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Inshuwaransi Yoyenda: Momwe Imagwirira Ntchito ndi Zomwe Imawononga

Inshuwaransi yaulendo wanu imatha kukupulumutsirani ndalama ngati china chake sichikuyenda bwino.

Zithunzi za Levente Bodo / Getty


Pamene anthu aku America ambiri akutuluka ku mliri wa COVID-19 ndikuyamba kuyenda, mwina mukukonzekera tchuthi chanu. Popeza kuchedwa, glitches, kuletsa – komanso nkhani zatsopano zachipatala – zikuwoneka zofala kwambiri kuposa kale, mutha kuganiziranso inshuwaransi yapaulendo.

Ngakhale inshuwaransi yaulendo monga kunyumba kapena sikofunikira inshuwaransi yamagalimotoKomabe, kugula inshuwalansi musananyamuke kungakuthandizeni kuti musataye zambiri kapena ndalama zonse zimene munapatula pa ulendowo. Izi zitha kukhala zinthu monga matikiti a ndege, kubwereketsa magalimoto, mahotela, ngakhale maulendo okwera mtengo.

Mitundu yosiyanasiyana ya inshuwaransi yazachipatala yoyenda imatha kukutetezani kuti musawononge ndalama mukasiya ndege chifukwa cha matenda, zadzidzidzi mukamayenda, kapena ngakhale mutamwalira muli kutali ndi kwanu. Ngati ndinu wapaulendo wapadziko lonse lapansi, inshuwaransi yazaumoyo yapaulendo ingakhale yofunika kwambiri kapena mutha kukhala ndi udindo pa mtengo wonse wazinthu zilizonse zokhudzana ndi ngozi yachipatala kapena ngozi yosayembekezereka muli kunja.

Akatswiri amalangiza Funsani katswiri wothandizira kapena mlangizi wazachuma yemwe amadziwa inshuwaransi yapaulendo chifukwa ndondomeko (ndi mitengo) zimatha kusiyana kwambiri. kugula mozungulira M’mbuyomu ulendo wanu. Zosavuta kuyamba.

Kodi inshuwaransi yoyenda imagwira ntchito bwanji?

Nthawi zambiri, inshuwaransi yapaulendo imakubwezerani ndalama zomwe zawonongedwa ndi ndondomeko yanu mukangopereka zomwe mukufuna ndipo zavomerezedwa ndi kampani ya inshuwaransi. Kampani ya inshuwaransi idzafuna umboni wa kutayika kwanu kapena ndalama zanu musanavomereze zomwe mukufuna.

Ndibwino kudziwa zomwe inshuwaransi yanu yamakono (monga yaumoyo, nyumba, ndi inshuwaransi yamagalimoto) imaphimbadi. Makampani ena oyendetsa ndege ndi makampani ena oyendayenda, monga makampani oyendetsa maulendo ndi maulendo, amapereka zomwe zimatchedwa “kuchotsa kuchotsedwa.” Iyi si inshuwaransi yapaulendo ndipo nthawi zambiri samayendetsedwa ndi akuluakulu a inshuwaransi ya boma.

Ndizofunikiranso kudziwa kuti malamulo a federal ku US amalamula kuti ogula ali ndi ufulu wobweza ndalama zonse ngati ndege yawo yaletsedwa kapena kuchedwa kwambiri.

Kodi inshuwaransi yoyenda imawononga ndalama zingati?

Inshuwaransi yoyenda nthawi zambiri imakhala ndi 4% mpaka 8% yaulendo wanu wonse, malinga ndi American Travel Insurance Association (UStiA).

Mwachitsanzo, paulendo womwe umawononga $2000, ndondomekoyi idzatenga $80 mpaka $160. Mitengo imasiyanasiyana malinga ndi kutalika ndi kopita kwa ndegeyo komanso zaka za wapaulendo. Ndondomeko za CFAR zimawononga ndalama zosachepera 50% kuposa ndondomeko zina, malinga ndi National Association of Insurance Commissioners.

Chidziwitso chimodzi: Inshuwaransi yapaulendo nthawi zambiri imaperekedwa ngati chowonjezera ndi ntchito ina. Nthawi zambiri awa amakhala ochita kukampani imodzi yomwe mwina ilibe mtengo wabwino kwambiri kapena kuphimba, chifukwa chake gulani musanadina batani logula.

Kaya mapulani anu ali otani, ndi lingaliro labwino kufufuza mozama ndikuyerekeza inshuwaransi yapaulendo ndi zomwe imakhudza M’mbuyomu Ulendo wanu, osati kamodzi inu muli pa msewu.

Kodi mitundu yosiyanasiyana ya inshuwaransi yapaulendo ndi yotani?

Pali mitundu ingapo ya inshuwaransi yapaulendo. Zofala kwambiri ndi:

  • Kuyimitsa ndege: Izi zimalipira mtengo waulendo ngati muyenera kusiya chifukwa cha matenda, imfa ya banja kapena zifukwa zina zotchulidwa mu ndondomekoyi. Ndondomeko zina zikuphatikizapo masoka achilengedwe kunyumba kapena kumene mukufuna kupita, kapena udindo walamulo monga jury duty. Musanagule, fufuzani zomwe zili mu ndondomekoyi.
  • Kuyimitsa ndege: Izi zitha kulipira zolipirira zolipiriratu ngati mukufuna kutsiriza ulendo wanu nthawi yake isanakwane chifukwa inu kapena wokondedwa wanu wadwala, wamwalira, kapena zosokoneza zina zomwe zimatha kuyambira kumenyedwa kwandege mpaka masoka achilengedwe.
  • kuchedwa kwaulendo: Izi zimakubwezerani ndalama zolipiriratu ngati kuchedwa kukutanthauza kuti muphonya ndege yanu.
  • Kuletsa pazifukwa zilizonse (CFAR): Ngakhale chifukwa chake sichinthu, CFAR nthawi zambiri ndi inshuwaransi yokwera mtengo kwambiri. Ndondomeko za CFAR zimakonda kubwezera 50% mpaka 75% ya mtengo wonse waulendo wanu (nthawi zina zochepa).
  • umoyo wapaulendo: Iyi ndi ndondomeko yomwe imawonjezeredwa ku inshuwaransi yanu yaumoyo yomwe ilipo ndipo ingakhale yothandiza makamaka ngati mukupita kunja. Medicare komanso mapulani ambiri a inshuwaransi yazaumoyo aku US omwe ali kunja kwa boma samakulipirani.
  • Kuthamangitsidwa Kuchipatala: Izi zimapereka ndalama zokakunyamulirani pakagwa tsoka lachipatala kupita ku chipatala chovomerezeka. Makampani ambiri a inshuwaransi yazaumoyo ku US salipira zoyendera kupita kudziko kuchokera kunja.

Ndi mitundu yambiri ya inshuwaransi yaulendo yomwe mungasankhe, imatha kukhala yovuta kwambiri. Lankhulani ndi katswiri wa inshuwaransi yoyenda lero yemwe angakuthandizeni kukutsogolerani.

Kodi inshuwaransi yapaulendo imakhala yotani?

Kumbukirani kuyang’ana ndondomeko yanu kuti muwonetsetse kuti ikukhudzana ndi zomwe mukufuna chifukwa ndondomeko zimasiyana kwambiri. Kufikira komwe kungaphatikizepo:

  • Kuletsa kapena kusokonezedwa chifukwa cha matenda kapena kuvulala
  • Tsoka lachilengedwe lomwe limalepheretsa kapena kuyimitsa kuthawa kwanu
  • Kunyanyala kwa ndege kapena zoyendera
  • Kutayika kwa katundu ndi kuwonongeka kwa magalimoto obwereka

Ndi chiyani chomwe sichilipidwa ndi inshuwaransi yapaulendo?

Inshuwaransi yapaulendo sichimakhudza zochitika zilizonse zosayembekezereka – choncho yang’anani ndondomeko yanu mosamala. Kukhululukidwa uku kungaphatikizepo, koma sikungokhala:

  • Masoka ena achilengedwe
  • Matenda ena kapena zovuta zachipatala
  • Zochitika zina monga nkhondo kapena uchigawenga
  • Zaumoyo zomwe zinalipo kale nthawi zina
  • Mimba ndi Kubadwa
  • Zochita zowopsa monga skydiving kapena skiing mosasamala
  • Odziwika mliri/mliri
  • Kuopa kutenga COVID-19

Ngati muli ndi mafunso owonjezera okhudza inshuwaransi yapaulendo, lingalirani kulankhula ndi katswiri yemwe angakuthandizeni. Atha kukuthandizani kupeza inshuwaransi yabwino kwambiri paulendo wanu.

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