Flight delays or cancellations, almost everyone who flies will encounter this situation several times! Because there are too many factors to consider when flying, and not every time the weather is suitable. But if the flight is delayed, we have flight delay insurance, everyone knows it!
But do you know whether the compensation standards of different banks are the same? The editor thinks that many people may not be aware of it. , then, next, the editor will introduce to you some compensation standards of each bank!
1. Bank of China
The first advantage of Bank of China is that, It is one of the few banks that does not require the use of this card to purchase tickets to enjoy aviation delay insurance. Conditions must be met: old users have a single card of 199 yuan x 3 purchases in a single month, and new users have the main credit card After activation, you can receive free flight delay insurance with any purchase.
The second advantage is that the regular card and gold card can also be guaranteed. However, the regular card and gold card will have to be delayed for 4 hours before compensation. This probability is very small.
Specific terms:
Departure time delays for Infinite Card, American Express Card, and Platinum Card will be 300 yuan for 2 hours, 500 yuan for 4 hours, and 1,000 yuan for 8 hours. The cumulative compensation for platinum is 3,000, and only the person will be compensated. Infinite card and American Express card include spouse and children: 5,000 each.
If the regular card and gold card departure time is delayed for 4 hours, the departure time will be 500 yuan, and if the departure time is delayed for 8 hours, it will be 1,000 yuan. The annual accumulation is 2,000 yuan.
The third advantage of Bank of China flight delay insurance is that it can protect mileage redemption tickets and air ticket changes, which is something that most other credit cards do not have.
2. CITIC Bank
The biggest feature of the flight delay insurance provided by CITIC Credit Card is that first, you must purchase tickets through designated channels, and second, it is a platinum card with no annual fee. If the ticket is delayed for 2 hours, the maximum compensation will be 1,000 yuan
yuan.
Third, eligible companions can be compensated, which refers to the cardholder’s spouse, parents and children taking the same flight as the cardholder and holding a CITIC credit card (cardholder’s children under the age of 18 do not need to hold a CITIC credit card). Have a CITIC credit card).
However, the exemption clauses of CITIC Bank’s flight delay insurance also need to be noted: First, delay insurance can only be used for pure air ticket orders. If you purchase air tickets + hotels or an entire group, The fee must be paid separately, otherwise no compensation will be made;
Second, no compensation will be given for changing the ticket; third, no compensation will be given if the flight is delayed or canceled two hours before the departure time, which is the most embarrassing point; fourth, the airport There will be no compensation for closing, and there will be no compensation for mileage redemption for air tickets.
3. Shanghai Pudong Development Bank
The delay insurance that comes with the Shanghai Pudong Development American Express Platinum Card (AE White) requires payment of air tickets or 70% of the tour fee. A fixed compensation of 500 will be paid for a delay of 4 hours. The maximum number of times and the annual limit is 5,000 yuan; no compensation will be paid for mileage redemption tickets and yuan tickets.
4. Guangfa Bank
Guangfa Bank has a large number of airline co-branded cards, with five levels of card levels ranging from regular cards to platinum cards. Its feature is that airline co-branded cards do not require the card to purchase tickets, while non-co-branded cards require purchasing air tickets or 80% of the group fare;
Delay insurance takes 4 hours to pay. Based on the flight arrival time, the compensation scope includes mileage redemption for air tickets.
The compensation standard for delay insurance, including spouse and children, is capped at 1,000 yuan for gold cards, 2,000 for platinum cards, and 300 yuan for regular cards.
In addition, some Platinum Cards, Premier Elite Cards, Infinite Cards, and World Cards also include travel inconvenience insurance, which covers unexpected situations such as luggage delay, luggage loss, travel document reset, and travel interruption, with a maximum limit of 2,000 yuan.
5. Ping An Bank
The flight departure or arrival time, whichever is longer, will be compensated for a delay of 2 hours. Platinum credit cards can pay up to 2,000 yuan each time, and diamond cards can pay up to 6,000 yuan each time; elite platinum credit cards can pay up to 800 yuan for delays of 3 hours or more.
The fare does not include civil aviation development funds, fuel fees, overseas flight taxes and fees. This card needs to be used to purchase tickets, and the tickets must be paid separately and cannot be mixed with the group fee. Compensation is available on flights worldwide.
6. Bank of Communications
Bank of Communications only has flight delay insurance for platinum cards (Bai Qilin). You need to use this card to pay the full fare of transportation or 80% of the tour fee. , Platinum card will pay a fixed compensation of 500 yuan for 2 hours of departure or arrival delay, 4 hours.
A fixed compensation of 1,000 yuan will be paid for any number of times;
A fixed compensation of 500 yuan will be paid for luggage delays of 2 hours, 4 hours. Fixed compensation of RMB 1,000
; it also covers loss of property, loss of documents, hospitalization, medical evacuation, trip shortening, trip cancellation, travel accidents, etc. during travel.
7. China Merchants Bank
China Merchants Bank has always been known for its good service, but its flight delay insurance is average. Since the compensation is delayed for 4 hours, the probability of receiving compensation is very low. .
Airline co-branded card, hotel co-branded card, Gloria Hotel Group co-branded card, all-currency international credit card: flight delayed by 4 hours/baggage delayed by 6 hours or lost/document lost/trip cancellation reimbursement
1,000 yuan.
Platinum Card (UnionPay White/Classic White): Flight delayed for 4 hours/baggage delayed for 6 hours or lost/document lost/trip canceled 2,000 yuan will be reimbursed
if the delay does not occur. The fee can also be paid as a fixed amount of 500 yuan.
Infinite Card, AE White Card, and Diamond Card: The maximum reimbursement limit is 4,000 yuan, and the fixed compensation is the same as above.
8. Industrial Bank
Industrial Bank provides aviation delay insurance services for designated diamond, platinum, and titanium credit cards (excluding Platinum Credit Cards for riders), and tickets must be purchased or paid 80%
More than 80% of the tour fee. Delay time is calculated based on flight arrival time. < /p>
5000), the benefits are especially obvious in the case of family travel.
The above are the more common credit cards that come with flight delay insurance. Since most of them are divided into two types: 2-hour compensation and 4-hour compensation, when buying air tickets, you can give priority to the credit card you have. Consider credit card purchases with a 2-hour limit.