Yonke into ofuna ukuyifumana ngaphambi kokuba uthenge i-AIG yeenqwelo ze-inshorensi zokuhamba
Ukususela ngo-1985, i-AIG Travel iye yanikela ngeendlela zomshuwalense wokuhamba kubahambi abaninzi. Udidi olusesikweni kwipropati kunye ne-inshorensi yecala, inkampani inikeza isisombululo se-inshorensi kubantu abajikeleze ihlabathi.
Ukuba uthenge isicwangciso se-inshurensi yohambo kwithuba elidlulileyo, kusenokwenzeka ukuba linikezelwe ngu-AIG Travel ngaphandle kwakho nokuba uyakwazi: inkampani nayo idala imigaqo-nkqubo yamasiko amaninzi amashishini ase-inshurensi amancinci, ii-airports kunye namaqela okuhamba.
Ngaba i-AIG ihamba nekhampani efanelekileyo yohambo lwakho?
Malunga nohambo lwe-AIG
I-Guard Guard ayizange ibe yindawo eyayiyinxalenye ye-AIG ngowe-1982, kodwa kunoko ngumthengisi owafumana ithuba kwindawo yokuthengisa. Emva kweminyaka emithathu yokucwangcisa, inkampani yanikela ngemigaqo-nkqubo yokuqala ngo-1985, ngaphambi kokuthenga i-ejensi yokuhamba ngo-1987. Phakathi kowe-1987 no-2006, le nkampani yandisa kakhulu imisebenzi yawo ngamazwe ngamazwe, ihambisa iinkqubo ze-inshorensi zokuhamba kwi-United States naseCanada.
Ngeendlela ezininzi zokuthenga, i-Travel Guard ekugqibeleni ithengwa ngu-AIG ngo-2006 Namhlanje, inkampani ikwase-Houston, eTexas, ikhonza abahambi kumazwe angaphezu kwe-100 kunye nemigunya ngeendawo ezisibhozo zeenkonzo zehlabathi jikelele, kwaye ziquka: Houston, eTexas; Stevens Point, Wisconsin; Kuala Lumpur, Malaysia; Bogotá, Colombia; Sofia, eBulgaria; Okinawa, eJapan; Shoreham, eNgilani; kunye neTenzhou, eChina.
Uhambo lwe-AIG luvakaliswe njani?
Iipolisi ze-AIG zokuhamba zibhaliswe yiNkampani yeNshishino Yomshumo woMlilo we-National Union yasePittsburgh, ePa., Enye incediso ye-AIG. Ngomhla we-Meyi 23, 2017, umbhali womgaqo-nkqubo unomlinganiselo ongcono we-AM, ubeka kwi-"Excellent" i-credit category kunye nombono ozinzile.
Ukunikwa kwabaxhasi, i-AIG Travel ijongwa kakhulu kwiintengiso ezinkulu ze-inshurensi ezintathu.
Ngeengxelo ezingaphezulu kwama-170, i-AIG Travel ine-star rating ye-TravelInsurance.com, enezinga lokuphakamisa i-98%. Abaxhasi ba-InsureMyTrip.com banikezela inkampani 4.56 iinkwenkwezi (kwiihlanu). Nangona iCalmmouth.com ingasaniki iipolisi ze-AIG zokuhamba, abathengi bangaphaya banike inkampani 4.46 iinkwenkwezi (eziphuma ezintlanu), kunye neepesenti ezingaphantsi kweepesenti zokuvavanya.
I-inshurensi yokuhamba njani i-AIG yohambo?
I-AIG Travel inikeza izicwangciso ezine zabathengi, ngokusekelwe kwiimfuno zabo kunye nezicwangciso zokuhamba: Isiseko, iSiliva, iGold nePlatinum. Nangona isicwangciso esiyisiseko asifumaneki ngokuthe ngqo kwi-AIG Travel, sinokuthengwa ngeemarike ezifana ne-TravelInsurance.com. Zonke izicwangciso ze-inshorensi zokuhamba ziquka uncedo lwezohambo lwezohambo, uncedo lokuhamba ngehlabathi lonke, Usizo lwe-LiveTravel® olukhuselekileyo kunye noncedo lokhuseleko lwabantu, kodwa lusebenza kuphela xa abahambi bangenani ezili-100 ukusuka kude.
Nceda uqaphele: zonke iishedyuli zezibonelelo ziya kutshintsha. Ngolwazi oluphezulu lokufikelela kwikhompyutha, qha ga mshelana ne-AIG Travel.
- IsiQinisekiso soKhuseleko: Uhambo loKhuseleko oluSisiseko lizinga eliphantsi kunazo zonke ezifumaneka kwi-AIG Travel Guard, kunye neenzuzo ezincinci zokuhamba ukukhansela , ukuphazamiseka kokuhamba nokuhamba kwexesha . Isicwangciso esisisiseko sinika iipesenti ezingama-100 zokuhanjiswa kokuhamba okanye ukuhamba ukuphazamiseka kweziganeko (ukuya kwii-100 000 zamawaka), kodwa kunokufakeka kwezinto eziphantsi kakhulu zokubuya kwi-airfare ngenxa yokuphazamiseka kokuhamba (i-$ 500 ubuninzi), ukulibaziseka kokuhamba (ubuninzi bee-100 ngosuku, ukuya kuma-$ 500 ), ukulahlekelwa kwempahla (i-$ 500 ngaphambi kokuba ihlawulwe imali engama-$ 50) kunye nokulibaziseka kwempahla (i-$ 100 ubuninzi). Isicwangciso esisiseko sibandakanya umgaqo-nkqubo wokulimala wemoto yokuqeshisa kwinqanaba elongezelelweyo, kodwa alubandakanyi iindlela zokukhethwa kwimeko yonyango ekhoyo ngaphambili okanye ukufa ngokukhawuleza. Funda ishedyuli yeenzuzo apha.
- Isilivere Sokuhamba Ngesilivere: I-Silver Guard ye- Travel iyona nqanaba elona liphantsi kakhulu elifumaneka ngokuthe ngqo ngo-AIG Travel Guard. Ukuchazwa ngokuthi "ukukhutshwa kwe-savvy ekunceda uxolo lwengqondo kwisabelo-mali," I-Silver Guard yesiliva inikeza izibonelelo ezinobunzima bokubambezeleka kwempahla kunye nokulahlekelwa kwemithwalo (i-$ 750; Esi sicwangciso sinikezela ngokukhawuleza ngokukhawuleza kwimeko yezobugqirha esele ikhona ngaphambili, ukukhanselwa kokuhamba okanye ukuphazanyiswa ngenxa yokungahlawulwanga kwemali kunye nesibonelelo esongezelelweyo sezindiza. Ngokuqhelekileyo, abahambi abakhetha ukuthenga i-Travel Guard Silver kwi-Travel Guard basisiseko banokulindela ukuhlawula malunga ne-2.5% ngaphezulu. Funda ishedyuli yeenzuzo apha.
- IGold Guard Guard: Isicwangciso esithandwa kakhulu senziwa ngu-AIG Travel Guard, i-Travel Guard Balance iindleko ze-inshurensi ngeendleko zeenzuzo. Isicwangciso seGolide sinikela ngemali engaphezulu yokuphazamiseka kokuhamba (ama-150 ekhulwini, ukuya kuma-150,000 aphezulu), buyela e-airfare ngenxa yokuphazamiseka kokuhamba (ngaphezulu kwe-$ 750 okanye i-150 ekhulwini yeendleko zokuhamba) kunye nokukhawuleza ukuhamba (ii-$ 150 ngosuku ukuya phezulu) $ 750 iyonke). Esi sicwangciso sichaza iintlawulo ezongezelelweyo, kubandakanywa ukulahleka kwephepha lokuhamba (ukuya ku-$ 1,000), ukulibaziseka kwempahla (i-$ 300) kunye nokukhutshwa kokuxhunywa koxhumo (kufika kwi-$ 250).
Xa kuthengwa zingadlulanga iintsuku ezili-15 zokuhlawula kokuqala, abahambi nabo banokuthi bahlawulelwe ukukhutshwa kwemeko ekhoyo ngaphambili, ukukhanselwa kohambo okanye ukuphazanyiswa ngenxa yokungahlawulwanga kwemali kunye nokukhutshwa kweprayimari kwindleko zonyango lwezonyango. Amanqanaba okukhawulela okukhethiweyo afaka ukuChoxisa nayiphi na i-inshuwalense yesizathu (ukuya kuma-50 ekhulwini kwiindleko zokuhamba nge-insured), ukuhanjiswa kwemoto yokuqhaqha imoto kunye nokuphuculwa kweendleko zonyango kunye nokukhutshwa kwexesha lokukhawuleza. Ngaphambi kokuba naluphi na umcimbi wokuzikhethela, lindela ukuhlawula ngaphezulu kweepesenti ezingama-20 ze-Travel Guard Gold xa kuthelekiswa neSiliver Guard Guard. Funda ishedyuli yeenzuzo apha.
- I-Guard Guard Platinum: I- Guard Guard Platinum yinqanaba eliphezulu le-coverage elinikezwa ngu-AIG Travel Guard, enenqanaba elikhulu leenzuzo. Ukongeza ekuhambeni kokukhanselwa kunye nokuhamba kokuphazamiseka kohambo, abahambi banokufumana i-$ 1,000 yokuhamba ngomoya ngenxa yokuphazamiseka kokuhamba, iintlawulo zexesha lokulibazisa ukuya kwii-$ 200 ngosuku (i-$ 1,000 ubuninzi) kunye no-$ 500 kwizibonelelo zonxibelelwano ezingekho phantsi.
NjengeGold Guard Gold, abahambahambayo abathengisa umgaqo wabo kwiintsuku ezili-15 zokuhlawula kwabo kokuqala, bangaphinda bafumane imeko yezobugqirha esele ikhona ngaphambili, ukukhanselwa kokuhamba okanye ukuphazanyiswa kwemali ngenxa yokungahlawulwanga kwemali, ukugula okuphambili kwengozi yokukhutshwa kweendleko zempilo kunye nemithwalo eyimpahla ephambili. iimpembelelo zomntu siqu. I-add-on policy enokukhetha iquka ukuChoxisa nayiphi na isizathu (ukuya kuma-50 ekhulwini kwiindleko zokuhamba nge-insured), ukuhanjiswa kwemoto yokuqhawula imoto, kunye nokuphuculwa kwezokwelapha.
Ngenxa yokuba i-Travel Guard Platinum iyona nqanaba eliphezulu leencwadi ezifumanekayo, libuye libiza kakhulu: abahambi kufuneka balindele ukuhlawula phakathi kwama-50 no-60 ekhulwini ngaphezu kweGold Guard Gold ngaphambi kokunye okungezelelweyo. Funda ishedyuli yeenzuzo apha.
Yintoni Engazange ihambe nge-Aig Cover Cover?
Ngoxa i-AIG Travel inikeza izicwangciso zokujonga imiba ehamba phambili yeendlela zokuhamba, abayi kubakhokelela yonke into. Iimeko ezingabandakanywa ziquka:
- Ukulimala okuzimele: Ukuba unenkathazo xa uhamba, kukho iindlela zokufumana uncedo kuyo yonke ihlabathi. Qaphela ukuba unonophelo lwempilo yengqondo alunakufunyanwa yicebo lakho le-inshurensi yokuhamba.
- Ukukhulelwa okanye ukubeletha: Ukuba uceba uhambo kwaye ukhulelwe, xubusha uhambo lwakho nogqirha wakho kuqala phambi kwamatikiti okubhuka. Kwiimeko ezininzi, ukukhulelwa okanye ukubeletha akuhlanganiswa phantsi kwee-AIG zohambo.
- Imisebenzi enobungozi: Ukucwangcisa ukunyuka kweentaba, ukuhamba ngemoto, okanye ukuthatha inxaxheba kumcimbi wezemidlalo? Zonke ezi ziimeko azihlanganiswa phantsi kwee-AIG zohambo.
- Ukuthatha inxaxheba kwingxaki yomntu, ukuphazamiseka, okanye ukuvukela: Nangona kukho ezininzi izinto ezibalulekileyo ezifunekayo zokubhikisha, ukuzithatha kwelinye ilizwe akucebisi ngecebo le-AIG Travel. Kunoko, cinga ukuthatha uhambo lokuzithandela kwelinye ilizwe endaweni yoko.
- Ukulahlekelwa kwempahla kwizinto ezithathwe nguorhulumente okanye amagosa amasiko: Ngaphambi kokuba ubuyele ekhaya, qiniseka ukuba uya kuqonda into enokuthi (mhlawumbi ingenayo) ingavunyelwa kwilizwe lakho. Ukuba ukholelwa ukuba izinto zakho zibiwe ngamagosa okanye oLawulo lwezokuThuthwa koThutho , kukho umgaqo-nkqubo ohlukile wokubika abo balahlekileyo.
- Ukulahlekelwa kwemithwalo yama-eyeglasses, izibuko zelanga, okanye izixhobo zokuvalelwa: Njengomgaqo-jikelele, abahambi kufuneka bahlale bephethe iiglasi kunye neyeza kwiimithwalo zabo. Ukulahleka okanye ukutshintshwa kweemboniselo zembonakalo zembonkethi akufakwe kwi-AIG Travel.
Olu luhlu olufingqiweyo lweemeko ezingenakufakwa phantsi kwe-AIG zohambo lwe-inshurensi yohambo. Uluhlu olupheleleyo, bhekisa kwishedyuli yezibonelelo zesicwangciso ngasinye, ezidibaniswe kumxholo ongentla.
Ndingayifaka njani ibango kunye ne-AIG Travel?
Abahambi abazithengile isicwangciso se-AIG Travel eUnited States bangaqala izibango zabo kwi-intanethi. Emva kokuqala i-akhawunti kwi-intanethi, abahambi bangafaka iifowuni kwiimeko eziqhelekileyo, kubandakanywa ukukhanselwa kokuhamba, ukulahlekelwa kwempahla kunye nokulibaziseka kohambo. Abaphathi beepolisi banokufumana iimfuno zamaphepha e-intanethi, kunye nokufumana ukuhlaziywa kwi-intanethi. Abo banemibuzo malunga nemigaqo-nkqubo okanye amabango bangabiza i-AIG Travel ngqo kwi-1-866-478-8222.
I-intanethi yamatyala e-intanethi itholakala kuphela kubahambi baseMerika abathengile iinjongo zomshuwalense kwezohambo e-United States. Bonke abanye abahambahambayo kufuneka baqhagamshelane ne-AIG Ukuhamba ngokukhawuleza ngefowuni yabo enikezelweyo ukuqala inkqubo yamabango.
Ngubani u-AIG ohamba phambili?
Kwinqanaba leSiseko kunye neSiliva, i-AIG Travel yindlela ephambili ye-inshurensi yokuhamba eyinqanaba eliqhelekileyo elinokubambisa abo abangenayo i-travel coverage ngekhadi lesikweletu, okanye mhlawumbi banokufikelela kwisicwangciso se-inshurensi yohambo. Ngaphambi kokuqwalasela ezinye zezicwangciso zee-AIG zohambo, qiniseka ukuba ukhangele ukuba sele unayo i-inshurensi yokuhamba ngokuhlawula uhambo lwakho kunye nekhadi lesikweletu, okanye usebenzisa amanye amanani ekhadi lokuthenga ngetyala.
Ukuba uceba uhambo olubanzi lwamazwe ngamazwe, okanye uhamba uhambo olukhulu oluya kumgca wokuhamba, i-AIG Travel Gold nePlatinum inokunikela ngegalelo elingcono kunekhadi lesikweletu. Ngamazinga amaninzi enzuzo kunye nokukhawulelwa okuye kwakhelwe kwiimeko ezikhoyo ngaphambili xa kuthengwa kwiintsuku ezili-15 zokuqala kwentlawulo yokuhamba, iGolide nePlatinum ingaba bhetele bhetele kulabo abachitha imali kwiholide enkulu kwaye bafuna ukuqinisekisa uhambo lwabo luhamba kakuhle. Ngezinto ezithengiweyo ezithengiweyo ukuqinisekisa ukufihlaka kweprayimari kwimeko yokukhawuleza yokufakela ibango,
Ngokubanzi, iiplani ze-AIG zohambo ziphakathi kwezona zinto zifumanekayo namhlanje-kwaye kufuneka ziqwalaselwe ngokuqinisekileyo ukuba uhamba kude nekhaya okanye uhambe emkhombeni wenqanawa ixesha elide.