Konke okudingeka ukwazi ngaphambi kokuthenga izinhlelo zomshuwalense we-AIG Travel
Kusukela ngo-1985, i-AIG Travel inikeze izinketho zomshuwalense wokuhamba kwabahambi abaningi. I-specializing in inshuwalense yempahla kanye nokulimala, inkampani inikeza izixazululo zomshuwalense kulabo emhlabeni jikelele.
Uma uthenge uhlelo lwe-inshuwalense yehambo esikhathini esidlule, kungenzeka ukuthi lunikezwe i-AIG Travel ngaphandle kokuthi uyakwazi: inkampani nayo idala izinqubomgomo zamasiko eziningana ezincane zabanshuwalense abadayisi, izindiza zezindiza ngisho namaqembu okuhamba.
Ingabe i-AIG Iyahamba inkampani efanele yohambo lwakho?
Mayelana nohambo lwe-AIG
I-Travel Guard yayingasungulwa njengengxenye ye-AIG ngo-1982, kodwa kunomthengisi owabona ithuba emakethe. Ngemuva kweminyaka emithathu yokuhlela, le nkampani yanikeza izinqubomgomo zabo zokuqala ngo-1985, ngaphambi kokuthenga i-ejensi yokuhamba ngo-1987. Phakathi kuka-1987 no-2006, le nkampani nayo yandisa imisebenzi yayo emhlabeni jikelele, inikeza izinqubomgomo zomshuwalense wokuhamba e-United States naseCanada.
Ngezinzuzo eziningi, i-Travel Guard yathengwa yi-AIG ngonyaka ka-2006 Namuhla, inkampani ibhekene ne-Houston, eTexas, ekhonza abahamba emazweni angaphezu kuka-100 kanye neziphathimandla ngezikhungo eziyisishiyagalombili zesevisi zomhlaba wonke ezindaweni eziyinhloko, futhi zihlanganisa: I-Houston, eTexas; Stevens Point, Wisconsin; E-Kuala Lumpur, e-Malaysia; I-Bogotá, Colombia; I-Sofia, eBulgaria; Okinawa, eJapane; I-Shoreham, eNgilandi; no-Guangzhou, eChina.
Ukulinganiswa kwe-AIG Kuyalinganiselwa kanjani?
Izinqubomgomo zokuhamba ze-AIG zibhalwe yiNational Union Fire Insurance Company yasePittsburgh, ePa., Enye insizakalo ye-AIG. Kusukela ngo-Meyi 23, 2017, umlobi wenqubomgomo une-AM Best A rating, ebabeka esigabeni "Esihle kakhulu" sesikweletu ngemibono enhle.
Ukuze isevisi yamakhasimende, i-AIG Travel ilinganiswa kakhulu emakethe amathathu emakethe yomshuwalense wokuhamba nge-intanethi.
Ngokubuyekezwa kuka-170, i-AIG Travel inezinga eliyisihlanu lezinkanyezi ezivela ku-TravelInsurance.com, elinenani lokuncoma lalingu-98%. Amakhasimende we-InsureMyTrip.com anikezela inkampani 4.56 izinkanyezi (ngaphandle kwezihlanu). Nakuba i-Squaremouth.com ayisekho izinqubomgomo zezokuvakasha ze-AIG, amakhasimende angaphambilini anike inkampani engu-4.46 izinkanyezi (ngaphandle kwayisishiyagalombili), ngezingqinamba ezingaphansi kwesisodwa izibuyekezo ezingalungile.
Yimuphi Umshwalense Wokuhamba Ingabe I-AIG Travel Offer?
I-AIG Travel inikeza izinhlelo ezine zabathengi, ngokusekelwe kwezidingo zabo kanye nezinhlelo zokuhamba: Isiyisisekelo, Isiliva, igolide nePlatinum. Nakuba uhlelo oluyisisekelo lungatholakali ngokuqondile nge-AIG Travel, lungathengwa ngezimakethe ezifana ne-TravelInsurance.com. Wonke amaphuzu omshwalense wokuhamba ahlanganisa ukuhamba kwezokwelapha ukuhamba, usizo lokuhamba emhlabeni jikelele, Ukusizwa okuphuthumayo kwe-LiveTravel® nokusizwa komuntu siqu, kodwa kuphela ukusebenza lapho abahambi okungenani amakhilomitha angu-100 ukusuka ekhaya.
Sicela uqaphele: zonke izimiso zezinzuzo zingashintsha. Ngolwazi oluphezulu kakhulu lokusakaza, xhumana no-AIG Travel.
- Ukuqapha Ukuhamba Okuyisisekelo: Ukuhamba Ngezokuvakasha Isiyisisekelo sezinga eliphansi kunazo zonke ezitholakalayo nge-AIG Travel Guard, nezinzuzo ezincane kunazo zonke zokukhansela uhambo , ukuphazamiseka kokuhamba nokulibala kokuhamba . Uhlelo oluyisisekelo luhlinzekwa ngamaphesenti angu-100 wokuhamba kokukhansela noma ukuhamba kokuphazamiseka (kuze kube yizigidi ezingu-100,000), kodwa kunomkhawulo ophansi kakhulu wokufakwa kwezokuvakasha ngenxa yokuphazamiseka kokuhamba ($ 500 maximum), ukubambezeleka kokuhamba (okungenani u-$ 100 ngosuku, kufika ku-$ 500 ), ukulahlekelwa kwempahla ($ 500 ngaphambi kwe-$ 50 deductible) nokulibazisa imithwalo ($ 100 esiphezulu). Uhlelo oluyisisekelo lubandakanya inqubomgomo yokulimala yokuqasha imoto yokuqasha ngenkokhelo eyengeziwe, kodwa ayihlanganisi izinketho zesimo sezempilo esidlule esingekho esikhona noma ukufa ngengozi nokubhujiswa. Funda isimiso sezinzuzo lapha.
- I-Travel Guard Silver: I- Travel Guard Isiliva yizinga eliphansi kunazo zonke zokuthola ulwazi olutholakala ngokuqondile ngokusebenzisa i-AIG Travel Guard. Ukuchazwa ngokuthi "ukuhlinzekwa kwe-savvy okukusiza ukunikeza ukuthula kwengqondo ngesabelomali," I-Travel Guard Silver inikeza izinzuzo eziphangalayo zokukhishwa kwemithwalo nokulahlekelwa kwemithwalo ($ 750; $ 50 deductible) kanye nezindleko zokugula zengozi ($ 15,000; $ 50 deductible). Lolu hlelo lubuye luhlinzeke ngokuzikhethela okukhethwa kukho okwenziwe ngaphambilini kwezempilo ye-medical condition, ukukhanselwa kohambo noma ukuphazanyiswa ngenxa yokuzenzakalela kwezezimali kanye nokwebiwa kwezindiza ezengeziwe. Ngokuvamile, abahambi abakhetha ukuthenga i-Travel Guard Silver ngaphezu kwe-Travel Guard eyisisekelo bangalindela ukukhokha cishe u-2.5% ngaphezulu. Funda isimiso sezinzuzo lapha.
- I-Gold Guard ye-Travel: Uhlelo oluthandwa kakhulu olunikezwa i-AIG Travel Guard, izindleko ze-Travel Guard zezindleko zomshuwalense ngegolide. Uhlelo lwegolide luhlinzeka ngemali engaphezulu yokuphazamiseka kokuhamba (amaphesenti angu-150, kuze kufike ku-$ 150,000 esiphezulu), ubuyela ngendiza ngenxa yokuphazanyiswa ukuhamba (okungaphezulu kuka-$ 750 noma amaphesenti angu-150 wendleko yokuhamba) kanye nokwaziswa kokulibaziseka kokuhamba ($ 150 ngosuku oluphezulu, kuze kube $ 750 inani). Lolu hlelo lubuye lunikeze izinzuzo eziningana ezengeziwe, kufaka phakathi ukulahlekelwa kwedokhumenti yokuhamba nemikhumbi (kufika ku-$ 1,000), ukubambezeleka kwemithwalo ($ 300) nokungena kokuxhumeka kokuxhumeka (kufika ku-$ 250).
Uma uthenga ngaphakathi kwezinsuku ezingu-15 kokukhokha kokuqala kokuhamba, abahambi bangaphinde bahlanganiswe ukukhishwa kwesimo esivele sikhona, ukukhanselwa kohambo noma ukuphazanyiswa ngenxa yokuzenzakalela kwezezimali kanye nokuhlinzekwa okuyisisekelo izindleko zokugula zengozi. Amazinga wokuzikhethela okukhethayo afaka i-Khansela nganoma iyiphi inkokhelo yomshuwalense (kuze kufike kumaphesenti angu-50 ezindleko zokuhamba ngomshuwalense), ukufakwa kwezimoto zokuqasha ukuqashiswa kwemoto nokuthuthukiswa kwezindleko zezokwelapha nokufakwa kokuphuthumayo okuphuthumayo. Ngaphambi kokuqala kokuzikhethela, lindela ukukhokha ngaphezulu kwamaphesenti angu-20 e-Travel Guard Gold uma kuqhathaniswa ne-Travel Guard Silver. Funda isimiso sezinzuzo lapha.
- I-Travel Guard Platinum: I- Travel Guard Platinum yizinga eliphakeme kakhulu lokuhlinzekwa okuhlinzekwa ngu-AIG Travel Guard, elinamazinga amakhulu okuzuza. Ngaphezu kokuhamba ukukhansela nezinzuzo zokuphazanyiswa, abahambi bangathola kuze kufike ku-$ 1,000 ukuze babuyele emoyeni ngenxa yokuphazanyiswa ukuhamba, izinzuzo zokulibaziseka kwezinsuku ezifinyelela ku-$ 200 ngosuku ($ 1,000 ubukhulu) futhi kuze kufike ku-$ 500 ngezinzuzo zokuxhumeka ezingekho.
NjengeGold Guard Gold, abahambayo abathengisa inqubomgomo yabo zingakapheli izinsuku eziyi-15 ekukhokheni kwabo kokuqala bangathola futhi isimo sokulashwa esikhona ngaphambili, ukukhanselwa kohambo noma ukuphazanyiswa ngenxa yokungahleleki kwemali, ukugula okuyinhloko kokugula kwezindleko zezokwelapha kanye nemithwalo eyinhloko kanye ukukhishwa komuntu siqu. Izinketho zenqubomgomo yokuzikhethela zifaka i-Khansela nganoma yisiphi isizathu (kuze kufike kumaphesenti angu-50 ezindleko zokuhamba nge-insured), ukufakwa kwezimoto zokuqasha ukuqashisa imoto, nokuthuthukiswa kokwaziswa kwezokwelapha.
Ngenxa yokuthi i-Travel Guard Platinum yizinga eliphakeme kakhulu lokuthola ulwazi olukhona, libuye libiza kakhulu: abahambi kufanele balindele ukukhokha ngaphezu kwamaphesenti angu-50 no-60 ngaphezu kwe-Travel Guard Gold ngaphambi kokunye okungeziwe okungeziwe. Funda isimiso sezinzuzo lapha.
Yini Engayifuni I-AIG Travel Cover?
Ngenkathi i-AIG Travel inikeza izinhlelo zokuhlanganisa izindaba eziningi ezihamba phambili zokuhamba, ngeke zihlanganise yonke into. Izimo ezingavunyelwe zihlanganisa:
- Ukulimala okuzimele: Uma usenkingeni ngenkathi uhamba, kunezindlela zokuthola usizo kuphi emhlabeni jikelele. Qaphela ukuthi ukunakekelwa kwezempilo yengqondo kungase kungagcinwa uhlelo lwakho lomshwalense wokuhamba.
- Ukukhulelwa noma ukubeletha: Uma uhlela uhambo futhi ukhulelwe, xoxani nohambo lwakho nodokotela wakho kuqala ngaphambi kwamathikithi okubhuka. Ezimweni eziningi, ukukhulelwa noma ukubeletha akuhlanganiswa ngaphansi kwezinhlelo ze-AIG Travel.
- Imisebenzi enobungozi: Ukuhlela ezintabeni, ukuya emotweni yezimoto, noma ukuhlanganyela emcimbini wezemidlalo? Zonke lezi zimo azihlanganiswa ngaphansi kwezinhlelo ze-AIG Travel.
- Ukubamba iqhaza emiphakathini yomphakathi, impikiswano noma ukuvuka: Nakuba kunezimbangela eziningi ezifanele ukuphikisana, ukuyisa kwelinye izwe akucebisi ngecebo le-AIG Travel. Kunalokho, cabanga ukuthatha uhambo lokuzithandela kwelinye izwe esikhundleni salokho.
- Ukulahlekelwa kwempahla yezinto ezithathwe yizikhulu zikahulumeni noma amasiko: Ngaphambi kokuba ubuyele ekhaya, qiniseka ukuthi uyazi ukuthi yini (okungenjalo) engavunyelwa ezweni lakini. Uma ukholelwa ukuthi izinto zakhobiwe amathenda noma amathenda wokuPhatha kwezokuThutha , kukhona inqubo ehlukile yokubika labo abalahlekelwayo.
- Ukulahlekelwa kwemithwalo yama-eye, izibuko zokubukela, noma izinsiza zokuzwa: Njengomthetho jikelele, abahambi kufanele bahlale bephethe izibuko ezengeziwe kanye nemithi emithwalweni yabo yokuthwala. Ukulahlekelwa noma ukuguqulwa kwembono yokugqoka kwendlovu akuhlanganiswa yi-AIG Travel.
Lona nje luhlu olufinyelelekile lwezimiso ezingahle zihlanganiswe ngaphansi kwezinhlelo zomshuwalense wohambo lwe-AIG Travel. Ukuze uthole uhlu olugcwele, bhekani esimisweni sezinzuzo zepulani ngalinye, ezixhunyaniswe kumqukethwe ongenhla.
Ngifaka kanjani i-Claim nge-AIG Travel?
Abahambi abathengile uhlelo lwe-AIG Travel e-United States bangaqala izicelo zabo ku-intanethi. Ngemuva kokuqala i-akhawunti ku-intanethi, abahambi bangakwazi ukufaka izimangalo zezimo ezivame kakhulu, kufaka phakathi ukukhanselwa kohambo, ukulahlekelwa kwemithwalo nokulahleka kokuhamba. Abanikazi benqubomgomo bangathola futhi izidingo zamadokhumenti ku-inthanethi, futhi bathole izibuyekezo ku-intanethi. Labo abanemibuzo mayelana nezinqubomgomo zabo noma izimangalo bangabiza u-AIG Travel ngqo ku- + 1-866-478-8222.
Ithuluzi lokubiza inthanethi litholakala kuphela kubantu abahamba nge-Amerika abazithengise izinhlelo zabo zomshuwalense wokuhamba e-United States. Bonke abanye abahambi kufanele baxhumane no-AIG Ukuhamba ngokuqondile ngenombolo yabo yocingo enikeziwe ukuze baqale inqubo yesimangalo.
Ngubani ohamba nge-AIG ohamba phambili?
Ezingeni eliyisisekelo nele-Silver, i-AIG Travel iyisimo somshuwalense wokuhamba ngezinyawo oluyisisekelo kakhulu esingase sihlanganise nalabo abangenalo ukuhanjiswa kohambo ngekhadi lesikweletu, noma uma befinyelela ohlelweni lokushuwalense lomhambo. Ngaphambi kokucubungula noma yiluphi loluhlelo lwe-AIG Travel, qiniseka ukuthi uhlola ukuthi usuvele unomshwalense wokuhamba ngokukhokhela uhambo lwakho ngekhadi lesikweletu, noma usebenzisa amanye amaphuzu ekhadi lesikweletu.
Uma uhlela uhambo olunzulu lomhlaba wonke, noma uhamba uhambo olude olwandle, i-AIG Travel Gold nePlatinum inganikeza ukubhekwa okungcono kunekhadi lesikweletu. Njengoba kunamazinga amakhulu okuhlomula nokubhalwa okwakhiwe kakade kumibandela ekhona ngaphambili lapho kuthengwa ezinsukwini ezingu-15 zokuqala kokukhokha kokuhamba, i-Gold nePlatinum ingaba ukubheja kangcono kulabo abachitha imali eholidini elikhulu futhi bafuna ukuqinisekisa uhambo lwabo luhamba kahle. Ngokuthenga okungeziwe ukuqinisekisa ukuhlinzeka okuyisisekelo uma kwenzeka ukufakwa kwesimangalo nokuphuthumayo ku-intanethi,
Ngokubanzi, izinhlelo ze-AIG Travel ziphakathi kwezinto ezitholakalayo namuhla-futhi kufanele nakanjani zicatshangelwe uma uya kude nomuzi noma ungena emkhunjini wokuhamba ngesikebhe isikhathi eside.