Flight delays or cancellations, almost everyone who flies will encounter this situation several times! Because there are so many factors to consider when flying, not every time the weather is suitable, but if the flight is delayed, we have flights

Everyone knows about delay insurance, right? 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, so next, the editor will introduce it to you

Let’s take a look at the 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

For 199 yuan x 3 purchases per card per month, new users can receive flight delay insurance for any purchase after activating their main credit card.

The second advantage is that regular and gold cards are also guaranteed. However, both regular and gold cards have to be delayed for 4 hours before reimbursement is made. This probability is very small.

Specific terms: Departure time delays for Infinite Card, American Express Card, and Platinum Card will be RMB 300 for 2 hours, RMB 500 for four hours, and RMB 1,000 for eight 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.

Departure time delays of 4 hours for regular and gold cards will cost 500 yuan, and 8 hours delay will cost 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. The biggest feature of the flight delay insurance provided by CITIC Bank and CITIC Credit Card is that first, you must purchase tickets through designated channels, and second, the annual fee-free Platinum Card will pay for the flight if it is delayed for 2 hours, with a maximum compensation of 1,000 yuan.

The third is eligible companions who 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 18 years old do not need to hold a CITIC credit card).

However, you should also pay attention to the disclaimer clauses of CITIC Bank's flight delay insurance: first, delay insurance can only be used for pure air ticket orders. If you purchase air tickets + hotels or an overall group fee, you must pay separately, otherwise no compensation will be paid; second, if you change the

There will be no compensation if you sign a ticket; third, there will be no compensation if the flight is delayed or canceled two hours before the departure time, which is the biggest pitfall; fourth, there will be no compensation if the airport is closed, and there will be no compensation if you redeem miles for air tickets.

3. The delay insurance attached to the Shanghai Pudong Development Bank Shanghai Pudong Development American Express Platinum Card (AE White) requires payment of air tickets or 70% of the tour group fee. A fixed compensation of 500 yuan will be compensated for a delay of 4 hours. The single and annual upper limit is 5,000 yuan; no compensation will be paid for mileage redemption tickets.

, Yuan tickets will not be compensated.

4. Guangfa Bank Guangfa Bank has a large number of airline co-branded cards, and the card levels are divided into five levels from regular cards to platinum cards.

Its characteristics are that airline co-branded cards do not require the card to purchase tickets, while non-co-branded cards require the purchase of air tickets or 80% of the group fare; delay insurance only pays out after 4 hours, based on the flight arrival time, and the scope of compensation includes mileage redemption for air tickets.

Delay insurance compensation standards, including spouse and children, are capped at 1,000 yuan for gold cards, 2,000 yuan 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 will compensate for a delay of 2 hours based on the longer of the flight departure or arrival time.

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.

Fares do 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 group fee. Platinum cards will pay a fixed compensation of 500 yuan for a 2-hour delay in departure or arrival.

Fixed compensation of 1,000 yuan for 4 hours, no limit to the number of times; fixed compensation of 500 yuan for 2 hours of baggage delay, and fixed compensation of 1,000 yuan for 4 hours; also covers loss of property, loss of documents, hospitalization, medical evacuation, trip shortening, trip cancellation, etc. during travel.

Travel accidents, etc.