Chuvangin, hun rei tak atanga i lo nghah tawh ram pawn lama i zinna tur ni chu a hnai tawh hle. I flight ticket i book tawh a, hotel tha tak i reserve tawh a, chutah chuan hman tur car pawh i reserve tawh mai thei. Tunah chuan heng zawng zawng hi Internet-ah awlsam takin tih theih a ni tawh a ni lawm ni? Mahse heng zawng zawng karah hian kan theihnghilh fo thin thil a awm a, mahse a pawimawh em em a ni. Chu chu travel insurance , chu chu travel insurance neih tihna a ni. Mi tam tak chuan an chhuah hma ni engemaw zatah hetiang hian an ti thin a, a chang chuan an theihnghilh vek thin. Mahse tunah chuan online hmangin rang takin i ti thei tawh ang.
A awlsam zawngin, travel insurance chu eng nge ni?
Ram pawna i awm laiin i damlo thut a, accident i tawk a, i bungrua i hloh a nih chuan han ngaihtuah teh? Tlan kual velna senso leh thawhrimna chu ngaihtuah phak loh a ni ang. Hei hi chutiang thil ngaihtuah phak loh chhiatna a thlen hunah sum leh pai lama ṭanpui thei tur venhimna a ni. A awlsam zawngin, hei hi i zinna atana venhimna a ni.
Travel insurance-in a pek tlangpui coverage chi hrang hrang a awm a.
| Coverage chi hrang hrang | A sawifiahna awlsam tak |
|---|---|
| Damdawi lam Coverage neih a ni | Ram pawna i awm laiin natna thut emaw, accident emaw i tawrh chuan damdawi in man leh damdawi bill ang chi senso a huam a ni. |
| Damdawi lam atanga chhuahtir | Hei hian natna khirh tak emaw, accident emaw i neih chuan Sri Lanka-a hruai kir lehna senso sang tak chu a khum ang. |
| Trip Cancel theih a ni | Thil pawi tak avanga i zin thei lo a nih chuan, natna rang tak emaw, chhungkaw member thihna emaw avanga i kal theih loh chuan ticket leh hotel man i pek tawhte chu kan pe let leh ang che. |
| Luggage leh mimal bungrua te | I bag a bo emaw, a tlai emaw, rukbo emaw a nih chuan, a hloh man atan pawisa engemaw zat pek i ni ang. |
Online a insurance lei hian eng nge a thatna?
Tun hma angin office kal a ngai tawh lo. Tunah chuan insurance company tam tak website kaltlangin i mamawh details i en thei tawh ang a, i zinna nena inmil ber plan i thlang thei tawh ang a, insurance man chu online hmangin i pe thei tawh ang. Hei hi a thatna lian ber chu awlsamna leh chakna a ni .
A tam zawkah chuan he insurance coverage hi i pek ni, a nih loh leh a tuk zing dar 12:01 AM atang hian hman tan a ni. Chuvangin, minute hnuhnung berah i hre reng a nih pawhin hei hi i ti vat thei a ni.
Mahse, company thenkhat chuan online-a details i fill up hnuah email hmangin confirmation document hard copy an thawn ang che tih hre reng ang che, chuvangin a kalphung zawng zawng hi 100% paperless a ni lo mai thei.
Online-a insurance i lei hmaa i ngaihtuah hmasak tur thilte
Online process hi eng ang pawhin awlsam mahse "Buy" button i hmet hmain fimkhur hle a ngai a ni. Chutiang a nih loh chuan pawisa i pe chhuak thei a, thil engemaw a kal dik loh chuan ṭanpuina engmah nei lovin i tlu thei bawk.
1. Company hi a dik em tih enfiah thin ang che
Hei hi a pawimawh ber a ni . Insurance lei i ngaihtuah mek company hi kan rama insurance industry enkawltu pawl Insurance Regulatory Commission of Sri Lanka (IRCSL)-a registered company hmingthang tak a nih leh nih loh enfiah rawh.
Dan anga registered company atanga insurance lak hian kan ram dan leh hrai angin company a thawk tihna a ni. Chuvangin harsatna i neih chuan insurance compensation (claim) i hmuhna kawngah harsatna i tawh tur chu nasa takin a tlahniam ang.
Hemi chungchang hi company website-ah emaw, kan ram Insurance Regulatory Commission website-ah emaw chipchiar takin i hmu thei ang.
2. Police dinhmun hi ngun takin chhiar la.
Terms and conditions chhiar lovin "I agree" kan ti mai fo thin. Mahse, he thilah hian chutiang chu ti suh. Heng thilte hi a bik takin ngaihven rawh:
- Coverages: Eng coverage nge i hmuh? Engzat nge i dawn tam ber ang?
- Exclusions: Hei hi a pawimawh hle. Insurance policy ṭhenkhat chuan a hmaa awm tawhte chu a huam lo . Entirnan, zunthlum vei tawh i nih chuan ram pawna i awm laiin a kaihhnawih harsatnate chu an pe lo mai thei. Tin, risk thenkhat, adventure sports ang chi te pawh hi a huam lo thei bawk.
- Doctor leh Damdawi In: Insurance Company thenkhat chuan an list-a Doctor emaw, damdawi in emaw hnenah chauh enkawlna i zawng tur a ni an ti. Chu pawh chu hre reng ang che.
3. Sum leh paia hlutna i hmu em?
"A tlem lutuk" tih ngaihtuah chungin insurance lei suh. Coverage tlemte tak tak atan chuan man tlawm tak tak i pe mai thei. Company hrang hrang atanga ruahmanna siamte khaikhin rawh . I pawisa pek avanga medical coverage leh hamthatna dangte i hmuh chu a tawk em tih ngaihtuah la, thutlukna siam rawh.
Thil engemaw a kal dik loh chuan inchhir a, "Aw, hei hi ka lo zawng chhuak ngai lo," tih ai chuan heng thilte hi zirchian nan hun tlem tal hman a tha zawk, a dik em? He inbuatsaihna tlemte hian i zinna chu nuam tak leh lungkhamna awm lo turin kawng thui tak a zawh ang.
Take-Home Thuchah a ni
- Online-a travel insurance i lei hmain, company chu Sri Lanka-ah dan anga registered leh recognized a nih leh nih loh enfiah hmasa phawt ang che .
- I insurance policy terms and conditions te ngun takin chhiar la, a bik takin ‘Exclusions’ tih hi chhiar la. Damdawi lam harsatna i neih tawh zawng zawng chungchangah eng nge a sawi tih en rawh.
- Company hrang hrang atanga insurance policy te khaikhin la , i pawisa coverage tha ber tur thlang rawh.
- Insurance i lei hnuah digital copy leh documents printed copy chu i bag leh email-ah dah la. Emergency a awm chuan a tangkai hle ang.
- Thil engemaw i hriat chian loh chuan insurance company kaihhnawih customer service biak a, a chipchiar zawka zawh hreh ngai suh.
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