Do I need to buy insurance when flying?

General airlines will buy liability insurance from insurance companies. If there is an accident in transit, the airline has the responsibility to compensate the passengers for their losses and injuries. For a frequent flier like Mr. Jin, it is not cost-effective to buy one-off aviation accident insurance in 20 yuan. A staff member of Wenzhou Branch of PICC P&C Insurance Co., Ltd. introduced that the traditional 20 yuan aviation accident insurance is a tying product at the ticket sales point, and the coverage period of this insurance is limited to the current flight, from the time when the insured boarded the plane to the time when the flight ended, and the coverage is limited to personal injury caused by accidents during the flight. Therefore, 20 yuan's aviation accident insurance should be said to be more suitable for passengers who travel by plane occasionally and have not purchased any personal insurance. People who need to travel frequently by air, such as Mr. Jin, can buy an annual aviation accident insurance from the insurance company. The premium varies from 5 yuan to 200 yuan, with a maximum coverage of 2 million, which can save a lot of money in one year.

It should be noted that ordinary passengers who purchase tickets on regular websites or ticket sales outlets will be asked whether they want to buy aviation accident insurance in 20 yuan. In this case, passengers can choose not to buy. And Ctrip, Qunar and other airline ticket booking networks will find some special or promotional tickets, often because sellers ask 20 yuan to buy the current aviation accident insurance.

The reporter learned from several major insurance companies in the city that each company has annual aviation accident insurance. For example, the minimum annual premium of aviation accident insurance for PICC P&C insurance is 9 yuan, and the guarantee period is 1 year. The insured amount is divided into seven grades ranging from 200,000 yuan to 2 million yuan, and the premium with the highest insured amount of 2 million yuan is 90 yuan. In addition, China Life's annual aviation accident insurance covers not only 1 year, but also 7 days, 15 days, 1 month and 6 months. When the premium is 2 to 50 yuan, the maximum insured amount is 6,543,800 yuan.

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There are two ways to buy aviation accident insurance: one is to find an insurance company or agent to buy it; Second, buy through the website. Major insurance companies basically have their own online platforms to sell products. In addition, they can also purchase through a secure third-party network platform. Distinguish between true and false

1. Check with the insurance company:

After purchasing "aviation accident insurance", you should check the insurance company's website according to the policy number, or call the customer service hotline to check whether the policy number exists, so as to distinguish the authenticity.

2. Look at the date, phone number and website:

The effective time of the insurance on the real policy should be linked to the air ticket, accurate to the start and end date, and the fake policy only has the start and end date; The service telephone number and website of the insurance company should be conspicuously printed on the back of the real insurance policy. Unable to buy.

Generally, aviation insurance cannot be purchased in the following three situations:

1) Booking a credit card to pay for an e-ticket and printing the reimbursement voucher directly at the airport airline counter can't buy insurance;

2) The issuing city agent is temporarily unable to sell insurance;

3) The legal age of passengers is not covered by insurance companies.

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.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.