大家购买航空/旅行意外险么？

玩卡 信用卡
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由东航MU5735悲剧引起来的思考，大家出行都买航空意外险么？当然是希望航空意外险永远也用不上，但是万一发生，尤其是家里的顶梁柱遇险的话，至少给亲属会有一个物质上的保障。
大陆的航空公司对于没有购买航空险的空难理赔现在是封顶40万人民币，
中国大部分的信用卡（金卡以上）基本上购买公共交通工具票款或支付80%以上(含)的旅游团费，就自动赠送旅行意外险，基本主卡至少200万人民币，高端卡比如招行能理赔3000万。
美国好像没有听说哪个信用卡有自动赠送航空意外险？

PS. 再次感叹世事无常！这帖子才发了几个小时，就接到了朋友电话，我们共同的一个朋友刚刚进了ICU，准备开车过去，5个小时的车程，哎，真是心碎+心烦

国内运通白金保险福利

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CSR有1m USD

Benefit Overview

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

The following information is a summary only. Please see your Guide to Benefits for complete details.

Additional Benefit Information

  • Travel Accident Insurance consists of two benefit types, Common Carrier Travel Accident Insurance and 24-Hour Travel Accident Insurance, which provide coverage for accidental death or dismemberment, or a combined loss of speech, sight or hearing, experienced on a covered trip. Benefits are available when some portion of a covered trip has been purchased with an eligible Chase card or with rewards earned on an eligible Chase card.

Who’s Covered

  • Cardholder
  • Immediate family members (even if the Cardholder is not traveling with them)

What’s Covered

  • Common Carrier Travel Accident Insurance provides benefit for a covered loss when entering, exiting, or riding as a passenger on a common carrier, such as airline, bus, train or cruise ship

  • 24 Hour Travel Accident Insurance provides benefit for a covered loss beginning on the departure date printed on a scheduled airline ticket and ends on the return date printed on the ticket (if your trip is longer than 30 days in length, see additional terms in your Guide to Benefits)

Note: Both types of insurance are not payable for the same accident. Any payment you receive will be for the largest eligible benefit amount. Please refer to the terms in your Guide to Benefits for additional details.

Coverage Amount

Common Carrier Travel Accident Insurance

  • Benefit amount for loss of life is $1,000,000

  • Benefit amount for dismemberment and/or a combined loss of speech, sight and hearing are expressed as a percentage of the loss of life benefit and are available in your Guide to Benefits maximum payout is $1,000,000

24 Hour Travel Accident Insurance

  • Benefit amount for loss of life is $100,000
  • Benefit amount for dismemberment and/or a combined loss of speech, sight and hearing are expressed as a percentage of the loss of life benefit and are available in your Guide to Benefits; maximum payout is $100,000

Note: If more than one eligible person is injured, coverage does not exceed two times the applicable benefit amount; the aggregate amount will be divided proportionally among eligible persons

What’s Not Covered

This is not an exhaustive list. Examples include:

  • The covered person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection

  • The covered person’s commission or attempted commission of any illegal act including but not limited to any felony

  • The covered person participating in parachute jumping, engaging in vehicular race or speed contest, or any sporting activity for which salary or prize money is earned

  • A declared or undeclared War

  • Trips on scheduled aircrafts that are not registered or certified by the government or governmental authority (24 Hour Travel Accident Insurance).

Important Claim Information and Timeframes

  • You, the Cardholder, must file a written claim within 20 days after the occurrence (or as soon as reasonably possible)
  • The Benefit Administrator will send you a claim form when you report your loss. You must submit a completed claim form with supporting documentation within 90 days from the date of occurrence (or as soon as reasonably possible)
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我一直觉得中国各种赔偿真的太少了
可能是保险公司没有这么普遍的原因吧
在美国被航空公司打一顿都赔的比这个多 :yaoming:

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我现在买机票基本都是Amex Plat，看了下policy，好像没找到有意外身故的理赔金额

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amex没有

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从概率来说，不划算。很多保险公司就靠卖航空意外险赚钱。
建议有了life insurance就不用单买航空意外险了。

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对，航空公司自己的那部分真的是太少了。
所以身处国内的人买机票，刷信用卡，还是有好处的。
不过也许好多人都是通过alipay/微信来付款？不过这样的话，好像就没有办法理赔吧？

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都死了赔的钱也花不了啊……

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9

HSBC premier系列的信用卡有，好像也是1m

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以现在中国大陆的情况
双职工，最多可能要赡养6口人，万一有一个因为意外去世，
抑或是两口子都遇难了，理赔金对于家人还是很有很大帮助的
不然祖父母那一边，压力不是一般的大

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就是说机票2%的reward拿去买保险了 :thinking:

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就害怕一家人都做一班飞机

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14

amex把这个意外险当作额外收入自己卖

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遇到这种一家子的，那就真的没办法了

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16

看来还是分开不要坐同一班飞机

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17

那也太不方便了

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目前看来只有CSR和wells fargo一张卡送100w，csp和ua，万豪送50w，C1的一张送25万还是50万来着。visa infinity可能送50万还是100万请自己查。
美国amex白金居然不送啊！这还好意思说是travel卡！

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听你这么一说，突然想起来我认识一对老夫妻，两个人出门，一直都是做同一天飞，但是不同航空公司的航班去同一个目的地，这是有先见之明么

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Delta Amex 送不送？

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amex全都不送

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