Musapangire 7 Ma inshuwalansi a Travel Insurance

Nthawi zambiri, inshuwalansi yaulendo ikhoza kukhala moyo wopulumuka pamene ukufika kutali kuchokera kunyumba. Amene amatetezedwa ndi ndondomeko ya inshuwalansi yaulendo kapena omwe amaperekedwa ndi makadi awo a ngongole angapeze thandizo pamene ndege zimachedwa, katunduyo amataya, kapena akavulala pangozi - kupulumutsa madola zikwi pa chisamaliro ndi kuchira.

Phindu lonse la inshuwalansi yaulendo, palinso mavuto ambiri omwe anthu oyendayenda angalowemo, zomwe zimachokera pa kugula ndondomeko yolakwika. Kuchokera kuzinthu zosowa chifukwa cholola masiku apadera kuti apite kugula mtundu wolakwika wa kufalitsidwa kwathunthu, iwo omwe sadziwa malingaliro awo ndi kuchoka kwa inshuwalansi yawo yaulendo angakhale akupanga zolakwa zazikulu zomwe zingawawononge iwo kumapeto.

Musanayambe ulendo, nkofunika kumvetsa zovuta zazikulu za inshuwalansi zaulendo aliyense wopita. Pano pali misampha isanu ndi iwiri yomwe anthu ambiri omwe akuyenda nawo padziko lonse amakumana nayo pamene akugula inshuwalansi.

• 01 a 07

  Osagula Kuyenda Inshuwalansi Yoyamba Kwambiri

  Pokonzekera ulendo, oyendayenda angapezeke kuti akudziŵa zambiri za ulendo wawo wotsatira, kuphatikizapo kudziŵa malo abwino ndi malo ogona. Kufunika kwa inshuwalansi yaulendo nthawi zambiri kumagwera njira pamene mukukonzekera, kumangotsala pang'ono kumangokhala.

  Pa izi, oyendayenda sangathe kugula inshuwalansi yaulendo mpaka nthawi yayitali kwambiri. Ambiri amayenda akatswiri amalangizira kuphatikizapo kayendedwe ka inshuwalansi pamayambiriro.

  Malinga ndi inshuwalansi ya inshuwalansi insureMyTrip, pali nthawi zitatu zofunika kugula ndondomeko ya inshuwalansi yoyendayenda: pamene choyamba chokhala paulendo chikuyikidwa, patangopita kanthawi kaulendo, katangotsala pang'ono kuchoka. Oyenda maulendo akudikirira kuti agule ndondomeko ya inshuwalansi yaulendo, mapindu omwe angaphonye nawo.

  Mwachitsanzo: apaulendo omwe ali ndi matenda omwe analipo kale omwe amadikirira kuti agule ndondomeko yawo ya inshuwalansi yaulendowu angathenso kulandira chithandizo pakakhala vuto lawo. Kuwonjezera apo, oyendayenda omwe akudikirira kukagula ndondomeko ya inshuwalansi yaulendo mpaka chidziwitso chikudziwika - monga mphepo yamkuntho, chigawenga , kapena zoopsa zachipatala - sangalandire chithandizo ngati izi zikuwonetsa ulendo.

  Kuti mupeze maulendo apamwamba, perekani zogula inshuwalansi yaulendo paulendo wokonzekera ulendo. Amene akukonzekera ulendo wapadziko lonse ayenera kugula ndondomeko yawo mkati mwa masiku 21 oyambirira poyika kugula koyamba kapena kuika.

• 02 a 07

  Osati Kuphimba Chiwerengero Chokwanira Cha Ulendo Wanu

  Pogula inshuwalansi yaulendo pamodzi ndi ndondomeko yoyamba kapena pakhomo loyamba, oyendayenda sangakhale ndi ulendo wawo wonse. Ngakhale wina atadziwa mtengo wathunthu wa ulendo wawo, angakhale akusowa zina mwa zolinga zawo, monga mitengo ya hotelo kapena maulendo apanyanja.

  Mkhalidwe uwu, oyendayenda sangakhale okwanira kubisala ulendo wawo asanatuluke popanda kuwonjezera njira zina zoyendera. Ngati munthu akuyenda, amafunika kuti apereke chigamulo, omwe sanapereke inshuwalansi yawo paulendo wonse waulendo angalandire ndalama zochepa pazinthu zawo - kapena kupeza gawo la zochitika zawo sizinaphimbedwe konse.

  Pogula inshuwalansi yoyendetsa msanga, oyendayenda ayenera kulemba zina zowonjezera zomwe adaziwonjezera atatha kutsatira ndondomeko yawo. Mapulani ambiri a inshuwalansi amawathandiza kuti amithenga awo ayambe kukwaniritsa momwe polojekiti yawo ikuyendera, kusunga zinthu zonse zoyenera kugula komanso kuwapititsa kumalo otsalawo. Pogwiritsa ntchito malonda owonjezera pa inshuwalansi yaulendo, anthu omwe akupita kumayiko ena amatha kuonetsetsa kuti ali ndi vuto lililonse.

• 03 a 07

  Osati Kugula Kuyenda Inshuwalansi Asanafike

  Ngakhale anthu ambiri saganizira za inshuwalansi yawo, galimoto, kapena inshuwalansi panyumba, zambiri zotetezera sizipita ku mitundu ina. Ngati oyendayenda adzivulaza kapena akudwala, akhoza kukakamizidwa kulipira ndalama zawo zothandizira kuchokera m'thumba .

  Kuti mupitirize kulimbikitsa zinthu, mayiko ena amafuna oyendayenda kuti apereke umboni wa inshuwalansi yaulendo asanavomerezedwe kudziko. Kwa iwo omwe amabwera ku zigawo zakutali kwambiri kapena zovomerezeka za dziko lapansi, kuphatikizapo Cuba kapena Poland, inshuwalansi yaulendo ndi zambiri kuposa ukonde wotetezeka - ndizofunikira kwa alendo oyenda kunja.

  Amene amabwera popanda umboni wa inshuwalansi yaulendo amachititsa chinthu chimodzi mwazinthu ziwiri: kugula ndondomeko yotsika mtengo, inshuwalansi ya boma pa miyambo, kapena kukana kulowa m'dzikoli ndikukuthamangitsidwira kwawo.

  Asanafike, alendo abwino amapita kukazindikira zofunika zofunikira za mtundu wawo wotsatira, kuphatikizapo zofunikira za visa ndi inshuwalansi zoyendayenda. Ngati ulendo wanu wotsatira ukufuna dongosolo lothawira inshuwalansi yaulendo, onetsetsani kuti mwasankha ndondomeko yoyenera posakhalitsa.

• 04 a 07

  Kusamvetsetsa Malemba Achigwirizano

  Pamene oyendayenda atsopano amaganizira kugula ndondomeko ya inshuwalansi yaulendo, chimodzi mwa zifukwa zazikulu zolakwika zomwe iwo akukumana nazo ndi kukhulupirira kuti zilimbidwa pa zochitika zina. Chowonadi ndi chakuti zonena zitha kungotumizidwa pazosiyana zosiyana siyana.

  Chimodzi mwazofala kwambiri inshuwalansi zachabechabe ndizofotokozera zomwe zikubwera ndi ulendo wotsutsa inshuwalansi . Ngakhale apaulendo ena amakhulupirira kuti amaloledwa kuchotsa ulendo wawo pazifukwa zilizonse, kuchotsedwa kwa ulendo kumangobwereza zochitika zochepa chabe, kuphatikizapo imfa ya wachibale wanu kapena akukumana ndi ngozi ya galimoto panjira yopita ku eyapoti. Pokhapokha ngati wapaulendo atagula "Kuletsa Chifukwa Chake," sangalandire malipiro aliwonse pansi pa inshuwalansi yaulendo pokhapokha atagwera pansi pa imodzi mwazovomerezeka.

  Zina zomwe anthu ambiri amaganiza zokhudzana ndi masewera ndi "zinthu zoopsa ." Ngakhale kuti inshuwalansi yaulendo ingateteze maulendo ambiri othamanga, sangathe kutulutsa masewera a masewera, zida zamasewera, kapena zinthu zina zovulaza popanda zopindulitsa zina. Musanayambe kuyenda ndi ng'ombe zamphongo kapena kuchita zina zomwe zimawopsa kwambiri, onetsetsani kuti akuphimbidwa pansi pa mapulani a inshuwalansi.

• 05 a 07

  Kugula Zolakwika Zolakwika

  Kwa anthu osayenda bwino, maulendo ambiri a inshuwalansi amayenda mofanana. Kodi oyendayenda angadziwe bwanji njira yabwino asanachoke?

  Pankhani ya inshuwalansi yaulendo, pali mitundu itatu yosiyana siyana ya ndondomeko zoyenera kuziganizira: zachipatala, zowonjezera, ndi za pachaka. Mapulani a inshuwalansi a zamankhwala amapereka chithunzi cha kuvulala komwe kumachitika chifukwa cha ngozi kapena zigawenga , koma sangayende pamtunda wotayika kapena kusokoneza maulendo. Ndondomeko yowonjezereka ikhoza kuphimba kutayidwa katundu, katundu wotsalira, ndi kuchotsedwa kwaulendo, koma osapereka zowonjezera zowonjezereka zachipatala, kuphatikizapo kuchotsedwa kwachipatala pakakhala vuto. Potsirizira pake, ndondomeko ya inshuwalansi ya pachaka ikhoza kupereka chithandizo tsiku lililonse chaka chonse phindu la zamankhwala komanso zopindulitsa, komabe zingakhalenso pansi pafupipafupi phindu lokhazikika ndi kuchitapo kanthu pokhapokha kutali ndi kwathu.

  Musanagule ndondomeko ya inshuwalansi yaulendo, onetsetsani kuti mukumvetsetsa zonse zomwe zikupezeka pazomwe zikuchitika komanso momwe zingagwiritsire ntchito paulendo. Nthawi zina, ndondomeko ya inshuwalansi yopita kuchipatala ikhoza kupereka phindu kuposa dongosolo lonse - makamaka paulendo wautali kupita ku mayiko omwe salikulimbikitsidwa.

• 06 cha 07

  Kuyenda ndi Zinthu Zosaoneka

  Pamene ma banki a zamagetsi anakhudza anthu oyenda m'mayiko osiyanasiyana akupita ku United States, ambiri anakakamizika kunyamula makompyuta awo, makamera, ndi zinthu zina pamtengowo. Ngakhale kuti ambiri anafika pachimake chimodzi, ambiri mwa iwo sakanakhala ndi malonda omwe amayendera inshuwalansi.

  Ngakhale kuti inshuwalansi zambiri zoyendayenda zikuphimba kuonetsetsa kuti katundu akuwonongeka ndi kutayika, zinthu zina zopanda phindu kapena zamtengo wapatali siziyenera kuphatikizapo ndondomeko zoyenera. Zitsanzo za zinthu zosatulutsidwa zimaphatikizapo zamagetsi, zodzikongoletsera zamtengo wapatali, zotsalira zamtengo wapatali, ndi zolowa nyumba, ndi zinthu zomwe zimagwidwa ndi akuluakulu amtundu. Ngati zina mwa zinthuzi zowonongeka kapena kuchotsedwa ku katundu, inshuwalansi yaulendo angakhale yosakwanira kupeza zinthuzo.

  Pamene mukuyenda ndi zinthu zowopsya, onetsetsani kuti mumvetsetsa zomwe zidzachitike pansi pa inshuwalansi yaulendo. Ngati chinthu chowonongeka kapena chatayika sichiphatikizidwa ndi inshuwalansi yaulendo, chiyenera kutumizidwa, kupitilira ndi katundu wamnyendo, kapena kuchoka kunyumba kwathunthu.

• 07 a 07

  Kulimbikitsa kapena Kulimbikitsa Ulendo Wotsatira

  Pomalizira, sizinthu zonse za inshuwalansi zoyendayenda zimachokera kuzifukwa zosamvetsetseka kapena kugula zolakwika. Nthawi zina, oyendayenda akhoza kugula inshuwalansi yochuluka kapena yaying'ono pasanakhale ulendo wotsatira.

  Pamene opereka maulendo (monga ndege ndi mabungwe oyendera pa intaneti) nthawi zambiri amapereka inshuwalansi yaulendo monga mwaulere kwa makasitomala awo, mapulani awa angapereke gawo laling'ono la chitetezo. Ndondomeko zowonjezera zili zokhazokha pazomwe zingateteze gawo limodzi laulendo, monga ndege kapena chipinda cha hotelo. Kuonjezera apo, mapulani awa angangopereka ndalama zokhazokha zokhazokha, monga ngozi zapamsewu pandege, koma osati panjira yopita ku hotelo.

  Komanso, apaulendo omwe amagwira ntchito ndi bungwe loyendayenda, bungwe la alangizi, kapena wina woyambitsa maulendo ena nthawi zina amakhala pangozi yoti azilipira zochulukirapo pa inshuwalansi. Muzochitika izi, wothandizira angapereke ndondomeko yowonjezera inshuwalansi pa mtengo wokakamizidwa, wodzinenera kuti ndi ndondomeko yoyenera ya ndondomekoyi. Muzochitika izi, mtengo ukhoza kukonzedwa ndi woyendayenda kuti apeze phindu lina kumbuyo kwa woyenda.

  Omwe akudandaula kuti ulendo wawo angakhale wolimbikitsidwa kapena woponderezedwa angapindule kwambiri ndi kugula kuzungulira dongosolo la inshuwalansi. Ngakhale inshuwalansi yaulendo iyenera kugulidwa asanatuluke, oyendetsa maikowa sayenera kukakamizika kugula njira yoyamba yowonjezera inshuwalansi yomwe amawona, mwina.

  Khalani Wochenjera Pamene Akubwera Kuyenda Inshuwalansi

  Ngakhale inshuwalansi yaulendo ingakhale nkhani yovuta kwambiri kukambirana ndi kulingalira, aliyense akhoza kukonzekera asananyamuke kunyumba kwawo. Pofuna kugula inshuwalansi yaulendo asananyamuke ulendo wawo, kumvetsetsa zomwe sizikuphimbidwa, ndi kupanga ndondomeko ngati munthu akufuna, aliyense akhoza kupeza kuchuluka kwa kapangidwe kaulendo asanayambe ulendo wawo.

  Musanayambe kukonza mapulani a inshuwalansi, onetsetsani kuti mukuchita kafukufuku ndikuganizira kuti ndi ndani yemwe angatumikire zosowa zanu kumene mukupita. Nthawi zina, oyendayenda angakhale okhutidwa mokwanira ndi ogulitsa khadi lawo la ngongole. Ndikofunika kumvetsetsa zoperewera za ndondomeko za inshuwalansi za makadi a ngongole, ndikuganiziranso kugula ndondomeko ya inshuwaransi yomwe ingakupatseni chithandizo cholimba chisanayambe. Kupyolera kumvetsetsa ubwino ndi malire a inshuwalansi yaulendo angathe kuyenda paulendo wabwino kwambiri pa ulendo wawo.

  Pochita kafukufuku woyenera ndi kufunsa mafunso abwino, woyenda aliyense akhoza kukhala katswiri wa inshuwalansi woyendayenda asanapite. Popewera zolakwitsa zisanu ndi ziwiri zoyendetsa inshuwalansi, aliyense akhoza kukhala woyenda bwino ndikuyenda mdziko popanda mantha.