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 for tours worth RMB 80 or more, 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 group fee of no less than 80 RMB. At this time, 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 use credit card flight delay insurance
Different banks have different conditions for using flight delay insurance. 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 the tour group fee of more than 80 RMB for the trip (mileage ticket purchase or other free ticket methods will not be compensated) ), the protection objects 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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What does delay insurance mean?
What does the end of aircraft delay insurance mean?
General aircraft delay insurance is valid for a single flight, and the flight lands normally. The validity period of the flight delay insurance will automatically expire. There are many types of flight delay insurance now. We recommend several types of flight delay insurance that automatically pay out after the flight lands:
1. Ping An: (Purchased on China Ping An’s official public WeChat account)
1), Purchase one day in advance, the unit price is 45 yuan, and you will be compensated 100 yuan for 1 hour of flight delay; 200 yuan for 2 hours delay; 300 yuan for 3 hours delay; WeChat will automatically settle the claim, and the flight will be compensated as soon as 2 hours after landing
2) , Purchase one day in advance, the unit price is 22 yuan, and the compensation will start after 30 minutes. The flight delay will be 0.5 yuan per minute for 30-60 minutes, and it will be 1 yuan per minute for more than 60 minutes. The compensation will be capped at 200 yuan. WeChat will automatically settle the claim, and the compensation will start as soon as 2 hours after the plane lands.
2. Zhongan: (Purchase via WeChat of Zhongan Insurance)
Purchase one day in advance, the unit price is 25 yuan, and the flight is delayed for 2 hours, the compensation is 200 yuan; the unit price is 50 yuan, and the flight is delayed for 2 hours The hourly compensation is 400 yuan; the unit price is 100 yuan, and the compensation is 800 yuan for 2 hours delay; WeChat automatically settles the claim.
3. Xiaoma Insurance: (Pony Insurance official website, Xiaoma Insurance public WeChat account purchase)
Purchase 2 hours in advance, unit price is 0.09 yuan, compensation starts after 1 hour (inclusive) 30 yuan, and you will be compensated 30 yuan if the flight is delayed for 1 hour and canceled. 1 million yuan of aviation accident insurance will be given. The claim will be automatically settled within 12 hours after the plane lands (account will be credited within 2 hours during working hours).
4. Pacific Flight Delay Insurance: (Purchased through the public WeChat account of Pacific Property & Casualty Insurance)
Purchase one day in advance, unit price is 20 yuan, compensation starts after 30 minutes, flight delay is 30 minutes, compensation is 30 yuan Yuan, 70 Yuan for 60 minutes, 50 Yuan for 90 minutes, 50 Yuan for 120 minutes, and 50 Yuan for 150 minutes. 50 yuan for 180 minutes, and 300 yuan for a delay of 3 hours; claim information will be automatically settled within 12 hours after the plane lands.
5. Yongan: (Purchase on public WeChat account of delay insurance)
Purchase 1 day in advance, the unit price is 20 yuan, the flight delay will pay 30 yuan for half an hour, 60 yuan for 1 hour, 2 The hourly compensation is 120 yuan, and WeChat automatically settles the claim.
These delay insurances can be purchased in conjunction with credit card flight delay insurance, and we hope you will adopt them.
What does it mean that delay insurance is insured?
Delay insurance is insured, which means that the delay insurance insured by the customer has taken effect. If the flight is delayed, the policyholder will be compensated.
Flight delay insurance means that the insured (passenger) pays insurance premiums to the underwriter (insurance company) in accordance with the provisions of the flight delay insurance contract. When the flight delay stipulated in the contract occurs, the underwriter (insurance company) The company) is a commercial insurance act that pays insurance premiums according to the contract. Analyzing from the legal nature, flight delay insurance belongs to commercial insurance, voluntary insurance and property insurance. The main content of flight delay insurance is explained specifically with the flight delay insurance clauses of Dazhong Insurance Co., Ltd.
What does flight delay insurance mean?
That is to say, if your flight’s landing time is delayed to meet the specified standards (usually at least 2 hours), the insurance company will pay the compensation, regardless of the delay What is the reason.
Note that it is "landing time", not "takeoff time" or "boarding time". Check the terms before purchasing insurance.
What does flight delay insurance mean?
Flight delay insurance means that the policy holder (passenger) pays insurance premiums to the underwriter (insurance company) in accordance with the provisions of the flight delay insurance contract. When the flight delay stipulated in the contract occurs, the underwriter (insurance company) The company) is a commercial insurance act that pays insurance premiums according to the contract.
What is flight delay and cancellation insurance?
It means that if your flight is canceled and you buy cancellation insurance, you will be compensated. This is the business of the insurance company and has nothing to do with the airline
How to use delay insurance? What should you pay attention to?
If you buy it, choose the shake delay insurance.
All you need to do is enter the airport - turn on Bluetooth - shake to purchase - and in the event of a flight delay, claim will be settled in the form of a red envelope push. How about it? Very easy, right?
What is aviation delay insurance? Compensation Rules
Compensation is provided for flight delays. The compensation amount and delay time vary from insurance company to insurance company. Ping An’s compensation is 20 yuan, and the compensation for delays of 4 hours or more is 400 yuan/time (the total compensation is limited to the total insured amount) ) You will be compensated for flight delays caused by weather, natural disasters, behavior, air traffic control, airline overbooking, etc.
The delay insurance that Spring and Autumn cooperates with the insurance company is 20 yuan a piece. Whether it is caused by weather, mechanical failure, or flow control, as long as it is not the fault of the passenger himself, if the departure delay reaches 3 hours, you can get 200 yuan. Yuan compensation, if it lasts for more than 6 hours, you will be compensated 400 Yuan. If your flight is cancelled, you will receive a compensation of 300 yuan.
What should I do if my plane is delayed when I bought a plane ticket without delay insurance?
Generally, airlines will provide certain compensation or free meals and accommodation if the plane is delayed. This needs to be negotiated as long as there is no big loss. Don't worry so much
Is it necessary to buy aviation accident insurance and delay insurance?
Nowadays, domestic delay insurance is generally included in accident insurance and costs 20 yuan.
Generally speaking, many people don’t buy it because most of them have to be delayed for more than 4 hours and they have not boarded the plane before they can apply for a claim.
However, you can buy it for certain frequently delayed flights, flights across military control zones, or flights in bad weather.
However, it is also troublesome to apply for a claim for delay insurance. In fact, for those who don’t understand, it is really delayed. Didn't even file a claim.
So, for people who are worried about trouble and areas where flights are relatively on time (delays generally do not exceed 4 hours), delay insurance is actually unnecessary.
I must buy it every time I fly. Maybe I have a strong awareness of insurance. I have done it almost more than 100 times, but the actual delay was more than 4 hours only 3 times. The first time was because I didn’t If you know the procedures but don’t have a delay certificate issued at the departure airport, you can’t make a claim.
The second time I was deceived into boarding the plane, I sat in the plane for 3 hours, but no claim was made. The third time it was raining heavily and the plane didn’t come, so the claim was successfully settled and I was compensated 400 yuan.
What do aviation accident insurance and aviation delay insurance mean?
Aviation accident insurance is insurance that pays compensation in the event of an air crash. Airline delay insurance is the compensation paid by the airport if the plane is delayed. In fact, it is recommended that you do not need to buy these insurances, as they are useless and expensive. Welcome to ask questions, hope you will adopt it, thank you!
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 RMB 80 in excess of the fare before applying for a claim, so claims cannot be made using mileage redemptions or complimentary tickets.
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.
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.
The insurance service provided by the Bank of China credit card, how to make a claim after an accident
Flight delay insurance needs to be self-serviced through the WeChat official account of Bank of China Insurance Co., Ltd. Beijing Branch. During the self-service claim, please If you encounter any problems, you can call the insurance customer service to inquire. For other insurance types, you can call the national unified customer service hotline: 95566-4 (insurance service) to report the case.
The above content is for your reference, please refer to actual business regulations.
That’s it for the introduction of credit card delay insurance.