I-inshurensi yokuhamba: Ukuthenga okanye ukungathengi?

Izaqhwithi zekhephu, iinkanyamba, iinqwelomoya eziphosiweyo okanye imeko yomkhuhlane zonke ziyonakalisa iiholide ezingenakubalwa nyaka ngamnye. Ukuze bakhuseleke kwezo ntlekele zingalindelekanga, abahambi abaninzi baye babhenela kwiinshorensi yohambo. Kodwa ngaphambi kokuba uphume kwaye ungeze kwiindleko zokuhamba kwakho qiniseka ukuba uyayiqonda into efihliweyo kunye nengekho.

Iintlobo ezimbini eziphambili ze-inshurensi yokuhamba zihluke kakhulu. Eyokuqala, ebizwa ngokuba yi-inshurensi yokurhoxiswa kohambo, ijolise ekukhuseleni abahambi ukuba bayaphoswa yinqwelomoya okanye ngenqanawa, okanye bagule ngequbuliso ngaphambi kokuba baye elwandle.

Enye, i-inshurensi yokuhamba kwezonyango, igxile kwimiba yezempilo enokuthi ivele xa uhamba, ikakhulu kumazwe angaphandle angayamkeliyo i-inshurensi yezonyango yaseMelika.

Ngokubanzi, i-inshurensi yokuhamba sisihloko esibanzi kwaye ibhida kakhulu kubakhenkethi abaninzi, walumkisa uChris McGinnis, ingcali yohambo lweshishini lweBest Western.

I-inshurensi yokurhoxiswa kohambo iyakukhusela ukuba ubhukisha uhambo olufuna idiphozithi okanye olubandakanya into engabuyiswayo njengemali yohambo lwenqwelomoya okanye uhambo ngenqanawa. UMcGinnis uthe imigaqo-nkqubo enjalo ibandakanya ukurhoxiswa ngenxa yezizathu ezininzi “ukusuka kwimpilo yakho okanye imeko yakho yomsebenzi ukuya kwiintlekele zendalo.”

“Kukwakho ne-inshurensi yokuphazamiseka kohambo ukuba kufuneka ubuye kwangethuba kwaye ufuna ukubuyiselwa imali,” utshilo.

Kungcono ukuthenga i-inshurensi enjalo ngokusondeleyo kangangoko kunokwenzeka ekubhukisheni ukuqinisekisa ukuba unako ukuqokelela izibonelelo. Umzekelo, ukuba uzama ukuthenga i-inshorensi emva kokuba inkanyamba iqikelele indawo oya kuyo okanye imihla … kulungile, liphelile ixesha.

"Eyona nto ibalulekileyo kukuba ufuna ukuqwalasela i-inshurensi yokuhamba ukuba uceba iholide ebiza kakhulu, ehlawulelwa kwangaphambili," watsho uJeanne Salvatore, usekela-mongameli ophezulu kwi-Insurance Information Institute, umbutho wezemfundo ongenzi nzuzo oxhaswa ngemali kwishishini le-inshurensi. .

Ngokusisiseko, oko kuya kuthetha ukuba kufuneka ufumane i-inshurensi yokuhamba ngenqanawa enkulu, iiholide zokutyibiliza okanye ukhenketho olucwangcisiweyo.

Kwezinye iihambo, uSalvatore uthe, i-inshurensi ayifanelekanga.

"Ukuba uthatha iholide apho umrhumo kuphela yi-100 yeedola zokutshintsha umrhumo wenqwelomoya, ilahleko yakho yezoqoqosho ukuba ufuna ukurhoxa ngomzuzu wokugqibela iyakuba ncinci," utshilo. "Kodwa olunye uhambo alunjalo."

UDan McGinnity, usekela mongameli wenkampani yeinshurensi iTravel Guard, wathi loo migaqo-nkqubo yokurhoxiswa igubungela yonke into ukusuka kwiinkqwithelo ukuya kwiinyikima ezifana nezo zaseHaiti naseChile.

Umlindi wokuHamba kunye neenkampani ezininzi ze-inshurensi zibonelela abathengi ngomnxeba weeyure ezingama-24 ukunceda ukujongana neentlekele. Ukuba inqwelomoya ithe yaphoswa okanye isikhululo seenqwelo-moya sivaliwe, aba bathunywa bazama ukwenza amanye amalungiselelo ohambo kwaye i-inshurensi ihlawula iindleko ezongezelelweyo. Heyi, ihlala inexabiso eliphantsi kwinkampani yeinshorensi ukuba ihlawule imali eyongezelelweyo ukuze ikuse kwindawo oya kuyo kunokuba ubambelele kwityala lohambo lwakho lonke olurhoxisiweyo.

Ezo fowuni zeeyure ezingama-24 ziya kusebenza neenqwelomoya ukunceda abahambi balandele umkhondo wemithwalo elahlekileyo. Basenokunceda ekubhukheni iihotele kubakhweli abaxingayo.

Ezo migaqo-nkqubo zikwabandakanya ukurhoxiswa ukuba wena okanye ilungu losapho elisondeleyo liyagula okanye ukuba umkhenkethi uyaphuma kwishishini. Kodwa, njengesiqhelo, funda umbhalo ocacileyo.

I-inshurensi yokurhoxiswa ixabisa malunga ne-5 ukuya kwi-7 yeepesenti yeendleko zohambo, kuxhomekeke kwiminyaka yakho, uMcGinnity we-TravelGuard uthe. Ke ngetikiti lenqwelo moya le-$200, iyakuba yi-$10 ukuya kwi-14 yeedola. Ngee-$3,000 zohambo lwenqanawa losapho, beziya kuxabisa i-150 yeedola ukuya kwi-210 yeedola.

Ngoko kuxhomekeke ekunyamezeleni kwakho umngcipheko okanye imfuneko yoxolo lwengqondo, i-inshurensi yokuhamba inokuba sisindululo esibiza imali eninzi okanye inxalenye eyimfuneko yalo naliphi na iholide. Nge-inshurensi, unokuhlawula amakhulu eedola kwaye ungaze uyisebenzise. Ngaphandle kwayo, ungaphuma amakhulu okanye amawaka eedola.

UMcGinnity uthe abahambi kufuneka bazibuze: "Ndizimisele kangakanani ukuzimela?"

UMcGinnis ogqwesileyo waseNtshona ukwacebise ukuba ujonge inkampani yekhadi lakho letyala ukuze ubone ukuba ukhuseleko luni na. Ngokomzekelo, wathi, uninzi lwamakhadi e-American Express abonelela ngokhuseleko lokungqubana kweemoto ezirentwayo (kwabo bangenayo imoto yaye ngenxa yoko abanayo i-inshurensi ebakhuselayo xa berenta). Amanye amakhadi e-American Express akwabonelela nge-inshurensi yengozi yokuhamba, ehlawula izibonelelo kusapho lwakho ukuba usweleke kuhambo oluhlawuliswe kwikhadi. Amakhadi okuthenga ngetyala anokubonelela ngokhuseleko oluzenzekelayo kumthwalo olahlekileyo, obiweyo okanye owonakeleyo. Ngokuxhomekeke kwinqanaba lakho lokhuselo, unokude ukhuseleke ukuba intambo yokuhamba ngenqanawa, inqwelomoya okanye umkhenkethi uyaphuma enkonzweni.

UMcGinnis uthe jonga kuqala kwinkampani yekhadi lakho letyala ukuze ubone ukuba yintoni na okanye engafakwanga. Izibonelelo ziyahluka yinkampani, ibhanki ekhupha ikhadi kunye nenqanaba - eliqhelekileyo, igolide okanye iplatinum - yekhadi.

Abanini bezindlu okanye i-inshurensi yabaqeshi baya kuhlawula umthwalo wakho ukuba ulahlekile, kodwa hayi ukuba wonakele.

Okokugqibela, kukho i-inshurensi yohambo lwezonyango olunzima ngakumbi.

Le yinto yokuqwalasela kuphela abahambi abashiya ilizwe okanye ukuya kwiholide yohambo.

USalvatore uthe umntu ohamba ngebhayisekile, ukukhwela intaba okanye enye into esebenzayo kufuneka ajonge kwi-inshurensi. Abakhenkethi abaya phesheya kufuneka babone ukuba yintoni ukhuseleko lwabo lwangoku lwaphesheya kwaye banokufuna ukongezelela njani.

Inyathelo lokuqala kukufowunela umboneleli wakho wezempilo wangoku kwaye ubone ukuba loluphi uncedo osele unalo. Emva koko, jonga into oyiphosayo.

Abahambi bafanele babuze enoba i-inshurensi yabo iya kubasa kanye kwesona sibhedlele sikufutshane, okanye kwesona sibhedlele sikufutshane “saseNtshona”. Ngaba baya kuhlawula ukukusa kwindawo apho oogqirha bathetha isiNgesi? Ukuba kuyimfuneko, ngaba baya kukukhwelisa ugoduke ngenqwelo-moya yezonyango?

“Inxalenye yalo linqanaba lakho lokuthuthuzela,” utshilo uSalvatore.

Kukho izicwangciso ezahlukeneyo kunye neepakethi ezinokunika abahambi yonke into ukusuka kwencinci ukuya kwinqwelomoya yabucala.