Yonke into ofuna ukuyifumana ngaphambi kokuba uthenge isicwangciso se-Insurance Travelex
Nangona engasayixhumeke ngokuthe ngqo kunye neenkampani zayo, i-Travelex Inkonzo ze-Inkonzo yiseNkxaso yeyona nkampani yezona nkampani ezithandwa kakhulu kwiinkampani zomshuwalense. Ukunikezela ngeemveliso ezine eziphambili, i-Travelex igxile kwiindleko eziphantsi kweendleko zabo abahamba ngeeholide zabo, ngokukodwa kwiindiza.
Ngaba i-Travelex Insurance Services kwi-radar yakho? Ukuba kunjalo, ngaba zikhethekileyo kwiimfuno ze-inshurensi zakho zokuhamba?
Senze uphando kwaye siphula umgca wokubhengezwa ukuze wenze ukhetho olufanelekileyo kwi-adventure yakho yamazwe ngamazwe alandelayo.
NgeeNkonzo zeNkxaso-mali ze-Travelex
Iinkonzo ze-Inkonzo zomshuwalense zaseTravelex zisekuqaleni zenziwe njengengalo yomshuwalense yenkampani ye-Mutual ye-Omaha, kwaye isekelwe kwi-Omaha, e-Nebraska. Ngowe-1996, inkampani yaseBrithani iTravelex Group yathengisa umniki-nkonzo we-inshurensi yokuhamba, ibuyisela inkampani phantsi kwegama elifanayo njengenkonzo yabo yokutshintshiselana ngemali. Olu lwalamano lwaphela kuphela iminyaka engama-20, xa iiNkonzo zeInkonzo ze-Intshuwalense ze-Travelex zathengiswa kwiqela lase-Australia eliKhuselekileyo, iqela elona lizwe elikhethekileyo kwi-inshurensi yokuhamba, uncedo lwezonyango kunye noncedo lomqeshi.
Nangona iQela elongezelelekileyo liyinkampani yase-Australia kwaye ithengiswa kwi-Stock Exchange yase-Australia, iiNkonzo ze-Travelex Insurance zibonelela ngemveliso yomshuwalense kubahamba ngeenxa zonke kwihlabathi. Inkampani ikhetheke ngokubanzi kwiiplani ze-inshurensi ezihamba phambili, kunye nezo zilungele ngqo iindiza.
IiNkonzo zeInkonzo zomshuwalense ze-Travelex zilinganiswa njani?
Nangona iinkonzo ze-Travelex Insurance zakuba ziyingxenye ye-Mutual ye-Omaha, okanye inkampani yabo yabazali bokuqala okanye inkampani yabo yangoku, ingabhalisa i-inshorensi. Kunoko, iipolisi zibhalwa yi-Berkshire Hathaway Specialty Insurance Company, eyayibizwa ngokuba yi-Stonewall Insurance Inkampani.
AM Best Services Ratings inikezela iBrkshire Hathaway Specialty Insurance Company inkampani yabo yokulinganisa, i-A ++ Superior, enekamva elilindelekileyo kwikamva.
Ngoxa i-Berkshire Hathaway ibhala phantsi kweenkonzo ze-Travelex Insurance ezine ezinezinto eziphambili, akufanele kudideke ne- Berkshire Hathaway Trip Protection . Ezi zinto zimbini zihluke ngokupheleleyo, zineenzuzo ezahlukeneyo ze-inshorensi, amanqanaba omsebenzi kunye ne-inshorensi.
Ukubonelela ngeenkonzo zabathengi, i-Travelex IiNkonzo ze-Intshurensi ziye zafumana amanqaku aphezulu ngamabango angabaniyo ngenzuzo yabathengi kunye nokuqhathaniswa kwe-inshurensi yokuhamba kwendawo yokuthenga i-Squaremouth Imicimbi yabathengi, iiNkonzo zeNkxaso-mali ze-Travelex zifumene ukwaneliseka okwanelisayo ka-4.5 kuqala ezintlanu, baninzi babonisa ukwaneliseka kwabo ngokuphendula imibuzo nge-inshorensi, kunye neenkqubo zamabango. Abasebenzisi be-Squaremouth banikezela umniki-inshorensi isigaba esiphezulu se-4.45 iinkwenkwezi ezintlanu, kunye neeplani ezingama-49,000 ezithengiswayo.
Izimvo ezingathandekiyo kwiiwebhsayithi ezijoliswe kwixabiso lezicwangciso ze-inshorensi zokuhamba, kwakunye nesevisi jikelele yabathengi. Ukuhlaziywa okungekho nto kubangele ukuba izicwangciso zabo azizange zifake iimeko ezikhawulezileyo ngexesha lokuhamba, ngelixa abahambahambayo abadala bathi izicwangciso ze-inshorensi zixabiso eliphezulu ngokusekelwe kwiminyaka yobudala.
Ziziphi iikhompyutheni ze-inshurensi ezihambayo IiNkonzo ze-Inkonzo zomshuwalense?
Iinkonzo ze-insure ze-Travelex zinika izicwangciso ezine eziphambili kubahambi: iinkqubo ezimbini zokuhamba nge-inshorensi yokuhamba, kunye nezo zimbini ezihambelana ngqo namava e-flight. Zonke izicwangciso ze-inshorensi zinikeza ithuba lokujonga lemihla lemihla ngemihla eli-15 ngokukhululeka kokukhululeka ukuba awuzange ushiye uhambo lwakho okanye ufake ifowuni, inzuzo eyongezelelweyo yokuthenga kwangaphambili (kubandakanywa nokukhishwa kwangaphambili kwemeko), ukukhutshwa kwangundoqo kwabo bonke abahambi kwisicwangciso , iindleko zokulibaziseka kokuhamba kuzo zonke iinjongo zomshuwalense. Ngokuxhomekeke kuhlobo luni lohambo othabathayo kunye nemisebenzi oceba ukuyenza, icebo ngalinye le-inshurensi yokuhamba linikeza into eyahlukileyo yokuqwalasela.
Nceda uqaphele: zonke iishedyuli zezibonelelo ziya kutshintsha. Ngolwazi oluphezulu lokufikelela kwirejista, qha ga mshelana ne-Travelex Insurance Services.
- I-Basic Travelex Travel Travel: I-inshorensi yeyona ndlela ephantsi kakhulu ye-inshurensi yokuhamba, iTravelex Travel Basic iyisicwangciso senkonzo yomshuwalense wokuhamba ngezinga lokungena. Abahambi ngaphantsi kwesi sicwangciso banokufumana ukuya kwi-100 yeepesenti zabo uhambo lwe-inshorensi ixabisa ukuya kuma-10 000 ahlawulweyo kwizizathu zokucinywa okanye ukuphazamiseka, okanye i-$ 200,000 kuzo zonke izihambi kwisicwangciso esifanayo. Ukongezelela, ukuba uhlawula uhambo lwakho kumaphulo okanye iekhilomitha, unako ukufumana inzuzo yokuhamba ngeentlawulo ezingama-$ 200 ukuze uphinde uhlawule iifizi ukuba unyanzelekile ukuba ukhansele uhambo lwakho kwiimeko ezixutywe.
Esi cwangciso siza kunye nexesha lokulibaziseka lokuhamba kwe-$ 250 ngosuku, ngenzuzo eninzi yama-500. Izinzuzo zokulibaziseka kwempahla zifakwe kwi-$ 100, kunye nemithwalo ephezulu elahlekileyo kunye nempembelelo eyimfuneko ye-$ 500.
Inkcazo yeendleko zonyango ifakwe kwi $ 15,000, kunye ne-$ 500 eyongezelelweyo kwiinkonzo zamayeza eziphuthumayo. Kwimeko apho ungadinga ukuphuma kwimeko yongxamiseko, okanye i-remains of traveler kufuneka ibuyiselwe ekhaya, ezo zibonelelo ziphezulu kuma $ 100,000. Ezi ntlawulo zisebenza kuphela xa uhamba ubuncinane ubunzima beekhilomitha ezili-100 ukusuka kwikhaya lakho eliphambili.
Ukuba unako ukuthenga ngaphakathi kweentsuku ezili-15 kwintlawulo yakho yokuqala yokuhamba, unako ukufumana izibonelelo ezintathu ezongezelelweyo: ukulungiswa kwemeko ekhoyo ngaphambili , kunye nokuphazamiseka kohambo ngenxa yokungahlawulwanga kwemali okanye izizathu zomsebenzi. Iintlawulo ezikhethiweyo zibandakanya umoya oqhelekileyo wokuhamba ngokukhawuleza kokufa kunye nokuqhawulwa, kunye nokukhawulelwa kwemoto yokuqhawula imoto.
Funda ishedyuli yeenzuzo - I-Travelex Uhambo olukhethiweyo: Ukulungiselela abahambi abacwangcisa ixesha elide, cwangcisa ekuthatheni inxaxheba kwimisebenzi enobungozi ngelixa behamba, okanye bafuna izinga eliphezulu lokuhamba, iTravelex inikezela ngeTravelex Travel Select. Ngokufana ne-Travelex Travel Basic, icebo le-inshurensi yohambo libonelela ngeenzuzo ezininzi ezifanayo, kodwa kunye nemida ephakamileyo kunye nezinye iinketho.
Esi sicwangciso sinika u-$ 50,000 wohambo lokukhansela ukukhutshwa, kunye nokufumana ukuphazamiseka kohambo lokufikelela kwii-150 kwiindleko zokuhamba. Ezinye izibonelelo ezikuphela kwesi sicwangciso ziquka ukuya ku-$ 1,000 ukuze kubuyele umoya xa kwenzeka ukuphazamiseka kohambo xa ixabiso lokuqala lomoya liphantsi kweedola ezingama-700, ukuya kuma-$ 200 ukubuyisela iimali zelayisensi kunye nokufikelela kuma-$ 200 ngenxa yokulibaziseka kwezemidlalo okanye i-golf.
Iintlobo zezinye iimeko eziqhelekileyo zokuhamba ziye zanda. Ngaphantsi kwesi cwangciso, unokufumana i-$ 250 ekubuyiselweni kwemali ngosuku lokubambezeleka kokuhamba nge-$ 750, ukuya kwi-$ 750 ukukhawulela uxhulumaniso olulahlekileyo, uze ufike kwi-$ 200 yeempahla. Ukuba iingxowa zakho okanye ezinye izinto zakho zilahlekile, unokufumana i-$ 1,000 ukuze uphinde ufumane ezo zinto.
Ukunikwa kwezonyango kunika imida ephakamileyo: Isicwangciso seTravelex Travel Select sinika ama-$ 50,000 kwiinkcukacha zeendleko zonyango, kunye ne-$ 500 yezibonelelo zamayeza eziphuthumayo. Ukuphuma ngokukhawulezileyo kunye nokubuyiselwa kwamatye kuya kwandiswa ukuya kuma-500,000. Xa uthengela iintsuku ezingama-21 zokwenza intlawulo yakho yokuqala, unokufumana ilungelo lokufumana ingqalelo, kubandakanywa imeko ekhoyo ngaphambili yokukhutshwa nokukhutshwa okanye ukuphazanyiswa ngenxa yokungahlawulwanga kwemali. Esi sicwangciso asinikezeli ukukhanselwa kohambo okanye ukuphazanyiswa ngenxa yezizathu zomsebenzi.
Inkcazo yokuzikhethela ibandakanya ukuChoxisa nayiphi na i-inshuwalense yesizathu, enokukuvumela ukuba ukhansele uhambo lwakho ngesizathu esingabonakaliyo kwaye ufumene iipesenti ezingama-75 zeentlawulo zakho zokuhamba, kunye ne-Inthanethi eyongezelelekileyo yokuFazeka kunye neNkonkcenkceshelo yokuKhulelwa kwe-Arhente yokuhamba kwi-air carrier. Ukuba uceba ukuthatha inxaxheba kwimidlalo ye-adventure, njengokwenyuka kwamadwala, isicwangciso esongezelelweyo sezemidlalo esongeziweyo singenakongezwa kule ngxelo . - I-Travelex Flight Qinisekisa: Ngokungafani nezinye iinjongo ze-inshorensi zokuhamba nge-Travelex, i-Flight Insure iquka kuphela into engafanelekanga xa uhamba ngokuya kwindawo oya kuyo. I-Flight Insure iyona ephantsi kwezicwangciso ezimbini ezikhoyo, kunye neendlela ezintathu zokuKhuselana ngokuPhepha nokuPhelelwa koKhuselo ngenkathi zihamba ngeenqwelo eziqhelekileyo: $ 300,000, i-500,000, okanye i-$ 1 yezigidi kwi-coverage.
Isicwangciso se-inshurensi yohambo sinikezela ukuya kwii-100 zamaziko ekuhlaleni ukulibaziseka, kunye nokuncedisa ukuhamba. Nangona inqanaba lokubhengezwa lilingana nantoni na ongayifumana ngeekhadi lakho lekhredithi , ngumkhiqizo womshuwalense oyintloko-oku kuthetha ukuba uza kuhlawula ibango lakho phambi kokuba ezinye iifom zomshuwalense ziphelile.
Funda incwadana ye-inshorensi. - I-Travelex Flight Ukuqinisekisa ngakumbi: apho i-Flight Insure iyisisiseko somshuwalense wendiza, i-Flight Insure Plus yiphakheji ethe xaxa enika izinga eliphezulu. Kwakhona kwakhona, u-inshurensi uqala ngokukhetha inqanaba lakho lokufa ngokukhawuleza kunye nokukhawuleza ukukhawuleza xa ubhaqa umphathiswa oqhelekileyo: $ 300,000, i-$ 500,000 okanye i-$ 1 yezigidi.
Ukusuka apho, i-Flight Insure Plus inikezela ngokubanzi ukugqithisa kunqanaba le-inshorensi. Ukongezelela ukuya kuma-$ 100 ekuhambiseni ukulibaziseka kwexesha, eli nqanaba lokukhawuleza liza kunye ne-$ 1,000 kwimithwalo yempahla kunye nempembelelo yokubambisana, ukuya kwi-$ 500 kwimali yokubambezeleka kwempahla, ukuya kuma-$ 10,000 kwindlela yokuxhatshazwa kwonyango kunye ne-sublimit yama-$ 500. I-100,000 i-$ 000 kwiimeko zokuphucula unyango ngokukhawuleza kunye nokubuyela ekhaya.
Nangona esi sicwangciso sinikela ngenzuzo ye-inshorensi yezobisi, ayikunikezeli ngokutsha kwexesha elikhoyo phambi kokuthengwa kwangaphambili. Esikhundleni salo, isicwangciso sifike kwixesha elibuyiselwayo lexesha eli-180 elide likhona: ukuba unempilo yonyango eyenzekayo kwiintsuku ezili-180 zokugqibela ukusuka ekuhambeni kwakho, akunakufakwa phantsi kwesi sicwangciso.
Njengo-Travelex Inqwelo-moya yeNqwelo-moya, lo ngumkhiqizo womshuwalense oyintloko. Ngenxa yoko, esi sicwangciso sinokusetyenziswa ngaphambi kokuba nayiphi na iiplani zomshuwalense ziphelile, kuxhomekeke kwimeko yakho.
Yintoni eNgayi kuKhutshwa kweNgxowa-mali yomshuwalense?
Njengazo zonke izicwangciso ze-inshorensi, izicwangciso zeeNkonzo ze-Inkonzo zomshuwalense zinemiqathango emininzi. Ukuba imeko yakho iwa phantsi kwelinye lala manqaku, i-inshurensi yakho yokuhamba ingavunyelwa.
- Ukulimala ngokwasemthethweni: Ukuba wena okanye umntu ongaphantsi kwecebo lakho ufumana isiganeko sengqondo yengqondo, isifo okanye isifo sengqondo kunye nokuzama ukuzilimaza, akuyi kubakho i-inshurensi yokuhamba. Ukuba ukhathazekile ngale nto, kubalulekile ukuqwalasela isicwangciso sokhuseleko kwaye uhlole ukuba uhambo luya kwenzeka.
- Ukukhulelwa okuqhelekileyo okanye ukubeleka: Njengokuba kuninzi inqubomgomo yomshuwalense yokuhamba, ukukhulelwa okuqhelekileyo okanye ukubeletha ngaphandle kwamanye amazwe akugcini phantsi kweenkqubo zeeNkonzo ze-Inkonzo ze-Insurance. Nangona kunjalo, iingxaki ezingalindelekanga ukusuka ekukhulelwe zingabhekiswa kwiimeko ezithile.
- Ukuthatha inxaxheba kwimicimbi yezemidlalo okanye i-motorsports: Ukuba ungumdlali wezemidlalo, kufuneka uvele uqaphela ukuba isicwangciso senqwelo-mali esisisiseko asiyi kugubungela nayiphi na inzakalo kukhuphiswano.
- Ukunyuka kwentaba: Ukuba ufuna i-pick-axxes, anchors, bolts, crampons, i-carabineers, okanye ezinye izixhobo ezikhethekileyo ukunyuka kwentaba, ngoko isicwangciso esisisiseko asikwazi ukusibekela i-adventure yakho. Cinga ukongeza kwi-sport adventure eyongezelelweyo kwisicwangciso sakho se-inshurensi ukuba ufuna ukukhupha iintaba.
- Ukulimala ngenxa yempembelelo yeziyobisi okanye yotywala: Kholwa okanye akunjalo, ukugqithisa ngokukhawuleza kokusela kotywala kunye neziyobisi kubangele ukufa kwabakhenkethi ngaphezu kokuhlaselwa kwehaki minyaka yonke. Ukuba uyalimala ngenxa yokusela okanye ukusela iziyobisi, awuyi kuhlanganiswa phantsi kwesi sicwangciso.
- Uhambo oluthatyathwe malunga neengcebiso zoogqirha: ukuba ugqirha wakho ekucebisa ukuba ungahambi, kungenokuba yinto efanelekileyo ukuhlala ekhaya. Ukuba uhamba ngenye indlela, i-inshurensi yokuhamba iyakwazi ukuncedisa: ukuba ifumaneka uhamba nxamnye neengcebiso zegqirha, ngoko ibango lakho lingavunyelwa.
- Ukuthatha inxaxheba kwingxaki yomntu: Kukho iindlela ezingcono zokunceda ngelixa phesheya ngaphandle kokuthatha inxaxheba kumbhikisho okanye kwenye ingxaki yomntu. Ukuba uyalimala okanye ubulawe ngenxa yesifo somntu okanye isenzo semfazwe, le plan ye-inshurensi yokuhamba ingabonakali ibango lakho.
- Ukhenketho lwezonyango: Nangona abahambahambayo abaninzi bashiya iUnited States ukuba bafune iindleko ezisezantsi kwimisebenzi, yindawo ebomvu yenkampani ye-inshorensi. Ngelixa ezinye i- insurers zempilo zijongene nenkqubo yokukhenketho lwezokwelapha , iiNkonzo ze-Travelex Insurance ziza kubangelwa ukulimala kwezokhenketho lwezokwelapha.
Ndingayifaka njani ibango nge-Insurance ye-Travelex?
Ukuba unesiCwangciso seNkonzo ye-Inkonzo yomshuwalense, indlela ofaka ifowuni iya kuxhomekeka kuyo ngubani uthenge isicwangciso sakho. Ngezicwangciso ezingasentla, amabango amaninzi angaqaliswa kwi-intanethi ngokutyelela kwiwebsite ye-Travelex Insurance Services kunye nokuthumela inombolo yakho yesicwangciso. Ungayifumana le ngcaciso kwi-Travelex Policy, Inkcazo yoPhulo, okanye iSiqinisekiso soBungqina.
Ngelixa ezininzi zingeniswa kwi-intanethi, ezinye zifuna ukuba ulande kunye nefom yefom kwi-processing. Ukuba unemibuzo malunga nendlela ibango lakho liza kuqhutywa ngayo, qha ga mshelana ne-Travelex Insurance Services ngqo kwi-1-800-228-9792.
Ubani i-Travelex Insurance?
Ngokubanzi, iiNkonzo zeNtshumo ze-Travelex zinika izicwangciso ezine kunye namazinga ahlukeneyo omsebenzi, oku kuthetha ukuba kufuneka uhlolisise uhambo lwakho kunye nemisebenzi ngaphambi kokuthenga isicwangciso se-inshurensi yokuhamba. Ukususela ekuhlalutheni kwethu, sikholelwa ukuba iSicwangciso seNkonzo ye-Inkonzo ye-Insurance Travelex yeyona ndlela ihamba phambili yiTravelex Travel Select, ngenxa yokuba inikezela ngokukhawuleza kuninzi kunye neendlela ezintle zokongeza. Ukuba uceba uhambo olude okanye olubi, ngokukodwa kwiindawo apho ukunakekelwa kwezonyango kungenakufikeleleka ngokukhawuleza, i-Travelex Travel Select yisicwangciso ongayicinga ngokubaluleka kwenkxaso yezokwelapha kunye nenkxaso-esekelwe kwinkonzo.
Ngaphambi kokuthenga ezinye izicwangciso zeeNkonzo ze-Inkonzo zomshuwalense, qi Ngenxa yokuba izicwangciso ezimbini zihlanganisa iindiza kuphela, ngelixa isicwangciso seTravelex Basic Basic sineemida eziphantsi zokukhawuleza ukuhamba kunye nokubambezeleka kwemithwalo, izicwangciso ezisusela kumakhadi-mboleko okanye ezinye iiplani zinokunika inkxaso engakumbi ngaphandle kokuthenga okungekho.