What kind of insurance does delay insurance belong to?

When encountering delays, airlines and airports report untruthfully about the reasons for delays and shirk compensation in every possible way. Passengers also sometimes behave irrationally. In recent years, passengers have caused riots at the airport and boycotted flights. Excessive rights protection phenomena such as boycotts and insults to flight attendants are common, which greatly affects the normal order of the airport. In this case, some insurance companies and banks have seen business opportunities and have provided some products for flight delays. As the conflict between airlines and passengers over flight delay compensation escalates, flight delay insurance has become a popular business at the moment. Types of insurance.

1 Basic introduction

In recent years, domestic flight delays have been common. Domestic airlines have been criticized for "flight delays". On the one hand, it is due to more traffic control and weather conditions, and on the other hand, it is due to the airline's own reasons such as mechanical failures and scheduling problems, which also account for a considerable proportion.

When encountering delays, airlines and airports report untruthfully about the reasons for delays and shirk compensation in every possible way. Passengers also sometimes behave irrationally. In recent years, passengers have caused riots at the airport and boycotted flights. Excessive rights protection phenomena such as boycotts and insults to flight attendants are common, which greatly affects the normal order of the airport. In this case, some insurance companies and banks have seen business opportunities and have provided some products for flight delays. As the conflict between airlines and passengers over flight delay compensation escalates, flight delay insurance has become a popular business at the moment. Types of insurance.

2 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. . 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.

3 Claims Instructions

How is the delay time calculated? There are currently two calculation methods for flight delays. One is calculated from the original departure time of the flight until the departure time of the earliest alternative transportation provided by the public transportation carrier. The other is calculated from the arrival time of the originally planned flight until the insured arrives at the originally planned destination.

In the past, passengers could go to the airport counter to ask for a certificate before the delayed flight took off, or they could ask for a certificate at the local airport counter after arriving at the destination. Moreover, the time for claiming was also limited and the claim was insured. People must report the incident to the insurance company within 30 days and apply for a claim. In addition to filling out the application form, the insured must also submit the insurance policy and personal identification, and provide written proof of the 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.

Now, in order to make claims settlement simple and fast, insurance 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.

4 Presentation Forms

Most overseas travel insurance covers “flight delay” liability

We learned from insurance companies that among the overseas travel insurance products currently on sale, basically All cover "flight delay" liability. This type of overseas passengers will be forced to purchase overseas travel insurance before departure (this is a mandatory requirement for "Schengen" country visas). This type of insurance covers "flight delay" and even "Journey Delay" Liability.

Most domestic travel insurance does not cover flight delays

Compared with overseas travel insurance, which generally covers "flight delay" liability, among domestic travel insurance products, the " "Flight delay insurance" is very rare and you need to purchase it yourself.

Airline co-branded credit cards come with free "flight delay insurance"

Currently, there are more than 30 co-branded credit cards issued by domestic banks and major airlines. Different from ordinary credit cards, In addition to accumulating airline miles and redeeming free air tickets, the points of these airline co-branded credit cards also have a very affordable additional function - providing various value-added services. For example, as long as customers purchase air tickets through designated channels, they will receive free air tickets. Accident insurance, flight delay insurance and baggage loss insurance, etc.

5 Purchasing Channels

Currently, the channels for purchasing flight delay insurance are relatively convenient. In addition to being able to choose to purchase tickets when booking on some airline websites, you can also purchase them on the official websites of insurance companies and some travel online platforms. In addition, in recent years, many domestic banks have launched services for business credit card customers who frequently travel, such as flight delay insurance, which allows them to apply for a card, swipe a card or become a certain level of credit card customer. Some travel insurance policies also cover flight delays.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance