Zosankha zanu zabwino zogona zapakhomo, zamayiko, ndi zapamwamba
Zikondwerero-patatha zaka zopulumutsa ndikukonzekera, mwatsimikiza kuti mutenge ulendo wa moyo wanu wonse. Posakhalitsa, mutha kukwera ndege, kufufuza mu hotelo ndikudutsa zomwe mukuchita pa ndandanda yanu ya ndowa.
Kutsegula ulendo wanu ndi sitepe yaikulu, koma kodi mwalingalira zomwe zingachitike ngati chinachake chikulakwika?
Zonse zimatengera kuthawa kwina , kutengera katundu kapena ngozi ya galimoto kuti iwononge ulendo wanu wonse. Zotsatira zake, mungathe kutaya ndalama chifukwa chosowa chithandizo, zipinda za hotelo chifukwa cha kuchedwa, kapena maulendo omwe simunalipireko omwe simungabwezeretse tikiti yatsopano. Zitatha izi, mungaganizire inshuwalansi yaulendo, koma mwatsoka ndichedwa kuti mubwererenso nthawi ndi kuwonjezera pa ulendo wanu.
Musanayambe ulendo wanu wotsatira, mungathe kugula inshuwalansi yaulendo nthawi yomweyo. Ndi makampani onse a inshuwalansi kunja uko akupereka "njira yabwino kwambiri yothandizira inshuwalansi," kodi mungakhulupirire ndani? Pambuyo poyang'ana ndondomeko zazikulu kunja uko, izi ndi njira zabwino kwambiri zothandizira inshuwalansi zaulendo zomwe tapeza pa mtundu uliwonse wa tchuthi: kwa iwo omwe amapita kutali ndi dzikoli ndi omwe amapita kumadera osiyanasiyana padziko lapansi.
01 ya 05
Zabwino Kwambiri Kuyenda Kwawo: Berkshire Hathaway Travel Protection
BHTP Ponena za ulendo wothamangitsidwa kapena kutayidwa katundu, palibe chomwe chimangokhala kulipira pazinthu zanu mofulumira. Berkshire Hathaway Travel Protection (BHTP) imapereka izi kwa alendo: ngati ulendo wanu upita haywire mofulumira, mukhoza kulandira malipiro mofulumira.
Yomangidwa kwa woyenda wodalirika, imodzi mwa zinthu zawo zotchuka kwambiri ndi AirCare. Kuyambira pa $ 34 kuti muziyenda panyumba, ndondomeko iyi ya inshuwalansi ingayang'ane maulendo anu ndipo imangopereka madandaulo anu m'malo mwa kuchedwa, kuchotsedwa, kapena kusokonezeka kwanu. Kwa iwo omwe amafunikira zolemba zina (monga kutayika kwa katundu), kutumiza zolemba kumakhala kophweka ngati kutenga chithunzi pa smartphone yanu ndi kuchiyika icho pa chiyero chanu.
Ngati kuthawa kwanu kukuchotseratu, mukhoza kulandira madola 150 okha. Ngati mumagwiritsa ntchito maola oposa awiri, mutha kufika pa $ 1,000 phindu. Ndipo ngati matumba anu sakufika ku bwalo la ndege, mukhoza kufika $ 500 paulendo kuti mukabwezere zinthu zina. Kodi kulipira kulipira mofulumira motani? Malingana ndi BHTP Malipiro ofulumira pazovomerezeka pamene kalata ya debit kapena njira ina ya EFT imasankhidwa monga njira yoperekera-koma potsiriza zimadalira momwe mwamsanga banki yanu imalandirira ndalama.
02 ya 05
Njira Yabwino Yoyendera Padziko Lonse: Inshuwalansi Yoyendetsa APRIL
APRIL International Ngati mukukonzekera kupita kunja, palibe chokhumudwitsa kuposa kungokumbukira kumene mapepala anu onse ali, komanso kukumbukira momwe mungayankhire. Apa ndi pamene APRIL Travel Insurance imaposa zowonjezera: foni imodzi, ndipo chiyero chanu chatha kale.
Ndili ndi maofesi m'mayiko opitirira 100, APRIL imapereka "Zopindulitsa Zopanikizika" kulikonse komwe muli padziko lapansi. Ngati mukukumana ndi zochitikazo, zonse muyenera kuchita ndikuitana, kutumiza mauthenga kapena e-mail, kapena Skype kuchokera ku hotelo yanu kuti muyambe kukonza. Gulu lawo liyamba kuyendetsa malonda anu ndikuonetsetsa kuti ndege zanu zatsopano, zipinda zamakono ndi maulendo a dokotala akuphimbidwa.
Ngakhale kampani ikupereka zigawo zambiri za inshuwaransi, imodzi mwa mapepala awo otchuka kwambiri ndi Economy Plan. Pansi pa ndondomeko iyi, oyendayenda akuphimbidwa kuti apulumuke kapena kusokonezeka, zochitika zokhudzana ndi mphepo yamkuntho, zachigawenga, ndi ulendo waulendo.
03 a 05
Zabwino Kwambiri Malo Otsogola: AXA Assistance USA
AXA Imodzi mwa inshuwalansi yakale kwambiri komanso yambiri ya makampani padziko lonse, AXA Assistance USA imapanga njira yochuluka ya inshuwalansi yoyendayenda yopita kuulendo wodalirika amene apereka ndalama zonse paulendo wawo. Ziribe kanthu, AXA Assistance USA ili ndi ndondomeko ya inshuwalansi yomwe ingathandize.
Pansi pa pulani yawo ya Platinum, apaulendo ali ndi inshuwalansi motsutsa ngakhale zovuta kwambiri, kuphatikizapo zonyamulira ndalama zowonongeka, ntchito yothetsa ntchito, ndi zina zambiri. Ndondomekoyi imabweretsanso njira zina zogula zomwe zingakhalepo, kuphatikizapo Koperani Chifukwa Chake Inshuwalansi , ndi Kuletsera Inshuwalansi Za Ntchito.
Komabe, kuti agwiritse ntchito mwayi umenewu, oyendayenda amafunika kufulumira kugula inshuwalansi yawo. Kuti afotokoze ndalama, oyendayenda amafunika kulipira inshuwalansi yoyamba mkati mwa masiku 14 akusunga mbali zoyamba za ulendo wawo. Mofanana ndi maulendo ambiri a inshuwalansi, kanizani chifukwa china chilichonse-chomwe chimapangitsa apaulendo kuti adzalandire ndalama zochuluka zaulendo wawo ngati atsegula chifukwa chodziwika bwino-ndi mankhwala owonjezera.
04 ya 05
Zabwino Kwambiri ku Maiko Oopsa: IMG Global
Tsoka ilo, dziko lingakhale malo owopsa kwa woyenda wosadziwika. Kuchokera kuopseza chauchigawenga, kuzimene zimayambitsa imfa kunja ( zomwe siziphatikizapo sharks ), kuopsya kwa matenda ndi kuvulala nthawi zonse kulipo paulendo.
Kwa omwe angakhale ndi inshuwalansi yaulendo pa makadi awo a ngongole koma akufuna kuwonjezera thandizo lachipatala, IMG Global imapereka mankhwala okhawo. Pogwiritsa ntchito mtengo wotsika mtengo, maulendo awo a inshuwalansi amapereka chiwopsezo chachikulu cha chithandizo chachipatala, chisamaliro chisanafikepo, ndi kuchotsedwa kwachipatala.
Zovuta kwambiri, maulendo a inshuwalansi oyendayenda samapereka china chilichonse kuposa chithandizo chamankhwala. Mu ndondomeko yawo yoyamba ya Patriot Travel Medical inshuwalansi, palibe njira yowonetsera ulendo, ulendo wa kuchedwa, kapena kuphatikizana. Onetsetsani kuti mumvetsetse zonse zomwe muli nazo inshuwalansi yoyendayenda musanasankhe kugula mankhwalawa.
05 ya 05
Inshuwalansi Yopambana ya Kuchiza Medical: Global Guardian Air Ambulansi
Global Guardian Pazochitika zosayembekezereka muyenera kupeza malo amtundu wa ambulansi, kupeza imodzi ikhoza kugula mtengo. Malingana ndi komwe muli, kuchotsedwa kwachipatala kungawononge madola 10,000 , pamwamba pa chithandizo chamankhwala ndi kayendetsedwe ka pansi.
Inshuwalansi ya Air Guardian Air Ambulance imapereka chithandizo kwa apaulendo omwe makamaka akudandaula za kubwerera kwawo pambuyo pangozi. Akapita ku chipatala chomwe chili pamtunda wa makilomita oposa 150 kuchokera ku nyumba yawo yoyamba, Ambulance Air Global Airway imapereka thandizo lachipatala kubwerera ku United States kapena Canada. Mapulani awo a inshuwalansi amapezeka kwa miyezi sikisi kapena chaka chimodzi.
Mofanana ndi zinthu zina zamankhwala, palibe njira zina zowonjezera zoperekedwa pamodzi ndi dongosolo lino. Chotsatira ndi chakuti oyendayenda amatha kulandira maulendo awiri apakati pa zamagetsi pamwezi, mosasamala kanthu za mtengo wake wonse.