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航空延误险,到底该不该买?(理财参谋)

2017-08-07 06:32:47   中国青年网

■不同保险公司推出的延误险产品不同,即便同一家保险公司,不同产品在某些方面的具体要求也有区别。多数延误险需提前1—2天购买,延误时间一般以小时计算,理赔次数和理赔额度有限制

“雷雨季节坐飞机遇上延误是大概率事件,不仅耽误时间,还可能损失不少钱。”最近,在北京某事业单位工作的小郝坐飞机到昆明出差,又遇到了航班延误。

他说,有了上次延误白白浪费几小时的教训,这次飞之前就买好了延误险。“花9块9买的延误险,已经赚了70多元,只要飞机不起飞,每隔30分钟就有红包领,至少图个心理安慰。”

夏季雷雨频繁,买航空延误险成了不少“空中飞人”的选择。有朋友晒出航班晚点信息并评论说:“再晚1个小时就能拿延误险了,感觉找到了发家致富的新途径”“这样的雷雨季节出差,航班延误险是必买的”。

航班延误保险是财产保险的一种,通常是对被保险人除自身原因之外,因将要搭乘的固定航班被取消或延误达到一定时间所给予的经济补偿。购买延误险有多种渠道,除了在保险公司官网,还有少数航空公司订票官网提供了含延误险的航空综合险,第三方订票平台与保险公司联合推出延误险,以及信用卡用户获赠的航空延误险或旅行不便险。此外,保险公司也与微信、支付宝合作推出了一些延误险。

值得注意的是,不少人误认为延误必赔,结果发现获得赔付不尽如人意甚至得不到任何补偿。事实上,不同保险公司推出的延误险产品不同,即便是同一家保险公司,不同产品在某些方面的具体要求也有区别。多数延误险需提前1—2天购买,延误时间一般以小时计算,对理赔次数和理赔额度也有限制。

以信用卡用户获赠的延误险为例,不同信用卡级别对应不同延误保险金额,需满足一定条件才能赠送,还有指定订票渠道、是否使用该信用卡支付等限制。消费者应看清银行提供的航班延误保险条款及细则,比如,有些条款规定支付组合型费用是“机票+酒店”、里程票或积分兑换的机票不予赔付。

北京大学中国保险与社会保障研究中心研究员雒庆举强调,要特别注意保险条款中的“保险责任”“责任免除”等内容,避免产生理赔纠纷。购买延误险时,应重点关注保险责任中关于延误的界定、后续理赔流程等。各公司产品有很大差别,出现取消、备降、返航的情况不一定都在保险责任范围内。目前多数公司可自助理赔,不需要额外提供材料,但仍需注意是否有提供相关资料才能获赔的规定,保留好登机手续,防止可能出现的问题。

雒庆举建议,不经常坐飞机的人一般按次购买航延险即可,如果是长期出差的人,也可考虑购买年险。能通过延误险小赚一笔的是少数,应根据自己实际需要购买延误险,不能仅仅看到高赔付额度和低保费就动心。

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