How to use the flight delay insurance of credit cards
Different banks have different conditions for using the flight delay insurance of credit cards. Please call the credit card service hotline for specific credit card rights. There are two types of delay insurance obtained by credit card:
1. One is that you don't need to buy a ticket, as long as you have a credit card from this bank. Credit with free delay insurance includes China Bank Platinum Credit Card and China Everbright Bank Longteng Platinum Credit Card.
2. One is to use this bank's credit card to buy tickets, and you can get delay insurance if you meet certain conditions. Credit cards that need to use the same credit card to buy air tickets to get free delay insurance include Bank of Communications Standard Platinum Card, China Merchants Bank High-end Card, Shanghai Pudong Development Bank American Express Platinum Card, Industrial Bank "Bank" Platinum Card, Industrial and Commercial Bank Platinum Card, Citibank Gift Platinum Card, etc.
For example, if the Platinum Card of Bank of Communications needs to use the card to pay the full fare of the relevant travel expenses and round-trip transportation or more than 8% of the tour fare for this trip (mileage ticket purchase or other ways of giving tickets will not be claimed), the protection object is the cardholder himself, his spouse and children (3 months to 18 years old), and the flight delay insurance can be obtained.
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which bank's credit card has better delay insurance?
From the wool party's point of view, the longer the delay, the better. A qualified delay means counting money. Of course, the more money, the better.
And the standards for judging delays vary from insurance company to insurance company. Let's make a comprehensive comparison of the high-quality delay risks attached to several major platinum cards (those that can pay 1, yuan or more at a time), so as to let everyone know what a "good delay risk" is and how to choose the right card to pay when purchasing air tickets. Whether you want comfort or wool, let's analyze the flight delay insurance of these credit cards.
card types: I Platinum (excluding I Platinum+), VISASignature card, which are free of annual fees, and various platinum cards that require annual fees.
insurance amount: if the arrival is delayed for 2 hours, you can get the maximum compensation for the air ticket in 1 yuan (not more than the air ticket of the current flight, including the ticket price and fuel tax, excluding the airport construction fee). If it is a more advanced card, such as CITIC Unlimited Card World Card, you can pay up to 5 yuan; Lower-level gold cards and the like are tickets within 4 hours and 1 yuan. Spouses, parents and children of peers can also be compensated, and they need to hold CITIC Credit Card (children under the age of 18 do not need to hold CITIC Credit Card), and there are at most three people.
acquisition conditions: from the date when the annual fee-free card has a transaction amount of RMB 3, per natural month, you can claim compensation by flying before the end of the next month, and other higher-level cards are not required. Payment methods need to be paid in full in designated channels: Ctrip APP, CITIC Business Travel Platform, Donghai Xiamen Airlines Ticket Hotline, etc. Tour fare and mileage ticket are not included. See official website for details.
summary advantages: up to 1, yuan can be paid in 2 hours, and the amount of money in the annual fee-free card is the highest, which can be insured not only by the spouse's children, but also by the parents.
to sum up the shortcomings: (annual fee-free card) you can only get insurance if you swipe your card every month, and you need to specify the channel for ticket purchase, which cannot include other expenses, and your peers need to hold a card. According to the fare (including fuel). Delay is calculated according to arrival, cancellation 2 hours before departure will not be compensated, failure to arrive within 24 hours will not be compensated, mileage ticket will not be compensated, and there is no baggage guarantee.
insurance amount: 5 every 4 hours for the delay (whichever is the longest) and 5, for the whole year. Other airline co-branded cards also have a 4-hour 3 yuan.
Other guarantees: AE White Airlines accidentally killed 15 million of its spouses, 5 million of its children, and 1, of its children; Baggage delay is 5 every 4 hours, and the annual limit is 5; The compensation limit for the loss of documents is 5. See Pufa official website for details.
summary advantages: take-off and arrival are counted, and the maximum compensation for a single trip is 5, yuan, which is suitable for a one-or two-day flight in case of delay, and can protect the spouse's children. Additional certificate protection (but not comprehensive enough, you have to buy other insurance).
insurance amount: 5 yuan for the delay (whichever is the longest) for 2 hours, and 1 yuan for a single time. Spouses and children (under the age of 18, the number is limited to two or less) can also be compensated.
conditions for obtaining: if there is no designated channel, 8% of the full vehicle fare or tour fare can be guaranteed, and the payment of supplementary cards has been proved to be guaranteed by practice (supplementary cards of other banks have not said no, and the terms are only for cardholders, and supplementary cards are of course "cards"). The mileage ticket didn't say that it couldn't be compensated. I look forward to an example of claim settlement.
summary advantages: both take-off and arrival are counted, with a low compensation threshold of 5 departures in 2 hours, and no delay certificate is required for domestic flights entering China Airlines (excluding Spring and Autumn and RMB 9). You can cover your spouse's children, and the train can also cover them. There are few exemption clauses, and the most comprehensive protection is enough to replace domestic and foreign travel insurance (the only disadvantage is that outpatient medical care is not included).
insurance amount: 5 for 4 hours delay in arrival+up to 1,5 for reimbursement, only for me. If it's AE White/Diamond/Unlimited, it's 5+ reimbursement up to 3,5; if it's general aviation hotel gold card, it's + reimbursement up to 1,; aviation hotel general card is + reimbursement up to 3; business card is 3+ reimbursement up to 4,7; elite business guest is 5+ insurance up to 9,5.
acquisition conditions: there is no designated channel, and 8% of the full fare or tour fare can be guaranteed. If booking tickets through China Merchants Bank, 5 yuan does not need to apply for automatic claim settlement. The mileage ticket didn't say that it can't be compensated. According to the experience of other card friends, it can be compensated.
compared with the previous insurance that can get cash as long as it is delayed, this inconvenience insurance is more compensatory. As long as the delay reaches 4 hours, it will be fixed at 5 (no need to provide consumption documents). If higher compensation is required, it is necessary to provide the expense invoice during the delay period and provide the line of 2 invoice. Like the gold card, there is no fixed compensation, providing 1 invoices for reimbursement of 1. According to other claims experience, the name of the insured should be written on the invoice.
Other guarantees: I have 15 million companions in aviation accidents, 5 million companions' children (under the age of 18, the number is limited to two or less) and 1,; My baggage is delayed for 6 hours by 5+15 (refer to flight delay), my certificate is reset, and my trip is interrupted. Airline hotel cards and business cards also bring personal accidents, document replacement and travel interruption. See official website for details.
summary advantages: 4 hours can pay up to 2, yuan, and mileage tickets can also be covered. In addition, we can't do the platinum line (all by invoice). Additional documents, travel interruption protection (but not comprehensive enough, you have to buy other insurance).
card types: Bank Card Platinum Card (standard version/leisure series), and designated diamond, platinum and titanium credit cards (except Cheyou Credit Card Platinum Elite Edition and 273 Platinum Co-branded Card Elite Edition).
Insurance amount: 6 yuan is delayed for 4 hours, with a cap of 3, yuan per year. At the same time, you can enjoy the happy travel insurance of up to 5, yuan (this designated diamond, platinum and titanium credit card can also be enjoyed) for reimbursement for 4 hours delay.
spouses and children (under the age of 18, the number is limited to two or less) who are reimbursed for 5, yuan can also be compensated, but 6 yuan's quota claim is not stated.
acquisition conditions: there is no designated channel, and 8% of the full fare or tour fare can be guaranteed. And Xingye has two intimate explanations:
Pay the full amount of the current public transport ticket (refers to the face price, but if the cardholder's credit card amount is lower than the actual face price due to preferential activities and other factors, it is still considered that the cardholder meets the conditions). (This article is very useful, and other banks have not clearly indicated this point.)
The payment method is not limited to "credit card" payment. If the payment is made through a new mode such as third-party payment, the insurance protection can also be obtained, but the cardholder/customer needs to provide relevant materials to prove that the payment is made by the designated credit card, and the required materials are subject to the acceptance of Industrial Bank and insurance.
other guarantees: there were 4, accidents in Hangka Airlines. See official website for details. "Designated credit card" has 1 million aviation accidents, 5 million children and 1, people. The maximum reimbursement for baggage delayed for 6 hours is 1, yuan, and the maximum reimbursement for lost baggage is 1, yuan (the luggage is guaranteed for the children of the spouse). See official website for details.
insurance amount: if the departure or arrival is delayed for 2 hours, the maximum compensation can be 2, yuan (excluding fuel tax, airport construction fees and other taxes). If it is Ping An Elite Platinum Card (and Chuangfu Platinum All-in-One Account Card), it is within 3 hours and 8 yuan (same as above), and if it is a diamond card, it is within 2 hours and 6 yuan (same as above). No limit to the number of times.
acquisition conditions: 8% of the air fare is enough, regardless of the channel, but the tour fare including the air fare is not guaranteed. As for the mileage ticket, because the fare is , even if it is out of danger, the compensation is .
summary advantages: take-off and arrival are counted, and the maximum ticket price is 2, yuan in 2 hours, which is the highest in the same class. There is no need to prove the delay for domestic flights entering China TravelSky (excluding Spring and Autumn and RMB 9).
to sum up the shortcomings: I only guarantee the basic fare and do not include fuel. If I encounter some special international lines with fuel far exceeding the fare, I will not be compensated. No baggage protection.
Other guarantees: I have 5 million colleagues, 5 million spouses and 1, children in aviation accidents. Baggage delay is 4 hours, 5 yuan, and the cap of 15 yuan is limited to me. See official website for details.
Platinum cards or other cards of other banks have a high claim threshold (4 hours) and a low claim amount (2-5), so I won't introduce them one by one. Finally, introduce a magic card.
insurance amount: 3 yuan for a single departure delay of 2 hours, 5 yuan for 4 hours, 1, yuan for 8 hours, and 3, yuan annually. If you can't do platinum, the gold card also has a delay guarantee: 5 for 4 hours, 1, for 8 hours, and 2, yuan annually. If you can do it, American Express or Unlimited Card will cover your spouse and children more than Platinum.
conditions for obtaining: a single card with a total of three purchases of RMB 199 per month will be given from the next day. The new card will be given at will. The present insurance is valid until the end of the year. No need to buy tickets! ! With reference to PICC P&C Insurance's 2-hour 3 accumulated 5 times, the premium of 1,5 is 2, so this insurance is estimated to be purchased in 4 yuan.
other guarantees: 5-8 million aviation accidents, 1, train and ship accidents and 3, car accidents. Loss of luggage, 1 yuan. Lost card in 72 hours, 1-2 million. See official website for details.
The comparison table of the amount and time of insurance compensation attached to the above credit cards is based on the main Platinum-level cards mentioned in the support card types, regardless of the rights and interests of higher-level cards. The blue amount means no more than the air ticket, and the gray amount means that it needs to be reimbursed by invoice.
From the table, we can see that there are still great differences between different banks' credit card collateral insurance, and there are many standards for calculating the delay, regardless of the amount. On the whole, it is easier to meet the delay standard, because the scheduled flight time of flights is very rich now, and it is normal to delay the departure for 2 hours and 3 minutes and the arrival for 1 hour and 5 minutes. However, the guaranteed arrival can make up for a special situation, such as taking off without delay but returning halfway or taking an alternate flight, which leads to a serious delay in finally arriving at the destination. All credit cards do not include these two situations in the exemption except safety. Therefore, the delay risk of taking off and arriving at the same time is better.
On the whole, the delay insurance attached to credit cards is very kind except for CITIC's. However, the delay insurance in commercial sales is generally harsh in terms of terms. Some insurance coverage is particularly high, but once it is cancelled, it will not be compensated (even if you change to a follow-up flight). In order to reduce the verification cost, some insurance only covers domestic flights and even excludes those who have not used the China Airlines letter system, such as Chunqiu and Jiuyuan. Moreover, these insurances are generally short-lived and disappear within a few days.
what is more frightening than the simple flight delay is the cancellation of the flight. Cancellation means a longer delay, and the itinerary is even more disrupted. Those insurances that include the cancellation of the flight (including the cancellation after the scheduled departure time) or even the return flight as an exemption clause are all eye-catching behaviors that rely on high insurance coverage, and their insurance cannot cover those who really need compensation. Some clauses even make a few users think that the delay insurance is as black as the world.
The insurance of credit card cooperation is generally practical and can cover all kinds of flight delays. For example, in the event of early cancellation, although the insurance attached to these credit cards is only delay insurance rather than cancellation insurance, the insurance of transportation, Shanghai Pudong Development Bank, China, Citigroup and other banks all cover the cancellation of various flights, even if they are cancelled one month in advance, and the insurance of Xingye and China Merchants also covers the cancellation before check-in abroad. Of course, the claim needs to be actually taken after the change of visa (Bank of Communications can not take it in some cases), and the airline company needs to issue a certificate to prove the time of the actual flight and the originally scheduled flight, and calculate the delay time by the difference between the two times. And the posts of some people who don't pretend to understand make people miserable.
traveling in China with the old and the young. Considering that there are many domestic flights, it is not easy to have a delay of more than one day. Then the one with parents suggested using CITIC I Platinum (the only one that can guarantee the delay of peers' parents) to buy their own and parents' tickets in designated channels, and the other used other cards such as China Merchants Bank and Communications Bank to avoid the harsh conditions of CITIC, which led to being refused compensation in some cases. At the same time, both parties hold BOC White for double insurance (the following examples can be superimposed with BOC White). In addition, when checking luggage, be sure to hang the luggage under the name of the one who uses China Merchants White/Traffic White.
when the couple go to an overseas unpopular island, it is considered that some routes run every other day, and if they are cancelled, they will be delayed for at least 48 hours, so the whole trip will be disrupted. In this way, if they use Pufa AE White (the highest claim is made once), they will be compensated 1, yuan in case of a delay of 48 hours, which can also make up for the loss of prepaid hotels.
if you take a low-cost airline every day, you can only change the subsequent flight in case of cancellation, and the delay will be at least 24 hours. At this time, you may wish to use PUFA AE White.
When a family of three travels to Europe, the Schengen visa has strict requirements on travel insurance. The insurance provided by purchasing tickets with Bank of Communications Platinum just meets the requirements, and the insurance premium can be saved by several hundred dollars. If there is a flight delay during the trip, there is no low compensation guarantee, especially in Europe, where++comes from time to time. Other insurances often refuse to pay compensation and Bank of Communications can pay compensation. Although there is no mandatory requirement to buy travel insurance in other places, you still have to buy travel insurance in order to reduce risks. Bank of Communications Platinum can really save a lot of money. The only drawback of Bank of Communications travel insurance is that outpatient medical care is not covered. If you have the suggestion of taking care of children, buy an extra insurance in this area.
single dog is on a business trip, and the travel standard is extremely low. Fortunately, you can buy your own air ticket and use it for investment promotion or industrial promotion. Once delayed, you can stay in a good hotel and have a big meal. Anyway, you don't have to look at the boss's face to pay the bill with insurance. If the air ticket is more expensive, it is not bad to use Ping An Bai. If you can't do these platinum, you can use I white. Although the terms are a little harsh, it is much easier to achieve than 4 hours.
I'm still traveling in China as a family. I used to use Citic I for free. This time, I'm afraid of a typhoon. When the typhoon comes, flights are usually cancelled in advance, so I have a rest. And when the typhoon comes, it will be delayed for at least one day, so use Pufa AE white. The longer the delay, the happier it will be.
if parents want to travel, they can't accompany them, so they can apply for a supplementary card of the Bank of Communications Platinum Card (free of annual fee), so that they can have all kinds of protection as cardholders to buy their own air tickets and train tickets, as well as airport VIPs and Longteng. If you want to get points for buying train tickets, it is recommended to take Ctrip.
finally, let's take an extreme hypothesis: a couple with two children.