Makona Asanu Akuyenda Inshuwalansi: Complete Guide

Musanagule ndondomeko ya Makona asanu ndi awiri, onetsetsani zonse zomwe mungasankhe.

Kuchokera ku dera la Indianapolis ku Karimeli, Indiana, Makona asanu ndi awiri anayamba bizinesi monga Specialty Risk International mu 1993 ndi Jim Krampen ndi Justin Tysdal omwe ndi a inshuwalansi. Kampaniyo idasintha dzina lawo ku Mizinda Isanu ndi Iwiri - mwina kutanthawuza ku makontinenti asanu ndi awiri a padziko lapansi, kapena nyanja zisanu ndi ziwiri za dziko. Lero, kampaniyo ikufotokoza ntchito yawo monga kupereka "inshuwalansi yatsopano komanso yoganiza bwino komanso njira zopindulitsa pogwiritsa ntchito njira zowakomera, zokhudzana ndi makasitomale." Kampaniyi imayendetsa maulendo apadziko lonse kupita ku United States, omwe akuchoka ku United States kukachezera mayiko ena, malonda, maboma , komanso amapereka mankhwala awo kudzera mu gulu la antchito.

Kuchokera ku zopereka zawo zokhazokha mu 1993, kampaniyi tsopano ikupereka zinthu zambiri ndi mautumiki kwa alendo padziko lonse lapansi. Kampaniyo imaperekanso mapulani ndi mapulogalamu a boma, amagwira ntchito monga woyang'anira wotsogolera, ndipo amapereka namwino kuyesa, 24/7 thandizo lokayenda, ndi ntchito zothandizira odwala.

Kodi Zingono Zisanu ndi ziwiri zimayikidwa bwanji?

Ngakhale kuti zolinga zonse zimayendetsedwa ndi Makona asanu ndi awiri, olemba mabuku osiyanasiyana amapereka inshuwalansi zomwe Zigulu zisanu ndi ziwiri zimagulitsa. Zamagetsi ndizolembedwa ndi a Ena Underwriters, Lloyds wa London, Tramont Insurance Company Limited, Advent Syndicate 780 ku Lloyds of London, Company ya United States Inshuwalansi ya Moto, ndi ena. Pakati pa olemba mabukuwa, kampani ya Inshuwalansi ya Moto ya United States ili ndi "A" (Excellent) mlingo ndi malingaliro abwino kuchokera ku AM Best Service Services.

Ponena za kulumikizana ndi ndondomeko ndi ntchito yamakasitomala, Makona asanu ndi awiri adalandira malingaliro abwino ochokera kwa anzawo ndi makasitomala.

Anthu omwe amagula inshuwalansi yawo yaulendo kuchokera ku malonda InsureMyTrip amapereka Miyeso Isanu ndi chiwerengero cha pafupifupi 4.5 nyenyezi (kunja kwa zisanu), ndi zoposa 500 zikalata zolembedwera kuti zikhalepo. Pa makampani a inshuwalansi a Squaremouth, Makilomita asanu ndi awiri adalandira ma review abwino kwambiri, ndipo oposa 1,500 ali ndi nyenyezi zinayi (pa zisanu).

Komabe, kampaniyo inalandira ndemanga zotsutsa 238, zomwe zikuimira 0.6 peresenti ya ndemanga zawo zonse (Squaremouth amalemba kuti kuchuluka kwa zowonongeka ndi 0.4 peresenti).

Kodi Travel Inshuwalansi Zamagetsi Zilipo Ndi Makona Asanu ndi awiri?

Makona asanu ndi awiri amapereka inshuwalansi kwa anthu onse oyendayenda: omwe akuchokera ku United States opitirira ndi mayiko ena, ochokera kudziko lina akufika ku United States, omwe akupita kudziko lina osati ku United States, ndipo ophunzira amapita kusukulu kunja kwa kwawo mitundu. Zopereka zawo zingathyoledwe m'magulu anayi: njira zachipatala, chitetezo chaulendo, ndondomeko za ophunzira komanso mlendo / zolinga za anthu othawa kwawo.

Chonde dziwani kuti ndondomeko zonse za phindu zingasinthe. Kuti mudziwe zambiri zokhudza kufotokozera, funsani Manambala asanu ndi awiri.

Makona asanu ndi awiri Akuyendetsa Mapulani a Zamankhwala

• Liaison International: Kugulitsidwa monga ndondomeko yachuma ya apaulendo paulendo waufupi, Kuunikira kwa International Liaison kulipo maulendo kuchokera masiku asanu ndi asanu ndi asanu ndi makumi asanu ndi limodzi (45), ndi kusankha njira yatsopano kwa masiku 45 ena. Liaison International imapereka malire opitirira malire kuchokera ku $ 50,000 kufika pa $ 1 miliyoni, ndi zosankha za deductible kuyambira $ 0 mpaka $ 2,500. Kuphatikizidwa kumaphatikizansopo $ 500 pa chithandizo cha ngozi za mano ndi $ 100 kuti amve kupweteka mwadzidzidzi.
  
  Pansi pa mgwirizano wapadziko lonse, maulendo a ambulansi amtundu wa $ 5,000, pamene kubwereza kwadzidzidzi, kubwerera kwa ana ang'onoang'ono, kapena kubwerera kwa anthu ochepa kumangokhala $ 50,000. Ndondomekoyi siyimapereka chithandizo cha masoka achilengedwe, kuchotsedwa kwa ndale , kuzunzidwa , kapena udindo waumwini.
  Onani Ndandanda ya Mapindu

• Dziko Lolumikizana: Lumikizanani Dzikoli ndilopakatikati mwa njira ya oyendayenda, kulingalira mtengo ndi phindu. Kupereka njira zomwezo zowonjezereka zachipatala komanso zachitsulo monga Liaison International, Lumikizanani Dziko lapansi limapanga ndondomeko zinayi zosiyana zothandizira ndalama kaya mkati kapena kunja kwa United States. Mapindu a ambulansi am'deralo aikidwa monga gawo la chithandizo cha mankhwala chamtunduwu, mpaka $ 1 miliyoni pamsampha wofulumira kuchipatala ndi kubwezeretsa. Pamene kulandira thandizo lachidziwitso kuchipatala ndi kubwerera kwa ana ang'onoang'ono ndi chimodzimodzi, kubweranso kwanu kwaumunthu kukupindulanso kumaphatikizapo mwayi wosungirako maliro kapena kuwotcha.
  
  Powonjezerapo ndalama, Dziko Lolumikizana limaperekanso zopindulitsa zambiri zomwe zingabweretse mndandanda wambiri wa maulendo omwe angayang'anire. Kusokonezeka kwa maulendo chifukwa cha masoka achilengedwe kumapereka ndalama zambiri mpaka $ 200 patsiku kwa masiku asanu, ndizomwe zimapangitsa kuti anthu asamangidwe chifukwa cha zandale komanso kuchoka kwa masoka achilengedwe. Ngati mwakhumudwitsidwa kapena mukugwidwa kanthawi kochepa, Dziko Lolumikizana limaperekanso chithandizo kuwonjezera pa chithandizo chamankhwala chosankhidwa pa nthawi yogula.
  Onani Ndandanda ya Mapindu

• Liaison Majestic: Kwa alendo omwe akukonzekera kuchoka kwawo kwawo kwa nthawi yaitali, Liaison Majestic amapereka chithandizo chachikulu kwa oyenda padziko lonse. Liaison Majestic ingagulidwe kwa masiku opitirira 364, ndipo idakonzedwanso kwa zaka zitatu. Zochita zapamwamba zamankhwala zimachokera pa $ 60,000 kufika pa $ 5 miliyoni, ndi zosankhidwa zisanu ndi chimodzi zoperekedwa kuchokera ku $ 0 mpaka $ 5,000. Kutsekemera kwa mano Amapitsidwanso mpaka $ 250 kuti athandize mwadzidzidzi kumva ululu ndi kupatsirana mwadzidzidzi mpaka kuchipatala chachikulu.
  
  Zochita zoyendetsa mwadzidzidzi zikuwonjezeka ndi 50 peresenti poyerekeza ndi malonda ena oyanjanitsa, omwe ali ndi masoka achilengedwe ambiri omwe amapindula nawo madola 250 pa tsiku kwa masiku asanu. Oyendanso amafunsidwa ngati akuchitiridwa chiwembu, amafuna kuti masoka achilengedwe achoke, kapena kuti azikhala ovuta paulendo wawo. Ngati mutayambitsa ngozi ndikupezeka kuti ndinu wolakwa, Liaison Majestic amaperekanso ndalama zokwana madola 100,000 zokhazokha ngati: "... zochita zanu zopanda pake kapena zosokoneza zomwe zimabweretsa: 1) kuvulala kwa munthu wachitatu; 2) kuwonongeka kapena kutayika kwa katundu wa munthu wachitatu; kapena 3) kuwonongeka kapena kutayika kwa mwini wake wachitatu. "
  Onani Ndandanda ya Mapindu

Miyala isanu ndi iwiri Yopulumukira Potetezedwa

• Kulimbitsa Nkhalango: Oyenda omwe akudandaula kwambiri ndi mavuto a ulendo wopita mofulumira ndi kupitako kwapadera amathandizidwa bwino ndi Mzere Wosanu ndi Monse Wa Makampani A inshuwalansi. Kulemera kwapakati pazinthu zonse ndizofunikira kwambiri pakufotokozera pa mtengo wotsika kwambiri. Zochitika zoyenera kuchotsedwa ndi ulendo wopita kuntchito zimaphatikizapo 100 peresenti ya mtengo waulendo, pamene kutaya kugwirizanitsa ndi ulendo wautali umaphimbidwa kwa ndalama zokwana madola 250, malinga ndi malire a tsiku ndi tsiku. Oyendanso amalandira chithunzi cha katundu wotayika, wobedwa, kapena yowonongeka, ndipo katundu amalepheretsa pamene thumba silifika maola 24.
  
  Ngakhale si njira yapadera ya zamankhwala, mankhwala ozungulira onse amapereka inshuwalansi yochepa ya inshuwalansi. Pakati pa zachuma, izi zikuphatikizapo $ 10,000 pangozi yachangu komanso matenda a zachipatala, mpaka ndalama zokwana madola 750 chifukwa cha mankhwala opatsirana opaleshoni, ndipo mpaka $ 100,000 kuti achoke mwamsanga ndi kubwerera kwawo.
  Onani Ndandanda ya Mapindu
• Kusankha Kwadongosolo: Pakatikatikatikati, Pakati pazomwe Mukusankha Kulipira malipiro abwino kwambiri ndi mtengo. Apanso, kuchotsedwa kwaulendo woyenerera kumaphatikizapo 100 peresenti ya ulendo waulendo, pamene kuwonongeka kwa ulendo kumaphatikizapo 150 peresenti ya mtengo wapatali. Kupuma kwafupipafupi kumapereka ndalama zokwana madola 600 pafupipafupi chifukwa cha kuchedwa kwa maola asanu ndi limodzi kapena kuposerapo, pamene oyendayenda amene akusowa maulendo awo kapena maulendo oyendayenda amayendetsedwa mpaka $ 1,000 ngati akuchedwa kwa maola atatu kapena kuposerapo. Kutanganidwa kwothandizira chithandizo kumayambitsa ngati katunduyo akutha mochedwa maola 12, ndipo amatha kufika pa $ 300 za zochitikazo. Mu katundu wamatundu atayika, obedwa, kapena oonongeka, oyenda amalandira ndalama zokwana madola 1,500 powerengera.
  
  Koma kupindula kwakukulu kosankha Roundtrip Choice kapena pamwamba ndizopindulitsa bwino chithandizo cha mankhwala. Ndalama zachipatala komanso zachipatala zawonjezereka mpaka $ 100,000, pamene kuchotsedwa kwachipatala mwadzidzidzi ndi kubwezeretsedwa kwawonjezeka kufika $ 500,000. Ndondomekoyi imaperekanso chithandizo chomwe chilipo kale ngati mutagula inshuwalansi yanu pasanathe masiku 20 oyendetsa maulendo oyambirira, ndikugula kugula kwa ndalama zonse zomwe simungabwererenso.
  Onani Ndandanda ya Mapindu
• Roundtrip Elite: Ngati mukufunafuna chitetezo chachikulu mukapita kudziko lina, Roundtrip Elite ndi mankhwala opambana omwe amapereka chithandizo chabwino koposa. Monga Roundtrip Choice, kuchotsedwa kwa maulendo kumaphatikizapo 100 peresenti ya ulendo waulendo, ndipo kusokonezeka kwa ulendo kumaphatikizapo 150 peresenti ya ulendo wopita. Komabe, ulendo wobwerera kuchepa umapitilira mpaka $ 1,500, ndipo ukhoza kuyamba pambuyo pa kuchedwa kwa maola asanu ndi limodzi kapena oposa. Kutha kuyenda kwaulendo kapena zopititsa patsogolo zowonjezereka zikuwonjezeka mpaka $ 1,500 chifukwa cha kuchedwa kwa maola atatu kapena oposa. Kutenga katundu wonyamula katundu kwawonjezeka kufika pa $ 600 ngati katundu akuchedwa kwa maola 12 kapena kuposerapo, pamene kufalitsa kwa zowonongeka, zoba kapena zowonongeka kwawonjezeka kufika pa $ 2,500.
  
  Monga Kupangidwira Kwambiri, ndondomekoyi imadza ndi zopindulitsa zochepa zachipatala, kuphatikizapo kufotokozera ngozi zapangozi komanso matenda a zachipatala mpaka $ 250,000, ndi kuchotsedwa kwadzidzidzi kwachipatala ndikubwezeretsanso mpaka $ 1 miliyoni. Chiwongolero cha kale chomwe chikupezekapo chikupezekanso ngati mutagula inshuwalansi yaulendo wanu masiku makumi awiri kuchokera paulendo wanu woyamba, ndikugula kugula ndalama zonse zomwe simungakwanitse.
  Onani Ndandanda ya Mapindu

Mizere Isanu ndi Iwiri Mapulani a Ophunzira

• Wophunzira Wothandizira: Kwa ophunzira omwe akukonzekera kuphunzira kunja, Ophunzira Oyankhulana ndi ndondomeko yapadera ya inshuwalansi yaulendo yomwe imakhudza zochitika zambiri zaumoyo. Kuphatikizira kumaphatikizapo maulendo obwera, mankhwala, ndi chisamaliro cha matenda a m'maganizo. Kuphunzira kumeneku kumangogwira ntchito kwa ophunzira amene akuphunzira kunja kwa mayiko awo.
  Onani Ndandanda ya Mapindu
• Kufotokozera kwa Ophunzira: Ophunzira omwe sakhala kunja kwa dziko lawo kwa nthawi yayitali angafunike kulingalira za Express Express. Ngakhale kuti ilibe mlingo womwewo wa kufotokozera mwamphamvu monga Wophunzira Wophunzira, Ophunzira a Wophunzira amapereka chiwerengero cha malingaliro apamwamba kwa omwe angokhala kunja kwa dziko lawo kwa nthawi yochepa.
  Onani Ndandanda ya Mapindu

Mlendo Wokonza Makona asanu ndi Awiri

• Mlendo Wosakwanira: Alendo omwe adzakhale ku United States miyezi yosachepera sikisi akhoza kupindula kwambiri ndi ndondomeko yotsika mtengo, yaifupi. Bungwe la inshuwalansi yopita kuchipatala kwenikweni limakhudza oyendayenda omwe akuda nkhawa za umoyo wawo pamene akupita ku US, ndipo amapezeka kwa achinyamata monga masiku 14 mpaka zaka 99.
  Onani Ndandanda ya Mapindu
• Kusankhidwa kwakukulu: Kusankhidwa kwakukulu ndi ndondomeko ya nthawi yayitali, kupezeka kwa anthu omwe amabwera ku United States pakati pa masiku 14 ndi zaka 69. Ndondomekoyi imapereka ndalama zowonjezereka za zochitika zachipatala, ndipo zingathe kugulidwa ndi kukonzedwanso kwa masiku 364.
  Onani Ndandanda ya Mapindu
• Mdziko lachilendo cholowa: Mdziko lachilendo lochokera kudziko lina limapangidwira alendo omwe angakhaleko ku United States nthawi yaitali, koma sangathe kulandira inshuwalansi zina. Amapezeka kwa anthu a zaka zapakati pa 14 ndi zaka 99, Omwe akulowa m'deralo angagulidwe kwa masiku opitirira 364, ndipo adakonzedwanso kwa zaka zoposa zisanu, akupereka mauthenga osiyanasiyana omwe amapindula nawo.
  Onani Ndandanda ya Mapindu

Kuphatikiza apo, Makona asanu ndi awiri amaperekanso zotsatirazi:

• Woyendayenda Wowonongeka: Ngati mutenga maulendo ambirimbiri chaka chilichonse, Wander Frequent Traveler ndiwomwe akupanga inshuwalansi pachaka yomwe ikutsatirani kumalo ambiri. Ndondomeko ya inshuwalansi ya chaka chonseyi idzayenda maulendo kunja kwina osadutsa masiku 30 kapena 45, pogwiritsa ntchito ndondomeko yosankhidwayo.
• Chophimba Chobiriwira: Nzika za ku United States zomwe sizikonzekera kukhala ku United States koma osayenerera Medicare zingapindule ndi Cover Cover. Okonzeka kuti apite ku US pakati pa 60 ndi 95, ndondomekoyi imapereka chithandizo chachikulu cha mankhwala pafupipafupi, mpaka atha kukhala oyenera ku Medicare.
• RoundTrip International: Anthu osakhala a ku America omwe akupita kunja kwa dziko lawo ali ndi dongosolo lapadera la inshuwalansi yopita kuzinthu zawo. Kuzungulira dziko lonse lapansi kumaphatikizapo kufanana monga zinthu zogwiritsira ntchito, kuphatikizapo kutetezedwa mtengo, katundu wothandizira, ndi madokotala.
• DOGTAG: Kwa iwo omwe amakhala pamphepete mwawo, DOGTAG akhoza kukhala ndondomeko ya inshuwalansi yaulendo yomwe mukufuna. Ndondomeko yapadera ya inshuwalansi yaulendo imapereka ndalama zokwana madola 1 miliyoni pa zamankhwala ndi thandizo lachipatala mwamsanga mukadakalipira mukachita nawo masewera oopsa, kuphatikizapo kukwera mazira, mapiri, kapena katatu.

Kodi Zingati Zisanu ndi ziwiri Zing'onozing'ono Zikugwiritsira Ntchito Inshuwalansi?

Mofanana ndi malonda onse a inshuwalansi, maulendo asanu ndi awiri a makona amadza ndi zoperewera. Malire othandizira ndi awa:

• Masewera owopsa: Ngakhale kuti malonda a Liaison amapereka zosiyana zosiyanasiyana, sangathe kulipira zifukwa za kuvulazidwa ku masewera owopsa . Ndondomeko ya inshuwalansi imatanthawuza "masewera owopsa" monga: "kukwera njinga yamoto / njinga zamoto (monga woyendetsa kapena woyendetsa galimoto), kumangoyendayenda, kuthamanga zipangizo, zipangizo za zipangizo, kusuntha, kuthamanga kwa bungee, kuthamanga kwa madzi, kukwera mabwalo, kuthamanga kwa ndege, kuwomba mphepo , ndi spelunking. "Ngati mukukonzekera kuchita nawo mbali iliyonse ya zinthuzi, onetsetsani kuti mukugula phindu lothandiza la masewera.
• Zopinga za m'mayiko: Zina mwa inshuwalansi zamakampani sizinapezeke kwa aliyense ku United States. Pulogalamu yachindunji siyikupezeka kwa anthu a ku Alaska, Colorado, Florida, Indiana, Kansas, Massachusetts, Missouri, New Hampshire, New York, Virginia, Washington, pomwe bungwe la inshuwalansi la Liaison silipezeka kwa anthu okhala ku Maryland, Washington, New York, South Dakota, ndi Colorado.
  
  Kuonjezera apo, malonda a inshuwalansi asanu ndi awiri a Corn Corners sangathe kulemekeza milandu paulendo wopita ku mayiko ovomerezedwa, kuphatikizapo Iran ndi Syria. Anthu okhala ku Iran, Siriya, zilumba za Virgin za ku America, Gambia, Ghana, Nigeria, kapena Sierra Leone sangagule inshuwalansi ya Liaison ku Seven Corners.
• Malo Osowa Magalasi kapena Masewera Otentha: Ngakhale kuti ena angatsutse kuti ulendo waulendo kapena kuchepa kwa inshuwalansi ayenera kutsekedwa m'magulu a galasi kapena masiku a paulendo, oyendayenda omwe amatha kumbuyo ndi kumapeto kwa nthawi yawo sangawonongeke ndi Inshuwalansi ya Seven Corners Roundtrip Inshuwalansi. Komabe, zimapezeka ngati zina zowonjezerapo mankhwala ku mapeto apamwamba.
• Mphoto Yowonongeka Kwagalimoto: Oyenda ambiri ali ndi mawonekedwe a galimoto yobwilitsila inshuwalansi ngati amalipira ulendo wawo pogwiritsa ntchito makadi awo a ngongole. Ngati ili ndondomeko yachiwiri, idzangopereka chitsimikizo pambuyo poti mitundu ina ya inshuwalansi yatha. Miyala Yanu isanu ndi iwiri yopita inshuwalansi sichikuphimba kuwonongeka kwa galimoto, koma kuchotserako kungaperekedwenso ngati chithandizo choonjezera ku dongosolo lanu lozungulira.
• Pewani Zifukwa Zogwira Ntchito: Zovuta zokhudzana ndi ntchito, monga kukana tchuthi kapena zochitika zina, sizingakwaniritsidwe monga ulendo wopulumukira . Ngati oyendayenda akudandaula za ntchito yawo, akhoza kuwonjezera pa chithandizo cha zifukwa za ntchito zomwe zimapindulitsa pa dongosolo lawo la inshuwalansi.

Kodi Ndikulongosola Bwanji Zomwe Ndili ndi Makona Asanu ndi Awiri?

Mofanana ndi makampani ambiri a inshuwalansi, kufotokoza zomwe mungachite kungatheke pa intaneti. Amene adagula ndondomeko yawo mwachindunji kupyolera mu Mipingo Isanu ndi iwiri amatha kungolowera ku akaunti yomwe adalenga panthawi yogula.

Njirayi ikuyamba pozindikira mawonekedwe abwino pa webusaiti ya Seven Corners kuti muwone. Oyendayenda ayenera kumaliza mafomu omwe akudandaula, ndi kutumiza kopi ya pasipoti, malipiro ophatikizidwa kapena mapepala amtengo wapatali, ndi zina zonse zothandizira. Kuchokera kumeneko, funsani mafomu akhoza kutsekedwa, kutumizidwa mwachinsinsi kudzera pa webusaiti yawo, kapena kutumizidwa kudzera pa imelo kapena makalata achikhalidwe.

Kwa iwo omwe ali ndi mafunso, kampani ikhoza kufika pa chiwerengero chawo chopanda msonkho. Makona asanu ndi awiri amapezeka Lolemba mpaka Lachisanu, kuyambira 8:00 mpaka 5 koloko Eastern Time pa 1-800-355-0477.

Kodi Zida Zisanu Ndi Ziwiri Inshuwalansi Zamtengo Wapatali Zoposa?

Zonsezi, Makona asanu ndi awiri amapereka inshuwalansi yaulendo kwa woyenda aliyense, ziribe kanthu komwe akupita padziko lapansi. Kuonjezerapo, zambiri za inshuwalansi zoyendetsa maulendowa ndizofotokozera mwatsatanetsatane, zowonjezera, ndipo zimapereka mauthenga amphamvu. Ngati mukuyenda ndi zinthu zakutali, kapena ndondomeko yakuchoka kwanu kwa nthawi yayitali, malonda asanu ndi awiri a makona akhoza kukhala otetezeka kwambiri pa chitetezo chanu payekha pamene muli kutali ndi kwanu.

Komabe, kwa omwe sali kukonzekera ulendo wamtengo wapatali kapena wautali, Makona asanu ndi awiri sangapereke zinthu zabwino kwambiri. Ngakhale pamsika wawo wotsika kwambiri, malonda a Makona asanu ndi awiri amapereka madalitso ambiri omwe simungasowe. Mukasankha ngati inshuwalansi ikuyenda bwino, funsani ngati mukufunikira ubwino uliwonse pokhapokha ngati zovutazo zikuchitika, ndipo ngati ulendo wanu umapereka chiwerengero chotere.

Musanagule ndondomeko ya inshuwaransi ya Makona Asanu ndi awiri, onetsetsani kuti mumvetsetse zomwe zilipo zina zomwe mungakhale nazo kale. Ngakhale Mipingo Isanu ndi iŵiri imapereka mwayi waukulu wa inshuwalansi zosankha, nkofunika kuti muwone kuti mumvetsetse zomwe zingakwaniritsidwe, zomwe sizingatheke, komanso kuti muli ndi chiwerengero chotani chachinsinsi.