What is air delay insurance?
Flight delay insurance refers to the commercial insurance behavior that the insured (passenger) pays the insurance premium to the insurer (insurance company) according to the contract of flight delay insurance, and when the flight delay agreed in the contract occurs, the insurer (insurance company) pays the insurance premium according to the contract. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
How to buy air delay insurance?
Buying air delay insurance can be mainly divided into three categories: credit card, ticket purchase or gift, and self-purchase.
1, credit card comes with it.
Many banks' credit cards provide high flight delay insurance, and can be used in combination with other forms of flight delay insurance rights. Just because it is a gift insurance, once the flight is delayed, the customer needs to take the initiative to report the case before entering the claim settlement procedure.
2. Purchase through the ticket purchase channel
Many people choose online ticket purchasing channels. Whether it is official website or Ctrip, airline tickets are generally sold with insurance. If you buy through these channels, you will get a comprehensive aviation insurance, which has the functions of aviation accident insurance and delay insurance, and the price is between 20 yuan and 30 yuan. From the perspective of protection function, this kind of insurance has comprehensive protection and low price, which is suitable for passengers who don't fly often. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
Step 3 buy it yourself
Some insurance companies have also launched special flight delay insurance products, which users can purchase by themselves through WeChat official accounts, the Internet and other channels, with a wide range of choices.
Several problems that should be paid attention to in purchasing flight delay insurance
1, a single insurance company can only buy the same type of delay insurance for one flight;
2. An insurance company can purchase different types of delay insurance for a flight;
3. Most delay risks do not include cancellation, forced landing and return flight; The delay insurance marked as cancellation will be cancelled only after the original planned departure time, and will not be paid if it is cancelled in advance;
4. Insure the designated flight delay insurance, and there will be no automatic refund after cancellation.
What should I pay attention to when insuring air delay insurance?
Under normal circumstances, after the flight is delayed, the user needs to submit the delay certificate, boarding pass, ID card information, bank card information and other related materials before the insurance company can claim compensation. Therefore, the more information the insurance company has, the faster it collects information and the more convenient it is to make claims. The flight delay certificate is generally provided by the departure airport, and passengers only need to fill in the information at the boarding gate to get the delay certificate. At present, the data of air flights is becoming more and more transparent, and many insurance companies can confirm whether the flight is delayed through third-party data. However, from the point of view of users' claims, it is very necessary to get a paper delay certificate. In addition, travel itinerary travel, boarding pass and luggage tag are the most direct proof of passengers' flight, so it is recommended to keep them.