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购买航班延误险有诀窍

2017-08-31 06:40:58   中国经济网

今年自进入夏季以来,雷电、暴雨等灾害天气多发,航班频频晚点,航班延误险因此一度销售火爆。

所谓航班延误险,是指根据航班延误保险合同规定,投保人向保险公司支付保险费,当合同约定的航班延误情况发生时,保险公司按照约定支付赔偿金额的保险。作为人们乘飞机出行的一种保障,航班延误险虽然不是新生事物,但随着行情的火爆,最近也渐渐玩出了新花样。有不少消费者发现,近期一些单次航延险提高了理赔门槛,有的保险公司将其与航空意外险打包售卖,也有些保险产品如一年期交通意外综合险直接把航班延误列为保障范围。

购买航班延误险有哪些诀窍?消费者该注意哪些问题?日前,本报记者在某旅行APP上订购一张北京飞往广州的机票,页面提醒可以直接勾选投保单次航班延误险,每人20元。该保险条款规定,被保险人必须乘坐投保航班且航班抵达目的地时延迟2小时(含)及以上赔偿200元,但是起降地不包含北京、上海、广州、深圳的航班;延迟4小时(含)及以上赔偿200元,起降地为北京、上海、广州、深圳的航班能够适用。由此可见,保险公司的确提高了部分航班的理赔门槛。

记者紧接着查询多家航空公司官网发现,除了可以投保单次航班延误险,消费者还可选择一个月或是一年期的航延险,当然更多是将航意险+航延险组合销售。“进入6月份以后,航班延误频繁发生,单次航班延误险销售火爆,但赔付率也非常高。不少保险公司调整产品设计,推出一些包月、包年或是组合套餐形式的相关产品,以更好地满足市场需求。”某保险公司客户经理对记者说。

航班延误的救济渠道不仅是航班延误险,一些保险产品如一年期交通意外综合险也直接把航班延误列为保障范围。北京市民王女士告诉记者,由于工作原因,常常要乘飞机、高铁、汽车外出,难免遇到航班晚点,甚至还遭遇过汽车故障,因此她投保了一年期的交通意外险,该产品不仅为航班延误提供赔偿,更对投保人在保险期内乘坐飞机、火车、轮船等交通工具发生意外时,给付保险金。

毋庸置疑,相关保险产品确实能为人们的出行带来一定的保障,但消费者在投保时依然要谨慎。业内专家提醒,消费者在投保时,首先应区分航班延误险和航空意外险。航班延误险是一种财产保险,航空意外险属于意外伤害保险。如果消费者想获得更充分的航班延误风险保障,可以选择购买航空意外险和航班延误险的组合产品。

值得关注的是,航班延误险无论是包月还是包年,一般理赔次数和赔付金额均有上限,消费者可根据自己的情况选择赔付次数和保险金额。同时,不同保险公司的航班延误险承保范围不同,消费者在投保时必须仔细阅读保险条款,看清责任免除事项,以免造成理赔纠纷。

另外,航班延误险赔偿处理有自动理赔和主动申请理赔两种。自动理赔是指保险公司根据系统内数据自动识别航班延误情况,发生约定的保险事故时自动理赔;主动申请理赔则需要被保险人在保险事故发生后,于规定时间内主动向保险公司报案并提供相关证明材料(如航班延误证明、身份信息等)。消费者若购买了需要主动申请理赔的保险产品,出现航班延误时,一定要注意保留好乘机凭证和航班延误证明,并在约定期限内向保险公司提出理赔申请。(经济日报记者 李晨阳)

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