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Data:2009-12-12 2:34
Aviation accident insurance means that when passengers flying during the period from accidental death, disability or otherwise harmed, by the insurer in accordance with the terms of the insurance and the relevant provisions of the responsibility of the insurance contract. It is a substitute for a comprehensive accident insurance that is the traffic.
Hang Yixian generally have three kinds of payment situation.
First, the death of the life insurance customers, insurers pay death insurance;
Second, customers in the insurance policy
Within the validity period of disability, life insurance companies to pay disability insurance payments;
Third, the policy is in effect, without causing death or disability, but because of other medical costs caused by the insurance company according to a certain limit for payment of medical insurance.
Hang Yixian handled voluntary personal accident injury insurance, its insurance deadline for the general policy from the insured persons on board as specified in the aircraft door flight departure station to destination, the aircraft door.
Traditional Hang Yixian selling insurance policies using manual handling methods, due to "Hang Yixian" There underwriting cycle is short, sales agents network and more specific flights with airlines such as the characteristics of close-knit, making sales and managing complex policies, in particular, yes Chuxian, due to data accuracy is low, claims the work of great difficulty, the Chinese developer Hang Yixian Air letter the purpose of marketing systems is the use of reservation systems and integrated solution to the Hang Yixian Hang Yixian traditional sales problems.
It is understood that March 1, 2003, the insurance industry for aviation accident insurance carried out a reform. The most important is the repeal of the original insurance policies are filled out manually, rather a shift to on-line computer printed policy, the policy generated in the same time, the insured's information is also sent to the insurance company via the Internet.
During the Spring Festival this year, a number of airport were disrupted by hand sales of alternative products Hang Yixian market problems, the China Insurance Regulatory Commission on February 5 this year, to convene special meeting held in the Beijing area insurance companies, to discuss countermeasures. February 9, Baojian Ban and insurance companies to the China Insurance Regulatory Commission issued a "Circular on strengthening the management of aviation accident insurance market in an emergency notice", calling for March 1, the agency point of sale at the airport and Air Italy insurance and alternative products, the need to achieve a computer network, computer out of a single, real-time management, and to prohibit sales of hand-out of single-alternative products, and earnestly safeguard the legitimate rights and interests of the insured.
