How to make a claim for aviation insurance?

On March 21, 2023, a China Eastern Airlines Boeing 737 crashed. There were 132 people on board, including 123 passengers and 9 crew members. On March 22, the China Banking Regulatory Commission issued a notice requiring all efforts to provide insurance claims services for the China Eastern Airlines passenger plane crash, and urged the insurance industry to quickly follow up on the progress of the accident and carry out underwriting work.

What does aviation insurance “cover”? Airline passengers

Aviation insurance refers to a type of aviation insurance with air travel as the subject of insurance, and is a type of property insurance. When an insured aircraft is damaged due to a natural disaster or accident, resulting in personal injury or property loss to a third party or passengers on board, the insurance company shall be responsible for compensation. To put it simply, aviation insurance not only protects the aircraft but also the passengers.

Take the airframe all risks and liability insurance insured by the above-mentioned insurance company as an example, which protects the insured aircraft from accidental loss or damage caused by non-exclusive liability within the scope of the policy; Any accidental personal injury or property damage caused by the insured aircraft or any person or object falling from the insured aircraft to a third party (excluding passengers on the aircraft) shall be liable for compensation in accordance with the law; passengers suffer any injuries during boarding or disembarkation. Accidental personal injury or death, loss or destruction of passenger baggage or personal belongings due to an accident on the insured aircraft.

So, how many similar aircraft safety accident claims will there be? Industry insiders predict that the overall price of the Boeing 737 is about US$80 million. Depending on the length of the flight, the price of the aircraft will depreciate. Aircraft crashes are generally classified as total losses, with compensation of about 300-400 million yuan. Passenger liability insurance is fully compensated, and the amount of compensation depends on the specific insured amount.

For domestic flights, the Civil Aviation Administration of China issued the "Regulations on the Liability Limit of Domestic Air Transport Carriers" in 2006, which stipulates that the liability limit of domestic air transport carriers for each passenger is RMB 400,000. If a passenger's personal injury or death is caused by an incident that occurs on a civil aircraft or when a passenger gets on or off a civil aircraft; in addition, the liability limit for personal belongings carried by each passenger is 3,000 yuan; the liability limit for passengers' checked baggage and transported items is 3,000 yuan per passenger. 100 yuan per kilogram.

However, in actual operation, my country's air crash compensation standards refer to the economic level and change with changes in the consumption index, so the actual compensation amount is often greater than the legal limit at that time. For example, in the Yichun air crash in 2010, each victim was compensated up to 960,000 yuan; in the Malaysia Airlines MH370 air crash in 2014, each Chinese passenger was compensated approximately 1.5 million yuan; in 2015, a TransAsia Airways passenger plane crashed into a river in Taiwan, China, and each passenger was compensated The compensation package for the passengers who died is RMB 2.95 million.

Purchase personal aviation accident insurance and other additional compensation

For ordinary passengers, individuals who purchase aviation accident insurance can also obtain insurance compensation. Aviation accident insurance is the abbreviation of air passenger personal accident insurance. It is a kind of commercial accident insurance specially designed for air passengers. The insurance liability of aviation accident insurance is that when the insured person is killed or disabled due to an aircraft accident during the flight, the insurance company will pay the insurance money according to the insurance terms. More broadly, there is also travel insurance, which usually covers liability including flight accidents.

Some insurance brokers said that the specific amount of aviation accident insurance premiums depends on the coverage period, coverage amount and the specific product selected by the policyholder. Usually the cost of a one-year aviation accident insurance is about one hundred yuan, and the coverage amount is usually several million yuan. Short-term insurance, such as one week's aviation accident insurance, generally costs about ten yuan. Whether aviation accident insurance can be purchased repeatedly and whether the insurance amount is superimposed depends on the relevant regulations of the selected insurance company.

In practice, some insurance companies will provide aviation accident insurance to customers as a gift, and some credit card users will also receive aviation accident insurance services provided by banks after reaching a certain level.

In addition, if you purchase comprehensive accident insurance, annuity insurance, whole life insurance, ter

Industry insiders believe that due to the sudden incident, many family members do not actually know what the victims bought during their lifetime. Insurance, whether you have aviation accident insurance. At this time, the insurance company needs to take the initiative to investigate. According to insurance company investigations, as of March 26, Ping An of China had received 26 accident-related reports. Among them, Ping An Life received 13 relevant reports, Ping An Pension received 7 relevant reports, Ping An Property & Casualty Insurance received 5 relevant reports, and Ping An Health Insurance received 1 relevant report. In addition, China Life Insurance Company received a missing contact report from a customer. Xinhua Life Insurance received a report of an incident from China Eastern Airlines.

How to get compensation for international flights?

According to data, in 1974, the People's Insurance Company of China issued and sold the first domestic aircraft insurance policy to civil aviation, which became the beginning of the development of aviation insurance in my country. At that time, the China Civil Aviation Joint Insurance Fleet only insured a sporadic four aircraft. In 1981, the People's Insurance Company of China revised the relevant provisions of aircraft insurance, and the aviation insurance business became mature and perfect. The amount and scale of insurance coverage are also expanding.

If it is an international route, most countries will follow the 1999 "Regulations". The Montreal Convention stipulates that the carrier's compensation limit reaches 100,000 Special Drawing Rights (approximately US$135,000). Regardless of whether there is fault or not, the carrier cannot exempt or limit its liability.

When the passenger's death or injury is caused by the carrier's responsibility, the passenger can also claim compensation of more than 100,000 SDRs.

As it involves international air transport business, the basic legal basis for passenger personal injury claims is the above-mentioned Convention. Regardless of whether there is fault or not, the carrier must pay 100,000 Special Drawing Rights (approximately US$135,000) for the personal injury or death of the passenger, and the carrier may not exempt or limit its liability. If a passenger is injured or killed due to the carrier's fault, the carrier's liability is unlimited.

Related questions and answers from National Business Daily: How is the insurance for air tickets paid?

The insurance for air tickets is aviation accident insurance.

There are three compensation situations for aviation accident insurance.

The first is to pay the death insurance benefit if you die within the validity period.

The second is to pay disability insurance benefits if you become disabled during the validity period.

The third type is that if no death or disability occurs during the validity period, medical insurance benefits will be paid according to the limit of 30,000 yuan. Aviation accident insurance is optional and you decide whether to buy it or not. The designation and change of beneficiaries have the following provisions: When entering into an insurance contract, the policy holder or the insured may designate one or more persons as beneficiaries. When there are several beneficiaries, the beneficiary order and beneficiary share need to be specified; if the share is not determined, the beneficiary rights will be equally distributed to each beneficiary. When the insured is a person without civil capacity or with limited capacity, his or her guardian may designate a beneficiary. When the beneficiary needs to be changed, permission and approval from the insurance company is required.