1. Flight delay insurance means that the policy holder (passenger) pays the insurance premium 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 insurer will (Insurance company) A commercial insurance act that pays insurance premiums according to the contract.

2. Application method:

① The insured must report the case to the insurance company within 30 days, apply for claim settlement, then fill in the application form, submit the insurance policy and personal identification, and show Written proof of delay time and reason issued by the airline or its agent. Sometimes, you also need to show proof of business travel and other documents. Usually, after submitting all the information, you will get a reply from the insurance company within 10 days. In order for insurance companies to make claims easier and faster, some companies have changed their products for these situations. Passengers whose flights are delayed do not need to submit written proof of delay and only need to provide their boarding pass to the insurance company.

② Various types of "aviation delay insurance" have different standards for how to define delays. Some are calculated based on flight departure time, while others are calculated based on arrival time. Some insurance policies also stipulate that delays caused by force majeure such as weather are not covered.

③Flight delay insurance with active claim settlement is a kind of insurance in which the insurance company does not require customer certification materials, and automatically tracks the delay of the insured through the system and automatically settles the claim.

3. Scope of liability:

Flight delays and cancellations caused by natural disasters, bad weather, mechanical failures and other factors are generally covered by this type of travel insurance. within the range. However, insurance companies generally stipulate that if bad weather causes the entire airport to close, it will be excluded. In addition, insurance companies are generally not responsible for compensation for flight delays or cancellations caused by earthquakes, tsunamis and other reasons. When the insured arrived at the airport, it was past the check-in time for the originally scheduled flight; the insured did not take the scheduled flight due to his own reasons; the insured's originally booked flight was cancelled, including cancellations and reservations before the scheduled departure time Cancellation after departure time); when the insured person booked the air ticket, he was informed of the circumstances or conditions that may cause the delay of the flight he was scheduled to take, including but not limited to any strikes or other workers’ protests, any natural disasters, emergencies at the travel destination Infectious diseases, or military exercises, etc.

For the compensation amount of flight delay insurance, it is recommended that you check your insurance contract or contact the official customer service of the corresponding insurance company for consultation. The official reply shall prevail.

Warm reminder: The above explanation is for reference only, and the insurance company shall prevail.

Response time: 2021-11-09. For the latest business changes, please refer to the official website of Ping An Bank.