Is it necessary to buy Ctrip Extended Portfolio Insurance?

It is necessary, even if the plane is the travel tool with the highest safety factor, when we buy air tickets on online platforms such as Ctrip, Qunar and eLong, we usually choose to spend 30 to 40 yuan to check an aviation insurance. However, the aviation insurance you bought is different. Aviation insurance premium is very low, but you can have millions of insurance coverage. Therefore, it is very necessary to buy a aviation insurance yourself.

The ticket we bought contains insurance itself. This insurance is called airplane insurance. Its insurance coverage includes: fuselage insurance, third party liability insurance and passenger statutory liability insurance. What our passengers care about is the statutory liability insurance for passengers.

Passengers who have accidents when getting on or off the plane, resulting in personal injury or loss of luggage and articles carried or registered for delivery, shall be compensated by the passenger's statutory liability insurance.

It should be noted that the amount of statutory liability insurance for passengers included in the ticket is very low. According to Article 129 of the Civil Aviation Law, the maximum compensation amount is 16600 accounting unit, which is about 20,000 US dollars.

It is worth noting that the aviation accident insurance bound by the platform guarantees a single flight time and belongs to a "one-time consumption" product. Moreover, it is guaranteed for a single flight segment, that is, from the time when the insured passenger steps into the cabin door of the flight stipulated in the policy to the time when he flies to the destination port and walks out of the cabin door. If you need to transfer, you need to buy aviation insurance again.

For example, if you need to transfer to another flight, that is, two flight segments, the premium is: 30*2 flight segment =60 yuan, and so on. Insurance is usually one-off. If the flight changes, the insurance policy will also be revised. Since it is a disposable product, it is not cost-effective, especially for people who fly all the year round.

Obviously, it can be seen that the flexibility of price, insurance coverage and choice is better than the aviation accident insurance tied to the ticketing APP. Short-term travel or business trip all the year round, you can find the aviation insurance that suits you. There is no need to buy again and again, and the amount of insurance is selected as needed. The key is not to limit the number of flights. During the guarantee period, it is ok to make several flights.