Nowadays, with the continuous development of science and technology and economy, more and more people use airplanes as a means of transportation, but it is inevitable that there will be some unforeseen events thousands of miles above the sky. Moreover, in recent years, the frequent occurrence of air crashes has made many people aware of the importance of insurance. Aviation accident insurance, as the most targeted aviation protection product, has become the first choice for many people. However, there are still a few people who question the necessity of purchasing aviation accident insurance. In order to let everyone better understand the necessity of aviation accident insurance and choose appropriate insurance products, I will introduce the relevant content of aviation accident insurance to you in detail through this article.
Is it necessary to buy aviation accident insurance?
Everyone knows that the probability of aviation accidents is very low and the safety is very high, but once an accident occurs, the survival rate is almost zero. Aviation accident insurance is a powerful protection against death or disability caused by an aviation accident. The insurance company will provide high financial compensation to the family of the deceased, so that the relatives, children, and parents of the deceased can maintain their original living standards for a long period of time without suddenly falling into trouble. Therefore, in order to reduce risk costs, it is recommended that everyone buy an aviation accident insurance just in case. However, there is no need to purchase the 20 yuan single-time aviation accident insurance bundled with air tickets. Let’s talk about the reasons below. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country
Aviation accident insurance bundled with air tickets is a highly targeted commercial insurance designed by insurance companies specifically for air passengers. The selling price is generally 20 yuan, and the insured amount is 400,000 yuan. The coverage period generally lasts from the time the insured steps onto the plane to the time he gets off the plane, and covers personal injuries caused by aircraft accidents, including death and disability. I heard that it is very good. Not only the premium is low, but the insurance amount is also relatively "awesome".
But everyone should know that the ticket itself contains a type of passenger statutory liability insurance, which is compulsory insurance purchased by airlines. The insured amount is generally around hundreds of thousands, which means that when you purchase the air ticket, you already enjoy certain accident protection. If you think the insurance amount is not enough, you can actually purchase other commercial insurance that includes aviation accident protection. For example, for a person who travels frequently on business, it is conservatively estimated that it is indispensable to take 10 flights a year, and purchase bundled aviation accident insurance every time, which means that the premium paid per year is about 200 yuan. And what will happen if the two hundred yuan premium is used to purchase vehicle accident insurance? What kind of accident insurance includes accidental medical care? Which one offers more protection? Which one is more worth buying? Let’s take a look at some good accident insurance recommendations? The top 20 best-selling premium accident insurance products in 2020!
Take a public traffic accident insurance policy from Cigna as an example. The premium is up to 64 yuan and the protection period is one year. The coverage of this product includes, in addition to aircraft accidental death/disability protection with an insured amount of RMB 1 million, ship accidental death/disability protection with an insured amount of RMB 400,000, and train accidental death/disability protection with an insured amount of RMB 200,000. / Disability protection, and automobile accident death / disability protection with a sum insured of NT$200,000.
So, it is very necessary to purchase aviation accident insurance.
How much does aviation accident insurance cost?
The price of aviation accident insurance is not fixed and will be affected by many factors. The insurance period is a very important influencing factor. There are many insurance periods for aviation accident insurance on the market, mainly to meet the needs of different consumers. Generally speaking, the longer the insurance period, the more insurance premiums the policyholder needs to pay. Therefore, if you find that the price of aviation accident insurance with a shorter term is higher than that of aviation accident insurance with a longer term, you need to choose carefully at this time.
At the same time, insurance content is also an important influencing factor. Insurance content is mainly divided into two aspects, namely coverage and insurance amount. If aviation accident insurance can provide more protection for the insured, it means that the price of the insurance is higher; if the insurance amount of aviation accident insurance is higher, then its price will be higher, and vice versa.
To sum up, it can be seen that regarding the question of how much aviation accident insurance costs, we need to analyze and compare it through relevant influencing factors. It mainly has three influencing factors, namely insurance period, coverage and insurance amount. If you want to buy aviation accident insurance, you can apply for it based on the above factors.
Tips for purchasing aviation accident insurance
Just like any kind of shopping, aviation accident insurance is also a commodity, and there are certain skills in purchasing it. Consumers need to clarify their needs according to their own circumstances. Only in this way can we select the most suitable one among the many products from many companies.
1. Purchasing skills for different groups of people
Generally, different groups of people have obviously different needs for aviation accident insurance. The purchase should be considered based on the number of personal flights.
For those who occasionally fly, you can choose to purchase single or short-term aviation accident insurance. The premiums for this type of insurance are generally very cheap and the coverage is comprehensive. However, since it is a short-term insurance, you should pay attention to whether the protection period coincides with the travel time to avoid protection loopholes.
For business travelers who travel multiple times a year and use airplanes as their main means of transportation, short-term insurance is not suitable. It is recommended to purchase traffic accident insurance or comprehensive accident insurance with an insurance period of one year. , not only will the premiums add up to be more cost-effective, but it will also save you the trouble of repeated payments.
2. Tips on buying methods
There are many ways to buy aviation accident insurance, including: buying at the airport, buying by phone, buying from insurance companies, etc. Among the many ways to purchase, you may wish to consider purchasing online.
As more and more insurance companies enter online insurance product sales platforms, consumers can pay more attention to these platforms and find more flexible aviation accident insurance in places where similar products are more concentrated. Through the online platform, there are more advantages in terms of price, protection liability, insurance amount and convenience of purchase. And compared with offline purchases, online purchases can also see detailed introductions to insurance terms.
It should be reminded that after purchasing insurance, you must remember to check the authenticity on the official website of the insurance company, especially aviation accident insurance.
Things to note when purchasing aviation accident insurance
Industry insiders remind you to pay attention to the following points when purchasing aviation accident insurance:
1. A separate aviation accident insurance does not Coverage for flight delays is included. If passengers need to purchase flight delay insurance, they can choose a product combination of aviation accident insurance and flight delay insurance, or they can purchase flight delay insurance separately.
2. Aviation accident insurance must be purchased 1-2 days before the flight at the latest, and cannot be purchased on the same day. Most insurance companies will stipulate that the effective date of this type of product is the early morning of the next day, so everyone should purchase it at least one day in advance.
3. Most aviation accident insurances bear corresponding compensation liability for death or disability caused by accidental injuries. However, they do not "pay" for the medical expenses incurred by accidental injuries. Therefore, when purchasing this type of insurance, pay attention to whether the product you purchase contains accidental medical protection. After all, when an accident occurs, the possibility of being sent to the hospital for treatment is very high.
4. Please also pay attention to some exemption clauses. Purchasing aviation accident insurance does not mean that all accidents encountered in the air are covered. I found from the clauses of some aviation accident insurance that many accidents are covered by the liability exemption, including "terrorist attacks". In addition, insurance companies will not pay compensation for accidents occurring during nuclear explosions, nuclear radiation or contamination, war, military operations, riots or armed rebellions.
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Aviation accident insurance is the abbreviation of air passenger personal accident insurance. It is a highly targeted commercial insurance type specially designed by insurance companies for air passengers. The insurance period of aviation accident insurance begins from the time when the insured passenger steps into the cabin door of the flight specified in the policy to the time when he or she arrives at the destination port and walks out of the cabin door.
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