Matafiya masu jijiya suna neman 'inshorar sallama'

Shin maigidan naku yana ɗaga gira lokacin da kuka nemi tsara lokacin hutu?

Wataƙila kuna buƙatar inshorar kora don hutunku na gaba.

Tare da layoffs da yawa a cikin labarai, kamfanonin inshora na balaguro da masu samarwa suna ganin ƙarin sha'awar manufofinsu - yawancinsu suna ba da kuɗi ga mutanen da aka sallama kafin a shirya jigilar su zuwa babban hutu.

Manufofin yawanci suna kashe ɗan ƙaramin kaso na farashin tafiya, ya danganta da wasu abubuwan haɗari. Misali, kunshin da ya hada da inshorar sallamawa kan tafiya dala 2,000 zuwa kasar Sin yana gudana kusan dala 50 zuwa $125 ga matafiyi mai shekaru 30.

Yi hankali, ko da yake, wasu masu horar da aikin sun yi tambaya ko mutumin da ke tsoron korar ya kamata ya shirya tafiya ko a'a.

Ƙari ga haka, wasu manufofin inshorar balaguro suna da wahalar karantawa.

An haɗa inshorar dakatarwa a yawancin manufofin balaguron balaguro, amma fasalin galibi yana iyakance ga ma'aikatan da suka kasance tare da kamfanonin su na ɗan lokaci - yawanci shekara ɗaya zuwa uku. Kwararrun balaguro sun ce ya kamata ku karanta kyakkyawan bugu a hankali.

Sannan akwai ƙara mai suna mai cike da ruɗani: “ soke don dalilan aiki.”

Waɗannan manufofin yawanci suna ba mutane damar samun kuɗi idan sun soke tafiyarsu saboda canjin aikin aiki ko motsi na kamfani - amma ba saboda kora ba, in ji Chris Harvey, Shugaba na Squaremouth.com, wani rukunin da matafiya za su iya kwatanta manufofin inshorar balaguro. .

"Ba na jin dabara ce, amma ina ganin abu ne mai matukar ban sha'awa," in ji Harvey.

Kwararrun inshorar balaguro sun ce yana da kyau a yi siyayya don manufar da ta dace da ku.

Kamfanonin inshora suna kula da wasu ƙididdiga. Don haka, idan kun kasance a cikin shekarunku 20, ƙila za ku sami mummunar yarjejeniya daga kamfanin da ya ƙware a kan masu ritaya, kuma baya ga haka gaskiya ne.

Wasu rukunin yanar gizon suna ba matafiya damar kwatanta manufofin inshora daga kamfanoni da yawa a lokaci ɗaya. Biyu daga cikin manyan rukunin yanar gizon, bisa ga mutanen da CNN ta tuntube su, sune Squaremouth.com da InsureMyTrip.com.

A Squaremouth, masu amfani suna shigar da wasu ƙa'idodin balaguron balaguro - wurin zuwa, farashin balaguron balaguro da shekarun matafiya - sannan su tsara sakamakon gwargwadon farashi da sauran dalilai. Don haka idan inshora na layoff yana da mahimmanci a gare ku, zaku iya ganin cikakkun bayanai game da kowane shiri - ko yana rufe ku idan an sallame ku da tsawon lokacin da kuke buƙatar kasancewa a kamfanin.

Kuna iya amfani da wannan bayanin don zaɓar manufar da ta dace da bukatunku kuma tana da farashi mafi kyau.

Masu kallon rukunin yanar gizo na iya danna “bayanan tsarin” don samun ainihin kalmomin manufofin daga mai goyan bayan sa. Yawancin cikakkun bayanai suna da alaƙa da dalilin da yasa matafiya za su soke tafiye-tafiye: saboda yanayi, raunin da ya faru, yanayin lafiya, kora, da sauransu.

Har ila yau, rukunin ya haɗa da ƙimar kwanciyar hankali na mai insurer daga AM Best Co. Wannan yana da mahimmanci tare da kamfanonin inshora da yawa a cikin matsalar kuɗi, in ji Harvey.

Harvey ya ce shafinsa ya sayar da manufofin inshora kusan 6,000 a watan Fabrairu - kusan ninki biyu na adadin da ya sayar a cikin wannan watan na bara, in ji shi.

"Fabrairu na shirin zama wata mafi kyau a tarihinmu, wanda wani irin bakon abu ne," in ji shi. "Abin da muke tunanin shi ne duk da cewa mutane kalilan ne ke balaguro, da yawa, da yawa daga cikinsu suna siyan inshora."

Ya danganta lamarin da tabarbarewar tattalin arziki.

Masana'antar inshorar balaguro tana haɓaka tun shekara ta 2001, kuma tallace-tallacen manufofin ya kai fiye da dala biliyan 1.3 a cikin 2006, shekarar data gabata, bisa ga Ƙungiyar Inshorar Balaguro ta Amurka.

Kungiyar ciniki da kamfanonin inshorar balaguro sun ce yana da wuya a ce mutane nawa ne ke sayen manufofin saboda suna son inshorar kora.

Harvey ya ce shafin sa yana samun tambayoyi akai-akai game da inshorar kora daga aiki tun daga karshen shekarar da ta gabata.

"Ba a taɓa zuwa ba - kawai ba batun bane," in ji shi.

Inshorar sallama ga matafiya ta fara samuwa kusan shekara guda da ta wuce amma ya samu karbuwa yayin da koma bayan tattalin arziki ya tsananta, in ji Bob Chambers, darektan ayyuka na Kariyar Balaguro na CSA, babban mai ba da inshorar balaguro.

"Yawanci hutu shine babban jari na uku bayan gidan ku da motar ku," in ji shi. “Kuna kare wadancan jarin. Me ya sa ba za ku kare wannan ba?

Chambers ya ki fitar da takamaiman bayanai kan karuwar tallace-tallacen kamfanin.

Linda Kundell, mai magana da yawun kungiyar inshorar balaguron balaguro ta Amurka, ta ce manufofin inshora na zama ruwan dare ga doguwar balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron bala'i na duniya na yau da kullun na yau da kullun na yau da kullun. Kusan kashi 30 cikin XNUMX na duk masu balaguron balaguron balaguro, matafiya na nishaɗi da matafiya na duniya yanzu suna sayen inshorar balaguro, in ji ta.

"Idan kana siyan wani babban tikitin tikiti, ba shakka, za ku iya siyan inshorar balaguro saboda akwai ƙarin kuɗi a kan gungumen azaba," in ji ta.

Christina Tunnah, darektan tallace-tallacen Amurka na Lonely Planet, alamar littattafan jagora, ta ce duk matafiya a kwanakin nan ya kamata su sayi inshora - ko suna tsoron asarar aiki ko a'a.

"An lalata masana'antar tafiye-tafiye, don haka akwai tashe-tashen hankula da yawa," in ji ta. "Yana da kyau a san akwai wani abu da matafiyi zai iya yin banki gaba ɗaya lokacin da sauran ba su da tabbas game da tafiyarsu."

Harvey da Chambers sun yi gargadi game da shirin "sake saboda kowane dalili", wanda ke ba matafiya kudade don kora ko kuma wani abu.

Chambers ya ce waɗannan manufofin suna da tsada kuma suna da wahala a farashi saboda akwai haɗari mara iyaka ga kamfanin inshora.

Ya kuma ce yana da kyau masu amfani su duba Better Business Bureau, ustia.org ko kungiyoyin sa ido don tabbatar da cewa kamfanin inshorar da suke siya ya halasta.

Kuma gargaɗi ɗaya na ƙarshe: Wasu rukunin yanar gizon suna sayar da “kariyar balaguro” da ba wani kamfani na inshora na gaske ke goyan bayansa, in ji shi.

Amma da zarar kun daidaita ta cikin mazugi na manufofi kuma ku yanke shawarar wanda ya dace da ku, in ji Chambers, ɗayan manyan fa'idodin shine rage damuwa.

"Natsuwar zuciya yana da darajar wani abu kuma," in ji shi. "Wataƙila ba ku da wani ra'ayi cewa aiki na iya fuskantar haɗari kowane lokaci nan ba da jimawa ba, amma, da kaina, na fi son samun wannan tabbacin cewa ana kula da ni."