To restart the search for MH370, it is necessary to understand the insurance knowledge related to aircraft.

Recently, the Malaysian government announced that it approved Ocean Unlimited, an American submarine exploration company, to restart the search for MH370 passenger plane, saying that if the wreckage of the plane could not be found, it would not be paid. In other words, Ocean Unlimited can only get paid if it finds the wreckage of the plane.

To restart the search for MH370, it is necessary to understand the insurance knowledge related to aircraft.

For many consumers, especially trapeze, you should know that there are related insurances to buy when flying, but what insurance products are there? What is their respective scope of application? I'm afraid I don't know much. So today, I will introduce you to the insurance knowledge related to aircraft.

First of all, it must be clear that there is not only one kind of insurance products related to aircraft, including liability insurance, fuselage and parts insurance insured by airlines to transfer their own business risks; There are also some consumer insurance from the consumer's point of view. Generally speaking, the following insurance products are commonly used by consumers.

1 aviation accident insurance. Aviation accident insurance is the abbreviation of air passenger personal accident insurance, which is purchased voluntarily by passengers. It mainly refers to the insurance that the insurance company pays the insurance money according to the contract when the personal injury caused by the plane accident leads to death or disability during the insurance period. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Simply put, this is a kind of insurance that consumers who fly often encounter. It belongs to the scope of commercial insurance, and the insured amount is relatively high. In the event of an unfortunate air crash, the compensation for family members is relatively in place.

2. Aviation liability insurance. Unlike aviation accident insurance, aviation liability insurance is a statutory insurance purchased by airlines in accordance with international practice. The object of insurance is the liability of the insured, and it is also a means to spread the risk of compensation, which objectively guarantees the passenger's right to claim compensation. However, the insurance amount allocated to each passenger is relatively low. This is also the reason why commercial aviation accident insurance exists, in order to make the unfortunate people in the air crash get more compensation. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

3. Flight delay insurance. If the results of the first two kinds of aviation insurance are the worst, then flight delay insurance is a kind of insurance that consumers may use more at ordinary times. Flight delay insurance refers to the insurance that the insured pays the insurance premium to the insurance company according to the provisions of the flight delay insurance contract, and when the flight delay agreed in the contract occurs, the insurance company pays the compensation amount according to the agreement. That is to say, with this insurance, when we encounter unbearable flight delay, we can not only vent it through friends circle or Weibo, but actually get compensation!

Understand the most commonly used types of aviation insurance products, and then tell you some common sense of buying.

First of all, be clear about the product type you choose. When buying related aviation insurance products, be sure to know what kind of products you are buying. For example, buying aviation accident insurance separately does not include the insurance liability for flight delay. If consumers want to get more adequate flight delay risk protection, they can choose to buy a combination of aviation accident insurance and flight delay insurance, or they can buy flight delay insurance separately.

Secondly, read "insurance liability" and "exemption from liability" carefully. Like other insurance products, consumers should also carefully read the insurance contract and carefully read the insurance clauses such as "insurance liability" and "exemption" when choosing to buy insurance products. For example, the aviation delay insurance that may be encountered frequently, it is necessary to find out what causes the delay to be the insurance responsibility of the flight delay insurance.

Several aspects that should be paid attention to in aviation delay insurance;

1, protection scope. Different insurance companies have different coverage of flight delay insurance. For example, some delay insurance only pays for the delay or cancellation of flights caused by natural disasters, mechanical failures, bad weather and other reasons, but does not pay for the delay caused by flight plan adjustment and personal reasons.

2. Stall for time. There are two ways to calculate the delay time: from the scheduled departure time of the flight to the actual departure time, or from the scheduled arrival time of the flight to the actual arrival time. Different insurance companies have different contractual agreements on delay time, initial compensation time and claim amount.

3. Change the visa or refund the ticket. Some flight delay insurance only covers the flights specified in the insurance contract, and the insured is exempted from liability for refunding or changing the ticket and the resulting delay losses.

Finally, know the claim method in advance. Similarly, taking aviation delay insurance as an example, there are two kinds of compensation processing: automatic compensation and active compensation. Automatic claim settlement means that the insurance company automatically identifies the flight delay according to the data in the system and automatically makes claims when an agreed insurance accident occurs. Active application for claim settlement requires the insured to report the case to the insurance company and provide relevant supporting materials (such as flight delay certificate and identity information). ) within the specified time after the insured accident. If consumers buy insurance products that need to apply for claims on their own initiative, when there is a flight delay, they must pay attention to keeping flight vouchers and flight delay certificates and file claims with the insurance company within the agreed time limit.

(The article comes from the "Baojian Micro Classroom" of WeChat official account)