Which bank credit card has delay insurance? Check out the credit card delay insurance of each bank!
Nowadays, the functions of credit cards are also very comprehensive. For example, applying for a car owner's card will not only provide gas discounts, but also insurance and roadside assistance services. For friends who often travel, it is also a practical benefit if a credit card can provide aviation accident insurance or flight delay insurance. So which banks’ credit cards have delay insurance? Let me introduce it to you here.
1. China Merchants Bank high-end card
If you have a high-end card from China Merchants Bank and use it to purchase air tickets or pay 80% or more of tour group fees, you can get travel inconvenience insurance. In addition, you can also get this benefit by paying the mileage ticket tax.
Travel inconvenience insurance stipulates that if the flight you take or transfer is delayed for 3 hours or more and the flight is not canceled, a fixed allowance of 500 yuan will be directly paid. For every hour exceeded, the allowance will be increased by 200 yuan, up to a maximum of 500 yuan. 8 hours.
2. Bank of Shanghai high-end card
Shanghai Bank is a regional bank. Use the bank's high-end card to pay for the full air ticket, or no less than 80% of the tour fee. When traveling, you can get flight delay insurance, and you can also get this right by paying mileage tickets and taxes.
During the insurance period, if the flight you take or transfer to is delayed, and the single delay time exceeds the time stipulated in the insurance policy, you can receive insurance benefits, the highest diamond-World's Ultimate Double Standard card, if you are delayed for 2 hours, you will be compensated 2,000 yuan
3. Bank of China high-end card
For Bank of China’s flight delay insurance, as long as you apply for a new card and activate it, you can get insurance services for any consumption. Old customers can get it as long as they make 3 purchases in one store, each of which costs more than 199 yuan.
Compensation will be made according to the delay time (from 1 hour for top-level cards and high-end cards, from 2 hours for platinum cards, from 3 hours for gold/regular cards), and 1 yuan will be paid for every minute after the compensation time is exceeded.
4. Everbright Bank Platinum Card
For some high-end cards of China Everbright Bank, you can get aviation delay insurance after the first swipe of the card. If the flight is delayed for 2 hours or more (including 2 hours), you can apply for a delay compensation of RMB 300 per time.
5. Guangfa Airlines Co-branded Card
Guangfa’s airline co-branded card is very special. Only the corresponding airline’s delays are covered by delay insurance. When making a claim, you only need to issue proof of the delay time indicated by the airline's co-branded card, so mileage tickets are supported.
If a flight is delayed for more than 4 hours (including 4 hours), the insurance company will compensate the necessary and reasonable expenses incurred during the delay, such as board and lodging, transportation expenses, etc., within the compensation limit of the insurance company. Phone bills, purchase of daily necessities.
Here we take stock of the credit card delay insurance of 5 banks. Of course, there is also the delay insurance of each airline co-branded card and the delay insurance of the airline co-branded card. You can enjoy it when your flight is delayed. this interest.
How to apply for a claim for the bonus insurance provided by Bank of China credit card?
To report and make claims for the public traffic accident insurance, aviation baggage loss insurance, lost card theft insurance, and shopping protection insurance value-added services that come with Bank of China credit cards, please call 95566-BOC Insurance-1. < /p>
2. "Bank of China Credit Card" WeChat public account path: Special services → Exclusive rights → Self-service claim for credit card flight delay insurance;
3. "Colorful Life" APP path: My —My Activities—Wool Benefits → Self-service claims for credit card flight delay insurance.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
Which bank’s credit card has better delay insurance?
From the point of view of the wool party, the longer the delay, the better. Qualifying delays means counting money. Of course, the more money, the better.
The standards for judging delays among insurance companies are also uneven. Here is a comprehensive comparison of the high-quality delay insurance (those that can pay out 1,000 or more in a single trip) included with several major platinum cards to let everyone know. Find out what “good delay insurance” is and how to choose the right card to pay for when buying a ticket. Whether you're looking for comfort or cash, let's break down these credit card flight delay coverages.
Supported card types: i Platinum (excluding i Platinum+), VISA Signature card, two annual fee-free cards, as well as various major platinum cards that require annual fees.
Insurance amount: If arrival is delayed for 2 hours, the maximum air ticket price can be compensated is 1,000 yuan (not exceeding the air ticket price of the current flight, the air ticket price includes fare and fuel tax, and does not include airport construction fees). If it is a higher-level card such as CITIC Infinite World Card, the maximum compensation for tickets is less than 5,000; for a lower-level gold card, the ticket price is less than 1,000 within 4 hours. Spouses, parents and children traveling together are also eligible for compensation, and they must hold a CITIC credit card (children under 18 years old are not required to hold a CITIC credit card), and the maximum number of three persons is limited to three persons.
Obtaining conditions: Starting from the day when the annual fee-free card’s point-accrued transaction amount reaches 3,000 yuan, you can enjoy claims for taking flights before the end of the next month. There are no requirements for other higher-level cards. The payment method must be paid in full through designated channels: Ctrip APP, CITIC Business Travel Platform, Donghai Xiamen Airlines ticket purchase hotline, etc. Excludes tour fees and mileage tickets, please see the official website for details.
Summary of the advantages: The maximum compensation is 1,000 in 2 hours, and the insured amount is the highest among the no-annual-fee cards. Not only the spouses and children who are traveling together can be insured, but also the parents who are traveling together.
Summary of the disadvantages: (annual fee-free card) You must swipe the card every month to obtain insurance. Tickets must be purchased through designated channels and cannot include other fees. Travelers must hold the card. Compensation will be based on fare (including fuel). Delays are calculated based on arrival. No compensation will be given for cancellations 2 hours before departure, no compensation for arrivals within 24 hours, no compensation for mileage tickets, and no luggage protection.
Insurance amount: Delay (the time between departure and arrival is counted) 500 per 4 hours, capped at 5,000 for the whole year. Some other airline co-branded cards also have 300 yuan for 4 hours.
Other protections: AE White Airlines accident, 15 million for yourself, 5 million for your accompanying spouse, and 100,000 for your accompanying children; 500 for baggage delay every 4 hours, with a cap of 5,000 for the whole year; compensation limit for lost documents and replacement costs is 5,000. For details, please see Pudong Development Bank’s official website.
Summary of the advantages: It counts both departure and arrival, and the maximum compensation for a single trip is 5,000. It is suitable for routes that are delayed for one or two days, and can protect spouses and children who are traveling with them. There is additional document protection (but if it is not comprehensive enough, you still need to buy other insurance).
Insurance amount: Delay (the time between departure and arrival is counted) 500 for 2 hours, with a maximum of 1,000 for a single trip. Spouses and children (under 18 years old, limited to two people or less) traveling together are also eligible for compensation.
Acquisition conditions: There is no designated channel. You can get the guarantee by paying 80% of the full transportation ticket or tour fee. The supplementary card payment has been proven to be guaranteed by practice (other banks’ supplementary cards have not said that it is not possible) , the terms only mention the cardholder, and the supplementary card is of course also a "card"). Mileage tickets don’t say they can’t be compensated, so I’m looking forward to examples of claims being made.
Summary of the advantages: Departure and arrival are all counted, the minimum compensation threshold of 500 for 2 hours is low, and domestic flights entering the TravelSky system (excluding Spring and Autumn and Jiuyuan) do not require proof of delay. It can insure your spouse and children who are traveling with you, and it can also cover trains. It has few exemption clauses and is the most comprehensive coverage that can replace domestic and overseas travel insurance (the only drawback is that it does not include outpatient medical care).
Insured amount: 500 if arrival is delayed for 4 hours + reimbursement up to 1,500, limited to the individual. If it is AE White/Diamond/Unlimited, it is 500 + reimbursement up to 3500. If it is a general airline hotel gold card, it is 0 + reimbursement up to 1000. If it is an airline hotel standard card, it is 0 + reimbursement up to 300. Business card is 30. The maximum reimbursement is 4,700, and for elite business customers, the maximum reimbursement is 9,500 for 50 insurance.
Obtainment conditions: There is no designated channel, and you can obtain the guarantee by paying 80% of the full ticket price or tour fee. If you book through China Merchants Bank, you do not need to apply for automatic claim for RMB 500. The mileage ticket does not say that it cannot be compensated. According to the experience of other cardholders, it can be compensated.
Compared with the previous insurance that allows you to get cash as long as there is a delay, this inconvenience insurance has a more compensatory meaning. As long as the delay reaches 4 hours, the initial payment will be fixed at 500 (no consumption receipts are required). If you want higher compensation, you must provide an invoice for the cost during the delay, and provide an invoice line of 2,000.
For example, the gold card has no fixed compensation and provides 1,000 reimbursements for 1,000 invoices. Based on other claims experience, the invoice should be made in the name of the insured.
Other protection: aviation accident, 15 million for yourself and your accompanying spouse, 5 million for your accompanying children (under 18 years old, limited to two people or less), 100,000; 501,500 for your baggage delay for 6 hours (refer to flight delay), My documents have been reset and my travel has been interrupted. Airline hotel cards and business cards also cover personal accidents, document resets, and travel interruptions. Please see the official website for details.
Summary of advantages: Up to 2,000 can be compensated for 4 hours, and mileage tickets are also covered. In addition, we cannot get the platinum line (all based on invoices). There are additional documents and travel interruption protection (but if it is not comprehensive, you still need to buy other insurance).
Supported card types: line card platinum card (standard version/Yo series), designated diamond, platinum, and titanium credit cards (except Cheyou Credit Card Platinum Card Elite Edition, 273 Platinum Co-branded Card Elite Edition).
Insured amount: 600 yuan for a 4-hour departure delay with a bank card, capped at 3,000 yuan per year, and you can also enjoy reimbursement of up to 5,000 yuan for a 4-hour delay (this is also available with designated diamond, platinum, and titanium credit cards) Happy Travel Insurance.
Spouse and children (under 18 years old, limited to two people or less) who are traveling with the company will be reimbursed 5,000 yuan, but the fixed claim of 600 yuan is not specified.
Obtainment conditions: There is no designated channel, and you can obtain the guarantee by paying 80% of the full ticket price or tour fee. And Xingye has two thoughtful instructions:
Pay the full amount of the public transportation ticket (referring to the face price, but if the cardholder’s card amount is lower than the actual amount due to promotions and other factors) If the face value of the card is exceeded, the cardholder will still be deemed to meet this condition). (This article is very useful, and other banks have not clearly stated this)
The payment method is not limited to "swipe card" payment. If you pay through new modes such as third-party payment, you can also obtain this insurance protection. However, the cardholder/customer needs to provide relevant materials to prove that the designated credit card is used for payment. The required materials are subject to acceptance by Industrial Bank and Insurance.
Other protections: 400,000 yuan for bank accidents with airlines, please see the official website for details. "Designated Credit Card": 10 million for airline accidents, 5 million for traveling spouses, and 100,000 for children. The maximum reimbursement for baggage delayed for 6 hours is 10,000 yuan, and the maximum reimbursement for lost baggage is 10,000 yuan (all baggage is covered by the spouse and children traveling with him). Please see the official website for details.
Insured amount: If departure or arrival is delayed for 2 hours, the maximum air ticket price can be compensated is 2,000 yuan (air ticket price does not include fuel tax, airport construction fees and other taxes and fees). If it is a Ping An Elite Platinum Card (and Wealth Creation Platinum All-in-one Card), the air ticket price is within 800 within 3 hours (same as above); if it is a Diamond Card, the air ticket price is within 6,000 within 2 hours (as above). There is no limit to the number of times.
Obtaining conditions: No restrictions on channels, just pay 80% of the air ticket price, but payment of tour group fees including air tickets is not guaranteed. As for the mileage ticket, since the ticket price is 0, the compensation will be 0 even if the accident occurs.
Summary of the advantages: regardless of departure and arrival, the maximum ticket price is 2,000 for 2 hours, which is the highest in the same category. Domestic flights entering the TravelSky system (excluding Spring and Autumn and Jiuyuan) do not require a delay certificate.
Summary of the shortcomings: limited to one person, only the basic ticket price is guaranteed and fuel is not included. If you encounter some special international routes with fuel far exceeding the ticket price, there will be no compensation for hourly cancellations. No baggage coverage.
Other protection: aviation accident: 5 million for yourself, 5 million for your accompanying spouse, and 100,000 for your children. If your baggage is delayed for 4 hours, the fee is NT$500 per trip, and the fee is capped at NT$1,500 per person. See the official website for details.
The insurance provided by other banks’ platinum cards or other level cards generally has a high claim threshold (4 hours) but a low claim amount (200-500), so I won’t introduce them one by one. Finally, a magical card is introduced.
Insurance amount: 300 yuan for a single departure delay of 2 hours, 500 yuan for 4 hours, 1,000 yuan for 8 hours, and the annual cumulative amount is 3,000 yuan. If you can't get the platinum card, the gold card also has delay protection: 500 for 4 hours, 1000 for 8 hours, and the annual accumulation is 2000 yuan. If you can get an American Express card or unlimited card, it will cover more spouses and children than Platinum.
Obtaining conditions: Make 3 purchases of RMB 199 with a single card in a single month, and you will receive the gift from the next day. Get a new card with any purchase. The currently given insurance is valid until the end of the year. No tickets required! ! Referring to PICC Property and Casualty Insurance’s 2-hour premium of 300 for 5 times of 1,500, the premium is 200, so it is estimated that you will need to buy this insurance for 400 yuan.
Other protections: 5 million to 8 million for aviation accidents, 100,000 for train and ship accidents, and 30,000 for car accidents. The baggage loss was 1,000 yuan. 10,000 to 20,000 lost cards in 72 hours. See the official website for details.
The comparison table of the insurance compensation amount and time attached to the above-mentioned credit cards is based on the main platinum-level cards mentioned in the supported card types, and does not take into account the rights and interests of higher-level cards. The blue amount means that it does not exceed the ticket price, and the gray amount means that it needs to be reimbursed with an invoice.
You can see from the table that there are still huge differences in the insurance included with credit cards from different banks. Regardless of the amount, there are many standards for calculating delays. Generally speaking, it is easier to meet the delay standard for departures because flights are now scheduled with sufficient flight time. It is normal for departure delays of 2 hours and 30 minutes and arrival delays of 1 hour and 50 minutes. Arrival guaranteed can make up for a special situation, where there is no delay in takeoff but return or diversion, etc., resulting in a severe delay in the final arrival at the destination. Except for Ping An, no credit card includes these two situations as exempt. Therefore, it is better to have delay insurance that covers both departure and arrival.
In general, the delay insurance that comes with credit cards is very generous, except for CITIC’s which is more demanding. Delay insurance sold commercially generally has harsh terms. Some have extremely high insurance amounts but will not compensate you in the event of cancellation (even if you change your booking for a subsequent flight). Some only cover domestic flights in order to reduce verification costs and even exclude Spring and Autumn, Jiuyuan, etc. Not using the China TravelSky system. Moreover, these insurances are generally short-lived and disappear within a few days of sale.
What is more terrifying than a simple flight delay is flight cancellation. Cancellation means a longer delay and a more disrupted schedule. Those who cancel the flight (including canceling after the scheduled departure time) or even return to prepare for the landing. Insurance with disclaimer clauses is purely an eye-catching behavior that relies on high insurance amounts to attract popularity. The insurance cannot cover the people who really need compensation. Some clauses even make a few users think that the delay insurance in the world is just as bad.
The insurance provided by credit card cooperation is generally more practical and can cover various flight delays. For example, in the event of early cancellation, although the insurances attached to these credit cards are only delay insurance and not cancellation insurance, the insurances of Transportation, Shanghai Pudong Development Bank, China, Citigroup, etc. all cover various flight cancellations, even if canceled one month in advance, while Industrial and Commercial Bank of China The insurance also covers cancellation before check-in overseas. Of course, the claim needs to be rebooked and actually taken (the Bank of Communications may not take the flight in some cases), and the airline is required to issue proof of the actual flight time and the originally scheduled flight time, and the delay time is calculated based on the difference between the two times. And the posts of some people who don’t understand and pretend to understand have made people miserable.
Travel within the country with the whole family, including the elderly and the young. Considering that there are many domestic travel flights, delays of more than one day are unlikely to occur. Then the person bringing the parents is recommended to use CITIC i Platinum (the only one that can protect the parents who are traveling with him due to delays) to buy tickets for himself and his parents through designated channels, and the other person uses other cards such as Merchant Card and Transportation Card to avoid certain situations caused by CITIC’s harsh conditions. Compensation was refused. At the same time, each party holds a Bank of China ticket for double insurance (the following examples can be superimposed with a Bank of China ticket). In addition, when checking in the luggage, be sure to put the luggage under the name of the person with the investment ticket/traffic ticket.
The couple is going to an unpopular island overseas. They consider that some routes are only available every other day. If there is a cancellation, it will be delayed for at least 48 hours, which will disrupt the entire trip. In this way, using Pudong AE White (single flight) The highest compensation per time), in case of a delay of 48 hours, the two people will be compensated 10,000 yuan, which can also make up for the loss of the prepaid hotel.
Taking a daily low-cost airline, in case of cancellation, you can only change the subsequent flight, which will be delayed for at least 24 hours. At this time, you might as well use Pudong AE Airlines.
A family of three is traveling to Europe. The Schengen visa has strict requirements for travel insurance. The insurance provided by Bank of Communications Platinum Ticket Purchase just meets the requirements, and you can save hundreds of thousands of dollars in insurance premiums. If you encounter a flight delay while traveling, there is also a good compensation guarantee, especially in Europe from time to time. Other insurances often refuse to compensate, but Bank of Communications can compensate. Although it is not compulsory to buy travel insurance when traveling to other places, you still have to buy travel insurance based on the principle of reducing risks. Bank of Communications Platinum can indeed save a lot of money. The only shortcoming of the Bank of Communications travel insurance is that outpatient medical care is not covered. If you have children, it is recommended to buy an additional insurance in this area.
As a single person on a business trip, the travel standards are extremely low. Fortunately, you can buy your own air tickets and use the investment ticket or industrial ticket. If there is a delay, you can stay in a good hotel and have a nice meal. Anyway, you have insurance to pay for it, so you don’t have to look at the boss’s face. If air tickets are more expensive, Ping An Bai is also a good choice.
If you can't get these platinums, you can still use ibai. Although the terms are a bit harsh, it's much easier to achieve than 4 hours.
My family is traveling within the country, and I have used CITIC iBai in the past. This time I was afraid of a typhoon. When a typhoon comes, flights are usually canceled in advance, iBai Xiancai. Moreover, when a typhoon comes, it will be delayed for at least one day, so I use Pudong AE White. The longer the delay, the happier I am.
If your parents want to go on a trip and you cannot accompany them, you can apply for a supplementary card of the Bank of Communications Platinum Card (with no annual fee) for them. This way, as cardholders, they can buy their own air tickets and train tickets and have various protections. Airport VIP and Longteng are available. If you want points to buy train tickets, it is recommended to use Ctrip.
Finally, let’s take an extreme hypothesis: a couple travels with two children and uses Xingye Youbai to buy air tickets. The plane arrives delayed by 4 hours, and the 20,000 yuan spent during the delay can be reimbursed; if the luggage "Unfortunately" if the flight has not arrived 6 hours after arrival, an additional 40,000 yuan can be reimbursed for necessary consumption within 6-24 hours; if the luggage has not arrived after 24 hours, an additional 40,000 yuan can be reimbursed for necessary consumption within the next 4 days. . This trip cost the insurance 100,000 yuan, and the insurance will probably go crazy.
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What are the conditions for compensation for flight delay with Ping An Credit Card?
Ping An Credit Card flight delay claims only need to meet two conditions:
1. Hold Ping An Bank Diamond Card, Platinum Credit Card, Elite Platinum Credit Card, iQiyi Platinum Card, etc. and have flights A card with delay insurance benefits and use the card to purchase air tickets;
2. The flight is delayed for 2 hours or more.
It should be noted that the new card needs to complete the first purchase after activation, and then use the card to purchase air tickets to enjoy the claim protection. In addition, cardholders must pay more than 80% of the ticket price before they can apply for a claim, so claims cannot be made using miles to redeem tickets or gift tickets.
How to use credit card flight delay insurance
The conditions for using flight delay insurance of credit cards from different banks are different. For specific credit card rights, you can call the credit card service hotline. 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 cards that come with free delay insurance include Bank of China Platinum Credit Card, China Everbright Bank Longteng Platinum Credit Card, etc.
2. One is to use this bank’s credit card to buy tickets, and if certain conditions are met, you can get delay insurance. Credit cards that require the same credit card to purchase air tickets to obtain free delay insurance include Bank of Communications Standard Platinum Card, China Merchants Bank Premium Card, Shanghai Pudong Development Bank American Express Platinum Card, Industrial Bank "Xing" Card Platinum Card, Industrial and Commercial Bank of China Platinum Credit Card, and Citibank Gift Card. Cheng Platinum Card, etc.
For example: Bank of Communications Platinum Card needs to use the card to pay the relevant journey fees, the full fare of round-trip transportation or more than 80% of the tour group fee for the trip (mileage tickets or other ticketing methods are not allowed) Claims), the protection targets are the cardholder himself and his accompanying spouse and children (3 months to 18 years old), and can obtain flight delay insurance protection.
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This concludes the introduction to credit card aviation delay insurance and which bank’s credit card has flight delay insurance. Have you found the information you need?