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航延险理赔消费投诉增加

2017-08-21 03:16:36   中国青年网

本报讯(记者 董禹含)记者从保监会获悉,进入夏季汛期,航班延误多发,有关航班延误险理赔等方面的消费投诉也呈增加态势。中国保监会保险消费者权益保护局提示消费者,注意区分航班延误险和航空意外险,两者是不同的保险产品,前者航班延误险是一种财产保险,而后者航空意外险属于意外伤害保险。需要注意的是,单独购买航空意外险并不包含航班延误的保险责任。

保监会提醒,消费者在选择购买产品时,要认真阅读保险合同,仔细阅读“保险责任”和“责任免除”等保险条款内容。比如,不同保险公司的航班延误险承保范围是不同的,有的延误险仅针对自然灾害、机械故障、恶劣天气等原因引起的航班延误或取消进行赔付,而对于航班计划调整、个人原因未办理登机等情况引起的延误则不予赔偿。

航班延误险赔偿处理有自动理赔和主动申请理赔两种。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。

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