Aircraft crash and insurance compensation

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Aviation insurance is a general term for all kinds of dangers and insurance of aircraft. International aviation insurance can be roughly divided into the following categories:

1. Aircraft airframe loss insurance;

2. Liability insurance for loss of passengers and their luggage;

3. Third-party loss liability insurance other than aircraft;

4. Air cargo loss liability insurance;

5. Loss liability insurance related to airport facilities and business;

6. Aircraft loss liability insurance entrusted by the aircraft custodian;

7. Product liability insurance for aircraft manufacturers and repairers:

8. Contracted injury insurance for pilots, flight attendants and passengers. People who were injured on the plane.

What is aviation accident insurance?

Aviation accident insurance is the abbreviation of air passenger personal accident insurance. It is a highly targeted commercial insurance specially designed by insurance companies for air passengers. The insurance period begins when the insured passenger steps into the hatch of the flight specified in the insurance policy and ends when he flies to the destination port and walks out of the hatch. Its insurance liability is that during the process of boarding, taxiing, flying and landing, that is, during the insurance period, when the insured passenger suffers personal injury or disability due to an aircraft accident, the insurance company will pay the death insurance money according to the insurance amount stipulated in the insurance clause, or pay the disability insurance money according to the proportion corresponding to the physical disability.

At present, all domestic life insurance companies use aviation accident insurance clauses and rates issued by the People's Bank of China in July, 1998. The insurance premium of each policy is RMB 20 yuan, and the insurance amount is RMB 200,000. Passengers on domestic and international flights can buy it, and the compensation standard is the same. The same passenger can buy at most 10 copies.

The air ticket already includes insurance, so why buy aviation insurance?

The insurance included in the air ticket is the liability insurance for airlines to compensate air passengers for personal injuries and deaths caused by their own responsibilities. According to international practice and China's civil aviation regulations, aircraft need insurance. The insurance coverage of aircraft insurance includes: first, fuselage insurance, that is, accidental loss or damage of aircraft and its accessories during flight or taxiing, and on the ground; Second, third party liability insurance, that is, personal injury or property loss caused by falling objects on airplanes or airplanes; The third is the statutory liability insurance for passengers, that is, when passengers board or disembark, personal injury or death or loss of luggage and articles carried and registered for delivery due to accidents. When we say that air tickets include insurance, it mainly refers to the passenger's legal liability insurance included in the airline's aircraft insurance. According to Article 129 of the Civil Aviation Law, the maximum compensation limit is 16600 accounting unit, which is about 20,000 US dollars. In the statement issued by China International Airlines on the "4. 15" air crash, it was clearly told that "the aftermath should be handled in accordance with international conventions and practices and relevant civil aviation regulations."

What needs to be pointed out here is that aircraft insurance and aviation accident insurance are two different types of insurance, both of which are responsible for compensation, in order to provide more adequate insurance protection for air passengers. In the event of accidental injury, the relatives and family members of the deceased can get an extra insurance compensation, and the physically disabled can also get an extra disability insurance money. This reflects the country's concern and attention to the personal safety of air passengers.

Of course, for every air passenger, whether to buy aviation insurance is entirely voluntary. But not afraid of ten thousand, just in case. It's best to buy aviation insurance before it happens.

Airlines in China will charge an aviation insurance surcharge.

The General Administration of Civil Aviation of China recently issued a notice, agreeing that airlines should charge aviation insurance surcharges to passengers on international and Hong Kong and Macao routes. On this basis, from 10 to 15, Chinese mainland airlines will fly international routes originating from China. Does the cave include the domestic section of the international route? On the domestic routes from He Xue to Hong Kong and Macao, the airline insurance surcharge can be charged to passengers, and the charging standard is that each passenger does not exceed $2.5 per flight segment. Domestic airlines do not charge this fee at present.

After the "9 1 1" terrorist incident in the United States, global insurance companies jointly adjusted the compensation clauses for war reasons in the third party liability insurance, and airlines had to pay a one-time surcharge on the basis of the original premium; At the same time, the fuselage war insurance premiums renewed by 200 1, 1 and 1 have increased substantially.

According to the notice of the Civil Aviation Administration of China, foreign airlines and airlines of the Hong Kong Special Administrative Region and the Macao Special Administrative Region can charge passengers aviation insurance surcharges on international routes originating from the mainland of China and domestic routes flying to Hong Kong and Macao. The charging standard and implementation time shall be determined by the airlines according to the actual situation, and shall be implemented after being reported to CAAC for the record.

It is reported that the airlines in mainland China increased their insurance expenses by 654.38+0 billion yuan. Since the insurance surcharge is limited to passengers on international and Hong Kong and Macao routes, it can only cover 20% of the expenses of the airlines concerned.