Osakwera sitimayo kapena kulowa m'dziko lachilendo popanda kubisala
Chaka chilichonse, apaulendo oyenda kuzungulira dziko lapansi amathera maola ambiri pokonza ulendo wopambana. Mosasamala kanthu kuti izo zimawatengera iwo kudutsa nyanja kapena kudutsa makontinenti, oyendayenda amathira pazinthu zochepetsetsa kwambiri kuti akhale ndi moyo wa moyo wawo wonse. Komabe, chinthu chimodzi chimene alendo ambiri amanyalanyaza ndizotheka kuvulazidwa kapena kudwala pamene akuyenda kutali ndi kwawo.
Ngakhale ngozi zowonongeka zingayambitse mavuto akuluakulu kwa apaulendo, momwemo ndi kumene inshuwalansi yaulendo ikugwera.
Pokhala ndi ndalama zosavuta kutsogolo kwa ulendo, oyendayenda angapangidwe chifukwa cha zochitika zosakonzekera. Ngakhale pakukonzekera bwino, mitundu ina ya malo omwe amapitako amapereka ngozi yowonjezera kuposa ena , ndikusiya oyendayenda ali ndi zisankho zovuta pa zovuta kwambiri.
Pamene mawuwa akuti: Kupewa koyenera kumapindula pounds la mankhwala. Awa ndi malo atatu omwe simukuyenera kukaona popanda kugula inshuwalansi yaulendo woyamba.
Sitima zapamadzi zokhotakhota zingabweretse ngongole zazikulu zamankhwala
Zombo zokhotakhota zingakhale njira zabwino kwambiri kuona malo apadera ndi nyanja. Mu tchuthi lina, apaulendo amatha kukhala ndi miyambo yambiri pambali ya zochitika zambiri popanda kusokonezeka pakati pa zipinda zogona. Ndi zabwino zimabweretsa zoipa: ngati woyendayenda akavulala kapena akudwala ali m'ngalawamo, vuto lawo likhoza kufika ndi mtengo wapatali.
Ngakhale kudzera mwa apaulendo angakhalebe m'madzi a America, inshuwalansi zambiri za inshuwalansi za ku America (kuphatikizapo Medicare) sizingapangitse ndalama zapanyanja panyanja.
Popanda inshuwalansi, anthu amene amavulala kapena akulowa m'ngalawa akhoza kukhala ndi udindo wopezera ndalama zawo. Malinga ndi a Australian travel insurer Fast Cover, chimodzi mwazinthu zodula kwambiri m'bwato choposa $ 100,000 mu 2015. Musanayambe ulendo wa moyo, onetsetsani kuti muli ndi inshuwalansi yoyendetsa ulendo woyamba.
Malonda a inshuwalansi ya umoyo sangakhale ovomerezeka m'mayiko akunja
Kupita kudziko lachilendo kungakhale chitsimikizo cha chikhalidwe chomwe chingabweretse kukumbukira kwa nthawi yaitali. Ngakhale kuti mayiko ambiri amapereka mtundu wina wa dongosolo la chisamaliro chadziko, izi sizikutanthauza kuti madokotala ndi omasuka kwa wina aliyense m'dzikoli. M'malo mwake, mayiko ena akhoza kungowonjezera chithandizo chamankhwala kwa anthu, kapena sangathe kuona anthu kunja kwadzidzidzi angapereke umboni wa kulipira. Kuwonjezera apo, mayiko ena amafuna umboni wa inshuwalansi yaulendo asanalowe.
Pamene mukupita kudziko lina kwa nthawi iliyonse, inshuwalansi yaulendo ikhoza kuonetsetsa kuti oyendetsa zamakono akuphimbidwa mokwanira chifukwa cha kuvulala, matenda, kapena ngakhale panyumba yachangu. Popanda inshuwalansi yaulendo, ndalama zowathamanga mwadzidzidzi kudzera mumtundu wa ambulansi imatha ndalama zokwana madola 10,000, osati kuwerengera ndalama zowonjezereka zothandizira. Sitikuganiza mwanzeru kuti tipite kunja koma usanalowere inshuwalansi.
Oyendetsa masewera safuna kuti agwidwe popanda inshuwalansi yaulendo
Ambiri amatha kusankha kuti azitha kuona masewera omwe amakonda kwambiri kapena zosangalatsa zina. Ngakhale zosangalatsa zina zimakhala zovuta (monga kusewera golf), zosangalatsa zina (monga kusewera pamsana kapena masewera okhudza masewera) zingaphatikizepo zipangizo zamtengo wapatali ndipo zimabwera ndi zoopsa.
Kwa aulendo amene akuganiza zopita ku masewera othamanga, inshuwalansi yaulendo ndilofunika. Kuphatikiza pa inshuwalansi ya inshuwalansi yomwe imadza ndi njira zambiri zoyendetsera inshuwalansi, ndondomeko yabwino ingaperekenso chithandizo chowonjezera cha zida zamasewera zomwe zikuyendera kupita kumalo omaliza . Pakati pa zochitika zonse zomwe zingawonongeke, inshuwalansi yaulendo ikhoza kukuthandizani kwambiri pavuto lalikulu.
Musanapite ku tchuthi lopambana, ndibwino kutsimikiza kuti ntchito yanu yosankhidwa ikuphimbidwa. Ndondomeko za inshuwalansi zoyendayenda nthawi zambiri zimakhala zochepa pazochitika zoopsa kwambiri , kuphatikizapo masewera olimbitsa thupi, omwe salola kulowetsa popanda ndondomeko yowonjezera. Komanso, malamulo ena angangopereka chithandizo cha zinthu zina zowunika, koma osati kuchita nawo ntchito. Ndi ndondomeko zina, zonsezi zingathe kuchepetsedwa mwa kugula ntchito yowonjezera yowonongeka.
Mulimonsemo, iwo omwe akukonzekera kuchita nawo masewera ayenera kugula inshuwalansi yaulendo.
Ngakhale kuti dziko lapansi lingakhale malo abwino, kubwera popanda inshuwalansi yaulendo kungakuwonongereni m'njira zambiri kuposa imodzi. Musanayambe kukwera chotengera chanu chotsatira kapena kuyang'ana thumba lanu lotsatira, onetsetsani kuti mukuganiza ngati kuyenda inshuwalansi ndi njira yoyenera paulendo wanu wotsatira.