti anu. Mwachidule, kusafuna kupezeka paulendo wa pandege sikukwanira nthawi zambiri.

Zitsanzo zina za zochitika zomwe nthawi zambiri zimakhudzidwa ndi izi:

  • Matenda osayembekezereka kapena imfa yadzidzidzi ya wachibale kapena woyenda naye
  • Kuchedwerako kwa ndege kukuchititsani kuphonya ndege yolumikizira
  • Nyengo yoipa yomwe imapangitsa kuti ndege yanu iletse ulendo wanu

Ndi chiyani chomwe sichimalipidwa ndi inshuwaransi yandege?

Chitetezo chodziyimira pawokha choletsa ndege kungakupulumutseni mazana a madola pamtengo wochepera mtengo wa inshuwaransi yoyendera. Komabe, mtengo wotsikirapo umabwera ndi malire a kuphimba. Mwachitsanzo, ngati kuchedwa kwa ndege kapena kuchedwa kwina kukhudza magawo ena aulendo wanu, wothandizira inshuwalansi nthawi zambiri amangokubwezerani ndalama zaulendo wanu.

Dongosolo lathunthu la inshuwaransi yoyenda lingaphatikizepo chitetezo monga chithandizo chamankhwala, chipukuta misozi chotaya katundu, mayendedwe azachipatala mwadzidzidzi, ndi zina zambiri. Zingaphatikizeponso kubweza ndalama zowonjezera monga thandizo laulendo ndi chitetezo chagalimoto yanu yobwereka.

Nawa zina zowonjezera mukagula inshuwaransi yokwanira yapaulendo kuchokera kwa wodziyimira pawokha wachitatu:

  • Zadzidzidzi zachipatala: Inshuwaransi yaumoyo ndi zopindulitsa sizidzawonjezedwa Mukachoka mā€™dzikolo. Mwachitsanzo, ngati mutalandira inshuwaransi yanu yachipatala kudzera ku Medicare, mudzakhala ndi udindo pa ndalama zonse zachipatala zomwe mumapeza kunja. Ndi chithandizo chamankhwala chadzidzidzi, wothandizira inshuwalansi yaulendo adzakuthandizani kukubwezerani ndalama zilizonse zomwe sizikugwirizana ndi zomwe zinalipo kale.
  • Kuthamangitsidwa Kuchipatala: Ubwino ndi kupezeka kwa chithandizo chamankhwala kumasiyana kwambiri m’mayiko osiyanasiyana. Ngati muli ndi vuto lachipatala ndipo dera lomwe mukupitako silinakonzekere kupereka chisamaliro chokwanira kwanuko, ntchito zothamangitsira mwadzidzidzi zidzakulipirani ndalama zokutengerani kumalo ofunikira.
  • Kuyimitsa ndege: Ngati muyenera kuletsa ulendo wanu mphindi yomaliza, Inshuwaransi Yoletsa Ulendo Idzakulipirani ndalama zotayika. Mwachitsanzo, ngati mutathyoka mwendo musananyamuke ndipo simungathe kupita, inshuwalansi yoletsa ulendo idzakubwezerani ndalama zomwe simungabweze, kuphatikizapo maulendo apandege, malo ogona, ndi maulendo oyendayenda.
  • Kuyimitsa ndege: Chitetezo Chosokoneza Ulendo chimakulipirani ndalama zomwe simunagwiritse ntchito ngati mukuyenera kumaliza ulendo wanu msanga. Zotetezedwa zambiri zosokoneza maulendo zimaphatikizapo kutetezedwa kupitilira mtengo waulendo wanu kuti mulipire ndalama zowonjezera zomwe zimadza chifukwa chochoka kunyumba kapena kumayiko ena mphindi yomaliza.

Werengani zambiri zomwe zalembedwa mu mgwirizano wanu musanalembetse kuti mumve zambiri kuti mudziwe nthawi yomwe muli komanso simunaphimbidwe. Mikhalidwe yeniyeni yomwe ikuyenera kubwezeredwa idzasiyana malinga ndi ndondomeko yomwe mwasankha komanso kampani ya inshuwalansi yoyendayenda yomwe inapereka.

Ngati simukudziwa zomwe zafotokozedwa, funsani woimira kuti mukhale ndi mtendere wamumtima podziwa kuti muli ndi chitetezo chomwe mukufuna. Onetsetsani kuti mwazindikira zopatula zilizonse pa ndondomeko yanu komanso pamene zikugwira ntchito. Chomaliza chomwe mukufuna ndikulipira inshuwaransi, muyenera kugwiritsa ntchito chithandizo chanu, ndipo pokhapo mudzazindikira kuti simungathe kubweza.


Kodi inshuwaransi yandege imawononga ndalama zingati?

Mtengo womwe mudzalipire pa inshuwaransi ya ndege yanu udzasiyana malinga ndi momwe munagulira komanso komwe mudagula. Tiyeni tiwone zitsanzo za mapulani atchuthi ndi zomwe woyenda aliyense angayembekezere kuti alandire inshuwaransi yake.

Kuchokera ku New York City kupita ku Cancun, Mexico

Deta yamitengo yotsatirayi imachokera paulendo wamasiku asanu ndi awiri kuchokera ku New York City kupita ku Cancun, Mexico kwa mlendo m’modzi wazaka 25 zakubadwa.

Mtengo wonse waulendowu udafika pa $5,000, ndipo masiku omwe adagwiritsidwa ntchito anali kuyambira pa Ogasiti 23, 2022, mpaka pa Ogasiti 30, 2022.

Los Angeles kupita ku Tokyo

Mitengo yotsatirayi idatengera ulendo wamasiku 10 kuchokera ku Los Angeles kupita ku Tokyo kwa munthu m’modzi wazaka 35.

Mtengo wonse waulendowu udafika pa $10,000, ndipo masiku omwe adagwiritsidwa ntchito anali kuyambira pa Ogasiti 23, 2022, mpaka Seputembara 2, 2022.


Kodi ndingapeze bwanji inshuwaransi yandege?

Mutha kugula inshuwaransi yandege ndi zida zina zoyendera kuchokera kuzinthu ziwiri zazikulu:

  • Ndege: Mukasungitsa ulendo wanu, ndege nthawi zambiri imakupatsirani mwayi wopangira inshuwaransi yaulendo wanu pamtengo wowonjezera. Iyi ndi njira yokwera mtengo kwambiri yopezera inshuwaransi ya pandege, koma chivundikiro ndi ntchito zothandizira ndizochepa.
  • Makampani a inshuwaransi yapaulendo: Ngati mukuyang’ana chitetezo chokwanira, mutha kugula inshuwaransi yoyendera kudzera m’modzi mwa mabungwe akuluakulu a inshuwaransi mdziko muno. Inshuwaransi yapaulendo nthawi zambiri imaphatikizapo inshuwaransi yandege ngati chinthu chothandizira komanso chitha kukhala ndi zitsimikizo zamabilu azachipatala, kuchedwa kwa katundu, ndi zina zambiri.

Pomaliza: Kodi Inshuwaransi Ya ndege Ndi Yofunika?

Poganizira za kufalitsa zomwe zili zoyenera kwa inu, lingalirani kuchuluka kwa bajeti yanu yonse yatchuthi yomwe idagwiritsidwa ntchito paulendo wanu. Ngati mtengo waulendo wanu ndi gawo lofunikira kwambiri paulendo wanu, inshuwaransi yaulendo wanu ikhoza kukupatsani njira yotsika mtengo kuposa inshuwaransi yokwanira yoyendera.

Komabe, ngati mwawononga madola masauzande ambiri pamtengo wosabwezeredwa paulendo wosiyana ndi wanu, mungafune kugula inshuwaransi yoyendera yomwe imabwera ndi chitetezo chowonjezera. Ngakhale simukutsimikiza ngati inshuwaransi yandege ndi yoyenera kwa inu, onetsetsani kuti mwapeza ndalama zothandizira kufalitsa osachepera milungu iwiri musanayende. Inshuwaransi ya ndege ikhoza kukhala yotsika mtengo kuposa momwe mukuganizira.


Mafunso Ofunsidwa Kawirikawiri Okhudza Inshuwaransi Ya ndege

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