How much is the delay insurance delayed?

1. Flight delay insurance refers to the commercial insurance behavior that the insured (passenger) pays the insurance premium to the insurer (insurance company) according to the agreement in the flight delay insurance contract, and when the flight delay occurs, the insurer (insurance company) pays the insurance premium according to the contract.

2. Application method:

The insured must report the case to the insurance company and apply for compensation within 30 days, then fill in the application form, submit the insurance policy and personal identification, and show the written proof of the delay time and reason issued by the airline or its agent. Sometimes, you need to show your business trip certificate and other information. Usually, after all the information is submitted, the insurance company will reply within 10 days. In order to make claims easier and faster, some insurance companies have changed their products in response to these situations. Passengers with delayed flights do not need to submit written proof of delay, but only need to provide boarding passes to the insurance company.

② Various "flight delay insurance" have different standards on how to define the delay, some are calculated according to the flight departure time and some are calculated according to the arrival time. Some insurances also stipulate that delays caused by force majeure such as weather are not covered.

(3) Flight delay insurance with active claims is a kind of insurance that the insurance company can automatically track the delay of the insured through the system and make claims automatically without customer certification materials.

3. Scope of responsibility:

Flight delays and cancellations caused by natural disasters, bad weather, mechanical failures and other factors are generally covered by this kind of travel insurance. However, insurance companies generally stipulate that unless the whole airport is closed due to bad weather. In addition, insurance companies are generally not responsible for compensation for flight delays and cancellations caused by earthquakes, tsunamis and other reasons. When the insured arrives at the airport, it has exceeded the scheduled boarding time; The insured fails to take the scheduled flight due to his own reasons; Cancellation of the original scheduled flight of the insured, including cancellation before the scheduled departure time and cancellation after the scheduled departure time); When booking the air ticket, the insured has been informed of the circumstances or conditions that may delay the scheduled flight, including but not limited to any strikes or other workers' protests, any natural disasters, sudden infectious diseases at the travel destination or military exercises.

I suggest you refer to your insurance contract or contact the official customer service of the corresponding insurance company for consultation, subject to the official reply.

Tips: The above instructions are for reference only, subject to the insurance company.

Reply time: 2021-11-09. Please refer to the latest business changes announced by Ping An Bank in official website.