Frequent rainstorms, flight delay insurance, stealth, insurance companies have their own tricks.

　　As of 18: 00 on July 6, according to the information of North China Meteorological Center of Civil Aviation, the Capital Airport is in continuous rainy weather. The Capital Airport plans to carry out 115 sorties, of which 584 have been carried out and 601 have been cancelled. While passengers are waiting anxiously, some people are "brushing" air delay insurance. According to the investigation of Beijing Youth Daily reporter, many "airline extension insurance" are quietly changing their faces, some are hiding and reluctant to sell, some are selling "packaged airline insurance", and some are pushing "annual cards". It is not easy to "bonus hunter" from insurance companies.

　　A business traveler once posted that when he found that there might be bad weather, he bought the "air delay insurance" of several airlines at one time, plus the flight extension insurance that was given free of charge by holding a credit card. When he encountered a flight delay of 6 hours, he earned 2,000 yuan, which was more than the ticket price. However, recently, many netizens found that the air delay insurance is not cheap, not only can’t get wool, but even can’t find it if they want to buy it.

　　Flight extension insurance is packaged into "aviation insurance" for sale.

　　Mr. Zeng, who travels to and from Beijing and Shenzhen on business at least once or three times a month, found that the price of "flight delay insurance" has quietly increased recently. For example, a flight delay insurance purchased through WeChat WeChat official account has been discontinued. The customer service told him that it was now changed to "economic" flight extension insurance in 35 yuan, and the insurance project increased the aviation accident liability of 1 million yuan. When the arrival was delayed for 3 hours, the return flight and the alternate flight, 200 yuan could be compensated; The price of the "exclusive money" is 50 yuan, and 300 yuan can be compensated if the arrival is delayed for 2 hours, when returning home or making an alternate flight. As we all know, "aviation insurance" is a product with a very small probability of claims, and consumers think that it is suspected of doubling the price in disguise.

　　The flight extension insurance "hide and seek" can’t find the link through three or four pages.

　　Some netizens said that they can’t buy flight delay insurance on Alipay, which means that the platform has quietly removed the "flight delay insurance". Yesterday, the relevant person in charge of Ant Financial said that the platform also has sales of flight extension insurance, but the entrance is not on the main page, so it is not easy for consumers to find it.

　　The reporter of Beiqing Daily saw that the "Insurance Service" icon should be found on Alipay’s homepage first, and then the "Travel" button was found. After entering, there was still no obvious link to the flight delay insurance products. From top to bottom, I turned almost three or four pages to the 11th product, only to see the product with the words "Domestic Travel Insurance Domestic" and click in to find a "Travel Delay Insurance" provided by Allianz Insurance.

　　This product is not a traditional "flight delay insurance", but a comprehensive travel insurance that includes flight delays. This guarantee covers products for one day. If the travel flight is delayed for 5 hours, 300 yuan will be compensated and 600 yuan will be capped. It also includes 10,000 yuan of medical expenses, 100,000 yuan of emergency medical transportation and return, and 100,000 yuan of products that died and were disabled in traffic accidents. The sales price is 15 yuan.

　　Zhongan sells airline extension insurance "annual card"

　　Zhongan introduced an "airport delay insurance" purchased in the WeChat applet. The price is 9.9 yuan, and 10 yuan is compensated without delay for 30 minutes. The maximum coverage is 6 hours, and the maximum coverage is 120 yuan.

　　In addition to the traditional aircraft delay insurance products whose sales price is 29.9 yuan and need to be activated one day in advance, Zhongan has sold 12 flight support products a year, with a guarantee of 299 yuan. For example, An Wei Signal said that if the rainstorm is delayed for more than 7 hours, the insured consumer can get a compensation of up to 998 yuan.

　　"Flight cancellation" compensation is not the same for each product.

　　Some passengers reported that the purchased flight was cancelled due to thunderstorm, and the "flight extension insurance" he wanted to buy was definitely compensated, and he was in a slightly better mood. However, when he opened the APP, he found that the claim scope of this product did not include the responsibility of "flight cancellation", which means that flight cancellation can neither be surrendered nor compensated.

　　When buying flight delay insurance, you need to pay special attention to see if "flight cancellation" is within the scope of claims, even if it belongs to an insurance company’s products. For example, Zhongan Insurance’s "Airport Delay Insurance" clearly indicates that only the delay within 6 hours will be paid, and the cancellation, alternate flight and return flight will not be paid.

　　Industry: It is not easy for insurance companies to "bonus hunter"

　　Some actuaries said that when the "flight extension insurance" was first introduced, insurance companies might lose money because of the unclear algorithm of data supplementary flight and compensation, the lack of uniform standards and the non-uniform market rates. Due to the uncertainty of flight delay probability affected by various factors, actuaries of insurance companies will introduce "packaged sales" and "annual cards" to increase premium income and hedge risks in order to ensure the interests of insurance companies.

　　Jiang Li, deputy general manager of Huixuan Insurance Network, who has participated in the research and development of several travel insurance and personal accident insurance products in China, also believes that the next stage of the development of aviation extension insurance is to package aviation extension insurance into comprehensive products such as aviation accident insurance or travel insurance. With the frequent occurrence of unexpected scenes during travel, users will pay more attention to the multiple protection insurance for personal and property during travel.

　　Expert connection

　　Cattle specialize in studying which route will be delayed.

　　Jiang Li, deputy general manager of Huize Insurance Network, said in an interview with Beiqing Daily that the enthusiasm of insurance companies in China for purely aviation delay insurance is declining.

　　On the one hand, the flight delay in China is very serious every summer. Due to the particularity of China’s airspace, if bad weather or airspace control occurs in any hub airport such as Beijing, Shanghai and Guangzhou, it will lead to a large-scale national flight delay, and the probability of delay is really difficult to calculate.

　　On the other hand, all operators of flight extension insurance are property insurance companies, and the actuarial level is not as high as that of life insurance companies. At that time, some insurance companies thought that this product didn’t need in-depth sales, but it could also attract customers, and immediately had sales and claims data, and they sold it at no cost. However, some problems occurred later. For example, there was a scalper group at an airport in a city in southwest China, which specialized in studying which route would be delayed and lobbied passengers to buy 10-20 yuan extension insurance. At that time, the pure extension insurance might immediately be compensated by 100 yuan-200 yuan. This "adverse selection" way of buying insurance only made the insurance company lose money. In the United States, Europe and other countries, there are few simple sales of flight delay insurance, which are all combined with accident insurance and property insurance.

　　Text/reporter Yan Lishuang