In recent years, tourism has become a way of leisure for many people. As a means of transportation, the passenger flow of airplanes in these years can be said to be very much,. We all know that flights will be delayed due to air traffic control and other reasons. Is it necessary to buy flight delay insurance? What are the precautions for buying flight delay insurance?
Is it necessary to buy flight delay insurance?
1. Distinguish between flight delay insurance and aviation accident insurance
Flight delay insurance refers to the insurance that the applicant pays the insurance premium to the insurance company according to the provisions of the flight delay insurance contract. When the flight delay specified in the contract occurs, the insurance company pays the compensation amount according to the agreement.
Aviation accident insurance is the abbreviation of aviation passenger's personal accident insurance. It refers to the insurance that the insurance company pays the insurance benefits according to the contract when the death or disability is caused by the personal injury caused by the aircraft accident during the insurance period.
In nature, delay insurance is a kind of property insurance, while aviation accident insurance belongs to accident insurance.
2. Aviation accident insurance alone does not cover the insurance liability for flight delay. If you want to obtain flight delay risk protection, you should buy a combination of aviation accident insurance and flight delay insurance, or buy flight delay insurance separately.
3. Some flight delay insurance does not cover flight cancellation liability. After the flight is cancelled, we can't get compensation. We need to know in advance when we buy.
Precautions for purchasing flight delay insurance:
1. Coverage
Some delay insurances only pay for the flight delay or cancellation caused by natural disaster, mechanical failure, bad weather and other reasons, but do not compensate for the delay caused by the adjustment of flight plan and the failure to check in for personal reasons.
2. Delay time
Different insurance companies have different contract agreements on the delay time, the starting time and the amount of claims. Generally, there are two situations in the calculation of delay time: from the original departure time to the actual departure time of the flight, or from the original arrival time to the actual arrival time of the flight.
3. Ticket change or refund
Some flight delay insurance only covers the flights specified in the insurance contract. The insured's refund or endorsement and the resulting delay loss are exempt from liability, which should be clearly seen when purchasing.
4. Claim settlement method
There are two ways to deal with the compensation of flight delay insurance: automatic compensation and active application for compensation. When purchasing, it is necessary to know which one you are buying. Automatic claim settlement refers to the automatic recognition of flight delay by the insurance company according to the data in the system, and automatic claim settlement in case of agreed insurance accident.
Active claim settlement requires the insured to actively report the case to the insurance company and provide relevant supporting materials (such as flight delay certificate, identity information, etc.) within the specified time after the occurrence of the insurance accident.
If you buy the insurance products that need to apply for claim settlement actively, you must keep the flight certificate and flight delay Certificate in case of flight delay, and apply for claim settlement to the insurance company within the agreed period.
Now some Internet platforms have also introduced delay insurance. The biggest difference between delay insurance and traditional delay insurance is that it is not necessary to purchase flight delay insurance one day in advance on the Internet, especially for airport waiting users.
For example, when we arrive at the airport and find that the flight is about to be delayed, as long as it is 15 minutes before the scheduled departure of the flight, we can have insurance coverage, and we can get a red packet for 1 minute delay. The longer the delay is, the more compensation will be paid, of course, there is a maximum amount.