Zosankha 5 zapamwamba za 2022

Pali zifukwa zambiri zogulira inshuwaransi yaulendo musanapite ulendo wofunikira, koma chachikulu ndikuteteza ndalama zanu ku “what if” m’moyo. Ndondomeko yochokera ku imodzi mwamakampani abwino kwambiri a inshuwaransi yoyenda ingakutetezeni pazachuma ngati ndege yanu yathetsedwa kapena yafupikitsidwa pazifukwa zobisika, kapena ngati matumba anu akuchedwa kapena kutayika ndi ndege yanu. Zitetezero zina za inshuwaransi yapaulendo, monga chithandizo chadzidzidzi chamankhwala ndi mano, zingakuthandizeni kupeza chisamaliro chofunikira ngati mwavulala kapena kuvulala mutakhala kutali ndi kwanu.

Pali zowonjezera zina zambiri zomwe zimabwera ndi inshuwaransi zambiri zapaulendo, kuphatikiza zina zomwe mungawonjezere ku ndondomeko yanu pamtengo wowonjezera. Chimodzi mwazowonjezerazi chimatchedwa “Kuletsa Chifukwa Chilichonse” kapena CFAR. Ndi Ndondomeko Yathu Yoletsa Chifukwa Chilichonse, mutha kuletsa ulendo wanu pazifukwa zilizonse pomwe mukubweza ndalama zomwe munalipirira kale (nthawi zambiri mpaka 50% -75% ya zomwe mudalipira kale).

Komabe, si makampani onse omwe amapereka chithandizochi, ndipo zotetezedwa za CFAR zimasiyana mosiyanasiyana kwa omwe amapereka inshuwaransi yoyenda. Werengani kuti mudziwe zamakampani abwino kwambiri a inshuwaransi yoyenda omwe amapereka chithandizo cha CFAR komanso mfundo zazikuluzikulu zomwe muyenera kudziwa. Pitani ku FAQ yathu kuti mupeze mayankho a mafunso omwe amafunsidwa pafupipafupi okhudza inshuwaransi yaulendo ya CFAR.

Kuyimitsidwa Kwapamwamba 5 Pazifukwa Zilizonse Zopangira Inshuwaransi Yoyenda mu 2022

CFA Reimbursement Level

Tsiku Lomaliza Ntchito la CFA

Alangizidwe dongosolo mtundu

Mphamvu yachuma ndi AM Best

Travelex Inshuwalansi Services

mpaka 50%

Pasanathe masiku 15 kuchokera gawo loyamba

Travelex Travel Select Plan

A++

ngodya zisanu ndi ziwiri

mpaka 75%

Pakadutsa masiku 20 kuchokera kusungitsa koyamba

Chitetezo chaulendo wobwerera

a

IMG Travel Insurance

mpaka 75%

Pakadutsa masiku 20 kuchokera kusungitsa koyamba

iTravelInsured Travel LX

a-

Thandizo la AXA USA

mpaka 75%

Pasanathe masiku 14 kuchokera kusungitsa koyamba

AXA Platinum Plan

A +

Squaremouth

Zimasiyanasiyana malinga ndi dongosolo

Zimasiyanasiyana malinga ndi dongosolo

Mitundu yamapulani angapo

Zimasiyanasiyana ndi kampani

Travelex Inshuwalansi Services

Zabwino:

  • Ndege ikhoza kuyimitsidwa mpaka maola 48 isananyamuke
  • Mapulani ambiri oyenda amaphatikizanso nkhani za COVID-19

Zoyipa:

  • Bweretsani mpaka 50% ya ndalama zolipiriratu zoyendera
  • Kuphunzira kwa CFAR kumangopezeka ndi mapulani osankhidwa

Travelex ndi kampani ya inshuwaransi yovomerezeka kwambiri yomwe imakulolani kuti muwonjezere chithandizo cha CFAR ku dongosolo lanu la Travel Select pamtengo wowonjezera. Dongosolo la inshuwaransi yapaulendoli limabwera ndi ndalama zokwana $50,000 zolipirira chithandizo chadzidzidzi, ndipo ana azaka 17 ndi ocheperapo amalipidwa okha. Zitetezero zina zoperekedwa mu pulaniyi ndi monga kuletsa maulendo ndi kusokonezedwa, kutetezedwa kuchedwa kwa ndege, chitetezo chapadera pama foni omwe mudaphonya, inshuwaransi ya katundu ndi zina.

Pankhani ya CFAR yoperekedwa kudzera ku Travelex, ogula akuyenera kugula chitetezo ichi pasanathe masiku 15 kuchokera pomwe adalandira ndege. Kuchokera kumeneko, ali ndi ufulu woletsa ndege yawo pazifukwa zilizonse mkati mwa maola 48 asananyamuke. Ngati aletsa, amapeza 50% ya ndalama zolipiriratu zoyendera (ganizirani: ndalama zoyendera ndege, malo ogona kuhotelo, ndi zina zotero) atabweza ngongoleyo.

ngodya zisanu ndi ziwiri

Zabwino:

  • Amapereka chipukuta misozi mpaka 75% ya ndalama zolipiriratu zoyendera
  • Itha kugulidwa mkati mwa masiku 20 kuchokera pamalipiro oyamba aulendo

Zoyipa:

  • Kuphunzira kwa CFAR sikupezeka ndi mapulani onse

Seven Corners ndi kampani ina yapamwamba ya inshuwaransi yoyenda kuti muganizire ngati mukukonzekera ulendo ndipo mukufuna mwayi woletsa pazifukwa zilizonse. Kampaniyi imapereka chithandizo cha CFAR monga chowonjezera pa mapulani awo oteteza maulendo obwerera, zomwe zimaphatikizapo pafupifupi mitundu yonse ya inshuwaransi yaulendo yomwe mungayembekezere. Mwachitsanzo, chitetezo cha maulendo obwera ndi kubwera chimabwera ndi chitetezo cha maulendo a COVID-19, kuletsa maulendo ndi inshuwaransi yododometsa, inshuwaransi yochedwa kuyenda, ndi mitundu yosiyanasiyana ya inshuwaransi ya katundu. Makasitomala amapezanso chitetezo chachipatala chadzidzidzi komanso chithandizo chamankhwala chadzidzidzi komanso kuperekedwa mpaka $ 250,000 kuti atulutsidwe kuchipatala ndikubweza zotsalira, zomwe zitha kukhala zofunika paulendo wapadziko lonse lapansi.

Zikafika pa kuphimba kwa CFAR kuchokera ku Seven Corners, muli ndi masiku athunthu 20 kuti mugule chitetezochi mutapanga gawo lanu loyamba la ndege. Makasitomala amathanso kubweza ndalama zokwana 75% zaulendo wawo wolipiriratu ndi chitetezo ichi, ngakhale akuyenera kuletsa ndege yawo pasanathe masiku awiri tsiku lonyamuka lisanafike.

IMG Travel Insurance

Zabwino:

  • Kuphimba kwa CFAR kungagulidwe ngati chowonjezera ndi dongosolo la iTravelInsured Travel LX
  • Pezani mpaka 75% pamtengo wonse wa zolipirira zolipiriratu
  • Kuphimba kwa CFAR kumatha kugulidwa mpaka masiku 20 mutangotumiza koyamba

Zoyipa:

  • Kuphimba kwa CFAR sikugwira ntchito ngati wogulitsa maulendo asiya kugwira ntchito kapena akukana kupereka chithandizo

IMG imapereka chithandizo cha CFAR ngati chowonjezera ndi dongosolo la iTravelInsured Travel LX. Dongosolo lolimba la inshuwaransi yapaulendoli limaphatikizanso chithandizo cha kuletsa maulendo ndi kusokonezedwa, inshuwaransi yochedwetsa ndege, kulipiritsa mpaka $ 1 miliyoni kuti atulutsidwe mwadzidzidzi ndi kubweza zotsalira ndi zina zambiri.

Makasitomala atha kuwonjezera kuphimba kwa CFAR ngati chinthu chosankha, chomwe chingapangitse kubweza mpaka 75% pamitengo yolipiriratu. Komabe, chithandizochi chiyenera kugulidwa pasanathe masiku 20 kuchokera pomwe ndegeyo idasungidwira, ndipo ndegeyo iyenera kuyimitsidwa osachepera masiku awiri tsiku lonyamuka lisanafike.

Thandizo la AXA USA

Zabwino:

  • Bwezerani mpaka 75% ya zolipirira zanu zolipiriratu mukaletsa pazifukwa zilizonse
  • 10 Days Back Money Guarantee

Zoyipa:

  • Kuphunzira kwa CFAR sikupezeka ndi dongosolo lililonse
  • Kuphimba kwa CFAR kuyenera kugulidwa pasanathe masiku 14 kuchokera pagawo loyamba la ndege

AXA Assistance USA ikupereka kuletsa pazifukwa zilizonse pansi pa dongosolo la AXA Platinum. Dongosololi limabwera ndi zopindulitsa monga kuletsa ulendo ndi kusokonezedwa, kuyitanitsa maulendo ochedwetsa, kuyimbira foni yomwe mwaphonya, chithandizo chachipatala chadzidzidzi, komanso chitetezo pakusamuka kwachipatala komanso komwe sikunali kuchipatala. Mtengowu ukuphatikizanso katundu ndi katundu wamunthu.

Makasitomala atha kuwonjezera njira yobwereketsa galimoto ku pulani iyi, kuwonjezera pa kuphimba kwa CFAR bola ngati idagulidwa pasanathe masiku 14 kuchokera paulendo woyamba. Chitetezochi chikhoza kupereka ndalama zokwana 75% zolipiriratu zoyendera ngati ndegeyo ikufunika kuyimitsidwa pazifukwa zomwe sizinafotokozedwe chifukwa cha kuletsedwa kwa Ulendo komanso kusokonezedwa kwa dongosololi.

Squaremouth

Zabwino:

  • Fananizani mapulani angapo ndi kufalikira kwa CFAR pamalo amodzi
  • Chida chofananitsa chimapangitsa kukhala kosavuta kugula mitengo

Zoyipa:

  • CFAR ndi malipiro osindikizira amasiyana malinga ndi kampani

Squaremouth ndi tsamba lofananiza lomwe limakupatsani mwayi wowona momwe mapulani a inshuwaransi yoyendera kuchokera kwa othandizira angapo amakhazikika. Izi zikutanthauza kuti muli ndi mwayi wofananiza ndondomeko ndi zofunikira za CFAR pakati pa makampani angapo a inshuwalansi apaulendo nthawi imodzi, kukulolani kuti mugule mozungulira kuti mugulitse bwino.

Ngakhale kugwiritsa ntchito chida chofananira kungakhale kothandiza, choyipa chachikulu ndichakuti muyenera kuwerenga mfundo zingapo ndikuyerekeza njira zowunikira za CFAR pazolinga zonse zomwe mukuziganizira. Mukatero, muyenera kuwonetsetsa kuti mukudziwa kuti mubweza ndalama zingati ngati mutasiya ndege yanu. Komanso dziwani kuchuluka kwa masiku omwe muyenera kugula izi mutatha kusungitsa ndege yanu yoyamba, komanso kuchuluka kwa nthawi yomwe muyenera kuletsa maulendo anu tsiku lonyamuka lisanakwane.

Kodi inshuwaransi yapaulendo imathetsedwa bwanji pazifukwa zilizonse?

Kuyimitsa pazifukwa zilizonse nthawi zambiri kumaperekedwa ngati chowonjezera pamalingaliro a inshuwaransi yoyendera. Izi zikutanthauza kuti simudzagula CFAR yokha, koma mugule ngati gawo la ndondomeko ya inshuwaransi yoyendayenda m’malo mwake.

Kuletsa pazifukwa zilizonse ndi nthawi yovuta kwambiri. Mapulani ambiri a CFAR amayenera kugulidwa mkati mwa masiku 14 mpaka 20 kuchokera paulendo wanu woyamba waulendo, ndipo nthawi zambiri mumakhala ndi ufulu woletsa mkati mwa maola 48 kapena masiku awiri tsiku lonyamuka lisanafike. Kuchokera kumeneko, ogula omwe asiya ulendo wawo pazifukwa zilizonse amatha kubwezeredwa mpaka 50% mpaka 75% ya ndalama zomwe amalipira kale.

Chitetezo pakuletsa pazifukwa zilizonse nthawi zambiri chimaperekedwa kwa munthu aliyense, zomwe zikutanthauza kuti chimagwira ntchito kwa munthu aliyense wolembedwa pa inshuwaransi yaulendo. Kuphimba komweko sikubwezeredwanso, zomwe zikutanthauza kuti ngakhale mudzalandira peresenti ya mtengo waulendo wanu, simudzabwezeredwa pamtengo wa CFAR.

Ngati mwaganiza zogula chitetezo cha CFAR patchuthi chanu chotsatira, muyenera kuwerenga zolembedwa bwino za dongosolo lomwe mukuliganizira pasadakhale. Kuchita zimenezi kungakuthandizeni kudziwa ngati pali malamulo ena okhudza ndondomeko yanu, monga malamulo okhudza zinthu zomwe zinalipo kale, zilango zaulendo, ndi zina.

Kodi kuletsa pazifukwa zilizonse kumawononga ndalama zingati?

Mtengo wa chithandizo cha CFAR udzadalira kampani ya inshuwaransi yaulendo yomwe mwasankha, mtengo wonse wakukonzekera ulendo wanu, kuchuluka kwa achibale ndi omwe si a m’banja omwe mumasankha kuti mutsimikizire ndi zina.

Komabe, Squaremouth inanena kuti kuwonjezera chithandizo cha CFAR ku inshuwaransi yaulendo kumatha kukulitsa ndalamazo ndi 40% mpaka 50%. Izi zikutanthauza kuti inshuwaransi yapaulendo yomwe nthawi zambiri imawononga $200 ikhoza kukubwezerani $280 mpaka $300 ndikuwonjezedwa kwa CFAR.

Kodi ndingaletsedi ulendo wanga wa pandege pazifukwa zilizonse?

Kuphimba kwa CFAR kumakupatsani mwayi woletsa ulendo wanu ndikupeza chipukuta misozi pazifukwa zilizonse, ngakhale mutasankha kukhala kunyumba.

Kodi ndingagwiritse ntchito njira yoletsa kuthawa pazifukwa zilizonse kuletsa ndege yanga chifukwa cha COVID-19?

Ngati mukuda nkhawa ndi momwe COVID-19 ingakhudzire mapulani anu oyenda, mutha kugula inshuwaransi yapaulendo yomwe imaphatikizanso chithandizo cha COVID-19. Komabe, kuletsa chitetezo pazifukwa zilizonse kungakhale ndalama zabwino, makamaka ngati mukufuna kuletsa chifukwa chosafuna kuyenda mphindi yomaliza chifukwa cha mliri wa coronavirus.

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