Konke okudingeka ukwazi ngaphambi kokuthenga uhlelo lwe-Travelex Insurance
Nakuba engasakhulumi ngokuqondile nenkampani yayo ye-namesake, i-Travelex Insurance Services isenye yezinkampanini zomshuwalense ohamba phambili embonini. Enikeza imikhiqizo emine eyinhloko, i-Travelex igxile ekubhekisweni okuphansi kwezindleko kulabo abahamba ngamaholide abo, ikakhulukazi ezindizeni.
Ingabe i-Travelex Insurance Services ku-radar yakho? Uma kunjalo, ingabe yizona ezifanele ukukhetha izidingo zomshuwalense wakho wokuhamba?
Senze ucwaningo futhi siphumelela ukufakwa ukuze ukwazi ukwenza okulungile kwi-adventure yakho elandelayo yamazwe ngamazwe.
Mayelana Nezinkonzo Zomshuwalense we-Travelex
Imisebenzi Yomshuwalense we-Travelex yasungulwa ekuqaleni njengengalo yomshuwalense wokuhamba wezinkampanini ze-Mutual of Omaha, futhi isesekhaya e-Omaha, e-Nebraska. Ngo-1996, inkampani yaseBrithani iTravelex Group yathengisa umhlinzeki womshuwalense wokuhamba, ephindaphinda inkampani ngaphansi kwegama elifanayo njengesevisi yokushintshanisa ngemali. Lobuhlobo buhlala iminyaka engama-20 kuphela, lapho izinsizakalo zomshuwalense we-Travelex zithengiswa ku-Group of More-Australia, inkampani enkulu kunazo zonke ezikhethekile zomshuwalense wokuhamba, usizo lwezokwelapha kanye nosizo lomqashi.
Nakuba i-Cover-More Group yinkampani yase-Australia futhi ithengiswa kwi-Australian Stock Exchange, amasevisi we-Travelex Insurance inikeza imikhiqizo yomshuwalense wokuhamba kwabahambi emhlabeni wonke. Le nkampani igxile ezinhlelweni zomshwalense ohamba phambili, kanye nalabo abalinganiswa ngqo nezindiza.
Imisebenzi Yomshuwalense We-Travelex Ilinganisiwe Kanjani?
Nakuba iNkonzo Yomshuwalense we-Travelex yayisiyingxenye ye-Mutual of Omaha, noma inkampani yabo yomzali wokuqala noma inkampani yabazali bayo yamanje ibhala izinqubomgomo zabo zomshuwalense. Kunalokho, amapolisi alotshwe yiBerkshire Hathaway Specialty Insurance Company, eyayibizwa ngokuthi i-Stonewall Insurance Company.
I-AM Best Services Izinsiza inikeza Berkshire Hathaway Specialty Insurance Company inkinga yabo engcono kakhulu, A ++ Superior, ngesimo esitelele ngekusasa.
Ngesikhathi iBerkshire Hathaway ibhala ngaphansi kwemikhiqizo emine eyinhloko ye-Travelex Insurance Services, lokhu akufanele kudidaniswe ne- Berkshire Hathaway Trip Protection . Imikhiqizo emibili ihluke ngokuphelele komunye nomunye, ngezinzuzo zomshuwalense ezahlukene, amazinga okufakaza, nemigomo yomshuwalense.
Ukuze isevisi yamakhasimende, Imisebenzi Yomshuwalense we-Travelex izuze ukulinganisa okuphezulu kokubili okungeyona inzuzo yenkampani yabathengi kanye nomshuwalense wezokuvakasha ukufanisa indawo yezitolo Squaremouth. Emisebenzini yabathengi, izinsizakalo zomshuwalense we-Travelex zithole ukulinganiswa okwaneliseka kwe-4.5 okuqala ku-5, kanti abaningi babonisa ukwaneliseka kwabo ngokuba nemibuzo ephendulwa yizinkampani zomshuwalense, kanye nenqubo yesimangalo. Abasebenzisi be-Squaremouth banikeza umhlinzeki womshuwalense isikhundla esiphezulu sezinkanyezi ezingu-4.45 eziyisihlanu, futhi kunezinhlelo ezingaphezulu kuka-49,000 ezithengisiwe.
Ukuphawula okungalungile kulawo mawebhusayithi amawebhusayithi kuhambisana nomthamo wezinhlelo zomshuwalense wokuhamba, kanye nesevisi jikelele yamakhasimende okuphikisana nezimangalo. Ukubuyekezwa okungahle kwenzeke ukuthi izinhlelo zabo azizange zimboze izimo ezithile eziphuthumayo ngenkathi zihamba, kanti abagibeli asebekhulile bathi izinhlelo zomshuwalense zaziyizindleko eziphakeme ngokusekelwe eminyakeni yobudala.
Yiziphi Imikhiqizo Yomshwalense Wokuhamba Ingabe Imisebenzi Yomshuwalense We-Travelex inikeza?
Imisebenzi Yomshuwalense We-Travelex inikeza izinhlelo ezine eziyinhloko zabahambi: izinqubomgomo ezimbili zomshwalense wokuhamba, nezinkampani ezimbili ezihamba phambili ngokuzungezile ngokuhlangenwe nakho kwezindiza. Zonke izinhlelo zomshuwalense zinikeza isikhathi sokubuka samahhala ezinsuku ezingu-15 ngokukhansela mahhala uma ungahambanga ohambweni lwakho noma ufaka isimangalo, izinzuzo ezengeziwe zokuthenga kwangaphambili (kufaka phakathi ukukhishwa kwesimo esandulele), ukuhlinzekwa okuyisisekelo kubo bonke abahambi kulesi sigaba , izinzuzo zokubambezeleka kokuhamba kuzo zonke izinhlelo zomshuwalense wokuhamba. Kuye ngokuthi yiluphi uhambo oluthathayo kanye nemisebenzi ohlela ukuyenza, uhlelo lomshwalense ngamunye wokuhamba luhlinzeka okuthile okungafani nokucabangela.
Sicela uqaphele: zonke izimiso zezinzuzo zingashintsha. Ukuze uthole ulwazi oluthe xaxa lokuthola ulwazi, xhumana no-Travelex Insurance Services.
- I-Travelex Basic Basic: Umshwalense wezokuhamba ophansi kunawo wonke otholakala, i-Travelex Travel Basic iyinhlangano yomshuwalense wokuhamba ngezindlela ezihamba phambili ezilinganisa izinzuzo ngexabiso. Abahambi abangaphansi kwalolu hlelo bangathola amaphesenti angama-100 omkhumbi wabo womshuwalense wezindleko ezifinyelela ku-$ 10,000 ukuze kukhishwe izizathu zokukhansela noma ukuphazamiseka, noma u-$ 200,000 kubo bonke abahamba ngepulani elifanayo. Ukwengeza, uma ukhokha uhambo lwakho ngamaphoyinti noma amamayela, ungase ufanelekele inzuzo yokuhamba njalo ye $ 200 ukuze uphinde uhlawule imali uma uphoqeleka ukukhansela uhambo lwakho ukuze uthole isimo esifanelekile.
Lolu hlelo lubuye lubuyele ekutheni uzuze uhambo lwamaRandi angu-250 ngosuku, ngenzuzo enkulu ye $ 500. Izinzuzo zokubambezeleka kwezimpahla zifakwe ku-$ 100, enemithwalo ephezulu elahlekile nemiphumela yomuntu siqu ezuzwa ngu-$ 500.
Ukufakwa kwezindleko zezokwelapha kufakwe ku-$ 15,000, nge-$ 500 eyengeziwe ezinsizeni eziphuthumayo zamazinyo. Uma kwenzeka ungadinga ukuphuthumayo okuphuthumayo, noma izinsalela zomhambi zibuyiselwe ekhaya, lezo zinzuzo ziphuma ku-$ 100,000. Lezi zinzuzo zisebenza kuphela uma uhamba okungenani ngamamayela angu-100 ukusuka ekhaya lakho eliyinhloko.
Uma ukwazi ukuthenga zingakapheli izinsuku ezingu-15 zokukhokha kwakho kokuqala, ungase ufanelekele izinzuzo ezintathu ezengeziwe: isimo sokukhishwa kwesimo esivele sisekhona , nokukhanselwa kokuhamba noma ukuphazanyiswa ngenxa yokuzenzakalela kwezezimali noma izizathu zomsebenzi. Izinzuzo zokuzikhethela zibandakanya umoya ohamba phambili oshaywayo wezokuthutha kanye nokuqothulwa kwezimoto, nokufakwa kwezimoto zokuqasha ukuqashiswa kwemoto.
Funda isimiso sezinzuzo - Ukuhamba kwe-Travelex Ukukhetha: Abahambi abahlela uhambo olude, bahlele ukuhlanganyela emisebenzini enobungozi ngenkathi behamba, noma befuna izinga eliphakeme lokuhlanganisa, i-Travelex inikeza ne-Travelex Travel Select. Ngokufana ne-Travelex Travel Basic, lolu hlelo lwe-inshuwalense lokuhamba lunikeza izinzuzo eziningi ezifanayo, kodwa ngemingcele ephakeme kanye nezinketho eziningi.
Lolu hlelo luhlinzekela ku-$ 50,000 kokuhamba kokukhansela kokuhamba, futhi inzuzo yokuphazamiseka kokuhamba kwezingu-150 amaphesenti wezindleko zokuhamba. Ezinye izinzuzo ezizodwa kulolu hlelo zihlanganisa kuze kufike ku-$ 1,000 ukuze kubuyele umoya uma kwenzeka ukuphazanyiswa ukuhamba uma imali yokuqala yezindleko zezindiza ingaphansi kwe $ 700, kuze kufike ku-$ 200 ukuze ubuyisele imali yelayisensi futhi kuze kufike ku-$ 200 ukuze kuphuze imishini yezemidlalo noma yegalufu.
Izinzuzo zezinye izimo ezivamile zokuhamba ziye zanda. Ngaphansi kwalolu hlelo, ungathola imali engama-$ 250 ekubuyiselweni ngosuku ngosuku kokulibazisa okuhamba nge $ 750, kuze kufike ku-$ 750 ukumboza ukuxhumeka okungahoxwanga, kuze kufike ku-$ 200 yezimpahla ezilimele. Uma izikhwama zakho noma ezinye izinto zakho zilahlekile, ungathola kuze kufike ku-$ 1,000 ukuze uphinde ugcine lezo zinto.
Ukuhlinzeka ngezokwelapha kunikeze imingcele ephakeme: uhlelo lweTravelex Travel Select luhlinzekela ku-$ 50,000 ekubhalisweni kwezindleko zezokwelapha, okufinyelela ku-$ 500 yokuvalwa kwamazinyo okuphuthumayo. Ukusuka okuphuthumayo nokubuyiselwa kwezinsalela nakho kwenyuka kuya kuma $ 500,000. Uma uthenga zingakapheli izinsuku ezingu-21 zokwenza ukukhokha kwakho kokuqala, ungakwazi futhi ukuthola ukufakwa okungeziwe, kufaka phakathi ukukhishwa kwesimo sokukhishwa kwesimo esandulele futhi ukukhansela noma ukuphazanyiswa ngenxa yokuzenzakalela kwezezimali. Lolu hlelo aluhlinzeki ngokukhansela noma ukuphazanyiswa ngenxa yezizathu zomsebenzi.
Ukufakwa kokuzikhethela kubandakanya ukukhansela noma yimuphi umshuwalense we-Reason, okuzokuvumela ukuba ukhansele uhambo lwakho ngesizathu esingaboniwe futhi uthole amaphesenti angama-75 okukhokhelwa kwakho kokuhamba, kanye ne-Assurance Accidental Death and Dismemberment yokuhamba emoyeni wenethiwekhi. Uma uhlela ukuhlanganyela emdlalweni we-adventure, njengokukhwela idwala, uhlelo olwengeziwe lwezemidlalo ye-adventure lungafakwa kulokhu kuthunyelwa . - I-Travelex Flight Ukuqinisekisa: Ngokungafani nezinye izinhlelo zomshuwalense wokuhamba nge-Travelex, i-Flight Insure ihlanganisa kuphela ukuthi yini engase ingahambi kahle ngenkathi ibhayela lapho uya khona. I-Flight Insure ingaphansi kwezinhlelo ezimbili ezitholakalayo, ezinezinketho ezintathu ze-Accidental Death nokukhunjulwa kokudumala ngenkathi zihamba ezindizeni eziphathekayo: $ 300,000, $ 500,000, noma $ 1 million ezikhungweni.
Le phrojekthi yomshuwalense wokuhamba nayo inikezela ku-$ 100 ekufundiseni ukulibala kokuhamba, kanye nosizo lokuhamba. Nakuba izinga lokubheka lilinganiselwe uma kuqhathaniswa nalokho ongayithola ngokusebenzisa amakhadi akho esikweletu , ngumkhiqizo omkhulu womshuwalense - okusho ukuthi uzokhokhela isimangalo sakho ngaphambi kokuba ezinye izinhlobo zomshuwalense ziphelelwe amandla.
Funda incwajana yomshuwalense. - I-Travelex Flight Iqinisekisa Ngaphezu: Lapho Ukuphepha Kwezindiza kuyinhlangano eyisisekelo yomshuwalense wezindiza, i-Flight Insure Plus iyiphakheji enamandla kakhulu ehlinzeka ngezinga eliphakeme lokuhlanganisa. Kubuye futhi, ukufakwa kwe-inshuwalense kuqala ngokukhetha izinga lakho lokubulawa kwe-Accidental nokuNqamula ukuNqamula ukuPhepha lapho uhamba ngezinkampani eziphathekayo: $ 300,000, $ 500,000 noma $ 1 million.
Ukusuka lapho, i-Flight Insure Plus inikeza ukwaziswa okungaphezulu kakhulu kunezinga eliyisisekelo lomshuwalense. Ngaphezu kokufika ku-$ 100 ekuhambeni kokubambezeleka kokuhamba, leli zinga lokusabalalisa libuye lifike ku-$ 1,000 emithwalo yempahla kanye nemiphumela yomuntu siqu, kuze kufike ku-$ 500 ekuthengisweni kwezimpahla zokubambezeleka, kuze kufike ku-$ 10,000 ekuhlinzekeni kwezokwelapha okuphuthumayo nge-sublimit yama-dental angu-$ 500, futhi $ 100,000 ekuphuthumeni kwezokwelapha eziphuthumayo kanye nokubuyela ekhaya.
Nakuba le nhlelo inikeza izinzuzo zomshuwalense wezokwelapha, ayinikeli isimo sokukhishwa kwesimo esandulele sokuthenga kwangaphambili. Esikhundleni salokho, lolu hlelo luza nesikhathi sokubukeka kwesimo sangaphambi kwezinsuku ezingama-180: uma unezimo zezokwelapha zenzeka ezinsukwini ezingu-180 zokugcina kusuka ohambweni lwakho, ngeke zihlanganiswe ngaphansi kwalolu hlelo.
Njenge-Travelex Flight Insurance, lokhu kuwumkhiqizo omkhulu womshuwalense. Ngakho-ke, lolu hlelo lungase lusebenze ngaphambi kwanoma yiziphi izinhlelo zomshuwalense ziphelile, kuye ngokuthi isimo sakho siyini.
Yini Okungeke Yenzeke I-Travelex Insurance Cover?
Njengawo onke amapulani omshuwalense, izinhlelo ze-Travelex Insurance Services zinemikhawulo eminingi yokuhlanganisa. Uma isimo sakho siwela ngaphansi kweyodwa yalezi zigaba, umshuwalense wakho wokuhamba ungavunyelwa.
- Ukulimala ngokweqile: Uma wena noma omunye ngaphansi kwepulani lakho uhlangabezana nesifo somkhuhlane wengqondo, ukwesaba noma wengqondo nokuzama ukuzilimaza, ngeke kutholakale umshuwalense wokuhamba. Uma ukhathazekile ngalokhu, kubalulekile ukucabangela uhlelo lokuphepha bese uhlola uma uhambo lungenzeka.
- Ukukhulelwa okujwayelekile noma ukubeletha: Njengenqubomgomo eminingi yomshuwalense wokuhamba, ukukhulelwa okujwayelekile noma ukubeletha phesheya akuhlanganiswa ngaphansi kwezinqubomgomo ze-Travelex Insurance Services. Noma kunjalo, izinkinga ezingalindelekile ezivela ekukhulelwe zingase zihlanganiswe ezimweni ezithile.
- Ukubamba iqhaza emidlalweni yezemidlalo ephezulu noma e-motorsports: Uma ungumdlali wezinga eliphezulu, kufanele wazi ukuthi uhlelo oluyisisekelo lomshuwalense wokuhamba ngeke lumboze noma yikuphi ukulimala komncintiswano.
- Ukukhuphuka intaba: Uma udinga ukukhipha izinkambo, amahange, ama-bolts, ama-crampons, abenzi bezinqola, noma ezinye izinto zokusebenza ezikhethekile ukukhuphukela entabeni, khona-ke uhlelo oluyisisekelo lungase lumboze i-adventure yakho. Cabanga ukungeza kwi-adventure sport add-on ohlelweni lwakho lomshuwalense uma ufuna ukukala izintaba.
- Ukulimala ngenxa yethonya lomuthi noma utshwala: Kholwa noma cha, ukuphuza ngokweqile kokuphuza utshwala kanye nezidakamizwa kubangele ukufa kwabantu abavakashela izivakashi ngaphezu kokwehla kwe-shark njalo ngonyaka. Uma ulimele ngenxa yokuphuza noma ukuphuza izidakamizwa, awukwazi ukumbozwa ngaphansi kwalolu hlelo.
- Ukuhamba okuthathwe ngokumelene neseluleko odokotela: uma udokotela wakho ekululeka ukuthi ungahambi, kungaba umqondo omuhle ukuhlala ekhaya. Uma uhamba noma yikuphi, umshuwalense wokuhamba kungenzeka angakwazi ukukusiza: uma kutholakala uhamba ngokumelene neseluleko sikadokotela, khona-ke isimangalo sakho singanqatshelwa.
- Ukubamba iqhaza emiphakathini yomphakathi: Kunezindlela ezingcono zokusiza ngenkathi phesheya ngaphandle kokuhlanganyela emibhikishweni noma kwezinye izifo zomphakathi. Uma ulimala noma ubulawe ngenxa yenkinga yomphakathi noma isenzo sempi, le nqubo yomshuwalense wokuhamba kungenzeka ingafihli isimangalo sakho.
- Ukuvakasha kwezokwelapha: Nakuba abantu abaningi abahamba bephuma e-United States ukuthola izindleko eziphansi emsebenzini, kuyindawo engathà sina kakhulu yezinkampani zomshuwalense. Nakuba abanye abanomshwalense wezezempilo bangase bahlanganise izinqubo zokuvakasha kwezokwelapha , izinkonzo ze-Travelex Insurance ngeke zimboze ukulimala ekuvakasheni kwezokwelapha.
Ngifaka kanjani isimangalo se-Travelex Insurance?
Uma unesimiso se-Travelex Insurance Services, ukuthi ufaka kanjani isimangalo kuzoxhomeka kulowo owathengile uhlelo lwakho kusuka. Ngeziphakamiso ezingenhla, izimangalo eziningi zingasungulwa ku-intanethi ngokuvakashela iwebhusayithi ye-Travelex Insurance Services futhi uthumele inombolo yakho yezinhlelo. Ungathola lolu lwazi ku-Inqubomgomo Yakho ye-Travelex, Incazelo Yokubambisana, noma Isiqiniseko Sokuxhumana.
Nakuba iningi lingathunyelwa ku-intanethi, abanye badinga ukuba ulande futhi ufake amafomu ekusetshenzisweni. Uma unemibuzo mayelana nokuthi isimangalo sakho sizocutshungulwa kanjani, xhumana ne-Travelex Insurance Services ngqo ku-1-800-228-9792.
Ubani Umshwalense We-Travelex Owungcono?
Ngokuvamile, imisebenzi ye-Insurance Travelex inikeza izinhlelo ezine ezinezinga ezihlukene zokuhlanganisa, okusho ukuthi kufanele uhlole ngokucophelela uhambo lwakho nemisebenzi ngaphambi kokuthenga uhlelo lomshwalense wokuhamba. Kusukela ekuhlaziyweni kwethu, sikholelwa ukuthi uhlelo oluhle kakhulu lwe-Travelex Insurance Services yiluhambo lwabo lwe-Travelex Travel Select, ngoba lunikeza ukutholakala okunamandla kakhulu ngezinketho ezinhle zokwengeza. Uma uhlela uhambo olude noma olubizayo, ikakhulukazi ezindaweni lapho ukunakekelwa kwezokwelapha okungase kungatholakali khona ngokushesha, i-Travelex Travel Select yindlela ongacabanga ngayo ngokulinganisa kwabo kwezokwelapha kanye nokwaziswa okusekelwe enkonzweni.
Ngaphambi kokuthenga ezinye izinhlelo ze-Travelex Insurance Services, qinisekisa ukuqonda ukuthi yiziphi ezinye amazinga okufinyelela okungenzeka unayo kakade. Ngoba izinhlelo ezimbili zihlanganisa izindiza kuphela, ngenkathi uhlelo lwe-Travelex Travel Basic lunemikhawulo ephansi yokuhamba kwesikhathi nokulibaziseka kwemithwalo, izinhlelo ezivela kumakhadi esikweletu noma ezinye izinhlelo zingase zinikezele ngokuningi ngaphandle kokuthengwa okungeziwe.