Category: Insurance tips Release Date: 2006-08-01
In recent years, passengers and airlines because of flight delays between the frequency of disputes arising published in the paper. According to July 1, 2004 come into operation on the "compensation for flight delays passengers guidance", the airline's own Ruoyin causes flight delays must be by cash, ticket discounts and mileage, etc. of the passengers for financial compensation.
Despite the provisions of the Civil Aviation Administration policy, but the airlines offer service to uncertainty, the compensation standard uncertainty, pay rate uncertainty ... ... All these uncertainties make tourists anxious while also adding to the various aspects. The face of 20% or even higher rate of flight delays, "flight delay insurance" finally "long-awaited."
Currently in the country, providing flight delays payment of the insurance are not many, mainly the United States and Asia "international travel insurance" and the Tai Ping Insurance "Le leisurely itineraries insurance."
It is understood that the insured way to provide the majority of flight delays payment of the insurance is included in the travel insurance packages in, and in general can not just buy it, but only by groups of individuals to purchase. For the insured has other insurance in the company's customers, some insurance companies will be relaxed restrictions, allowing customers to personally handle. Can be purchased at the airport with the Hang Yixian different, you want to buy with flight delays payment of the insurance may be not so easy. In addition to the insurance companies of the network, only the major travel agencies and their agents points can provide the necessary services.
The scope of protection according to different terms of the contract of insurance companies for the delay in the itinerary for an aggregate of more than a certain time delay, the specific circumstances of the policy holders will be financial compensation.
The general scope of claims due to inclement weather, mechanical failure, strikes, such as hijacking or sabotage caused the flight delays, the delays caused by other reasons is not within the scope of compensation, only the Taiping Insurance "Le leisurely itineraries insurance" for any reasons delays are to the claims.
The provisions of the delays were mostly "continuously for more than more than 8 hours", some are "cumulative trip delays of longer than 12 hours", where the "delay" refers to the "start delay", that is, delayed take-off. While the United States and Asia will be held on the flight delays in July from the definition changed to "delayed arrival"; if the flight half-way off-site emergency landing due to various causes, such as a third transfer causes delays in the arrival time for more than 5 hours of the above compensable.
Insurance, the consumer provisions of delays must understand clearly the "continuous" or "total", which will directly affect whether the compensation in the final.
Once the claims process experienced delays in travel emergencies, consumers first thing to do is to tell the insurance companies, and retain evidence of flight delays. Due to the short duration of travel insurance coverage, terms, and relatively simple claims procedure is not complicated, the vetting period is very short, as long as the material is complete, some insurance companies can even be on the spot claims.
Needed to produce the material claims, including claims for application forms, insurance contracts, ticket and passport copies and other relevant materials. It is noteworthy that, in flight delays and more than a certain time, passengers must be issued to require airlines to relevant evidence, if evidence of failure, the insurance company is likely to refuse payment.
Related Links baggage delay can also be compensable under the Civil Aviation Administration of the beginning of the new regulations, baggage loss will be some compensation. In addition, delays in arrival of baggage to passengers, especially regular departure caused inconvenience to visitors, some of PICC P & C products will also have to pay compensation.
It is understood that, for baggage exceeding a certain time delay in their arrival the situation, the international relief agencies will be the first re-submit a ticket for policy holders to provide emergency relief, and to pay part of the re-submit a ticket and the maintenance of basic living expenses. Need to be reminded that if they want to provide insurance protection Baggage delay insurance, need to select business property insurance companies, life insurance companies generally do not provide such services. (Zhou Kai Ling Xin)
