Inshuwaransi yaulendo wanu imatha kukupulumutsirani ndalama ngati china chake sichikuyenda bwino.  / Ngongole: Levente Bodo / Getty Images

Momwe inshuwalansi yapaulendo ingakutetezereni

Inshuwaransi yaulendo wanu imatha kukupulumutsirani ndalama ngati china chake sichikuyenda bwino. / Ngongole: Levente Bodo / Getty Images

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 galimoto inshuwalansiKomabe, 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. Gulani ndege musananyamuke. 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 inshuwalansi idzafuna umboni wa kutayika kwanu kapena ndalama zanu musanavomereze zomwe mukufuna, ndipo ndibwino kuti mudziwe zomwe inshuwalansi yanu yamakono (monga inshuwalansi ya umoyo, nyumba, ndi galimoto) imaphimba. 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 yapaulendo 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 zolinga zanu, ndi bwino kufufuza bwinobwino ndi kuyerekeza inshuwalansi ulendo ndi zimene chimakwirira pamaso pa 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:

Kuletsa Ulendo: Izi zimalipira ndalama zaulendo 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 pa ndondomekoyi. Kusokoneza Ndege: Izi zitha kulipira ndalama zolipiriratu zoyendera ngati mukufunika kuthamangitsa ndege yanu isanakwane chifukwa inu kapena wokondedwa wanu wadwala, wamwalira kapena zosokoneza zina zomwe zikuphatikizidwa ndi ndondomeko zomwe zimatha kuyambira kuwonongeka kwa ndege kupita ku masoka achilengedwe. Kuchedwerako Paulendo: Izi zimachepetsa ndalama zomwe mumayendera ngati kuchedwa kukutanthauza kuti muphonya ndege yanu. inshuwalansi. Ndondomeko za CFAR zimakonda kubwezera 50% mpaka 75% ya mtengo wonse waulendo wanu (nthawi zina zochepa). Ulendo Waumoyo: Iyi ndi ndondomeko kuwonjezera pa inshuwaransi yanu yaumoyo yomwe ilipo yomwe ingakhale yothandiza makamaka ngati mukupita kunja. Medicare ndi mapulani ambiri a inshuwaransi yaku US samakulipirani kunja kwa boma. Kusamutsidwa Kuchipatala: Izi zimapereka ndalama zokhudzana ndi kukunyamulirani pakagwa ngozi yachipatala kupita ku chipatala chovomerezeka. Makampani ambiri a inshuwaransi yazaumoyo ku US salipira zoyendera kupita kudziko kuchokera kunja.

Ndi mitundu yambiri ya inshuwalansi yaulendo yomwe mungasankhe, ikhoza kusokoneza mwamsanga. 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:

Kuyimitsa kapena kuyimitsidwa chifukwa cha matenda kapena kuvulala Tsoka lachilengedwe lomwe limalepheretsa kapena kusokoneza ndege yanu Mabungwe a ndege kapena kuwonongeka kwa mayendedwe Kutayika kwa katundu ndi kuwonongeka kwa galimoto Kodi inshuwaransi yapaulendo siyipereka chiyani?

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

Masoka ena achilengedwe Matenda ena kapena ngozi zadzidzidzi Zochitika zina monga nkhondo kapena uchigawenga Mikhalidwe yomwe inalipo kale nthawi zina Mimba ndi kubereka Zowopsa monga kuuluka mumlengalenga kapena kusefukira mosasamala Mliri/mliri wodziwika 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.

Zionetsero zidabuka mdziko lonse la Iran pambuyo pa imfa ya Mahsa Amini

Mnyamata wochokera ku viral ‘horrible sandwich’ kanema akubwezera ana osowa

Kusonkhanitsa pang’ono kwa Vladimir Putin kwa asitikali aku Russia kudadzetsa mkwiyo

Leave a Comment

Your email address will not be published.