[保险] 求助：保险claim被拒，这种情况应该怎么索赔？基本情况是这样的，2月初飞悉尼买了ACE的travel insurance，回来的时候飞机不幸晚点八个小时。
然后回来就claim ACE, 今天刚收到ACE的reply，denial for claim。
ACE 的解释如下，大概的意思的是我们提供的延误的原因是因为从新加坡过来的飞机延误， 这个在他们的policy wording没有cover。
实在觉得他们的这个解释很扯，但是真心不太懂该怎么跟他们argue。
所以求助保险达人，这种情况应该怎样处理？
多谢各位的帮助了。
Reply from ACE
We refer to the above claim. Upon reviewing the claim documents available to us, we have noted the following:
Travel period: 10-17 Feb 2014
Scheduled departure :Sydney on 17 Feb 2014 @ 13:50
Actual departure :Sydney on 17 Feb 2014 @ 21:55
Hours of delay : 8 hours 5 minutes
Reason for delay ate arrival of incoming air craft from Singapore
We would like to draw your attention to the following Section of the Policy Wording:
SECTION 12 – TRAVEL DELAY
If, during the Period of Insurance, whilst the Insured Person is on a Journey, the departure of the Scheduled Flight is delayed for at least six (6) consecutive hours at any single location in the itinerary supplied to the Insured Person, due to Strike or industrial action, adverse weather conditions or mechanical breakdown/derangement of the Scheduled Flight or due to grounding of the Scheduled Flight as a result of mechanical or structural defect, the Company will pay the Insured Person the relevant Benefit amount specified in the Certificate of Insurance for every full six (6) consecutive hours of delay (the delay being calculated from the departure time of the Scheduled Flight specified in the itinerary), up to the maximum Benefit amount specified in the Certificate of Insurance. The delay must be verified in writing by the operator of the Scheduled Flight or their handling agent(s) as well as the number of hours delayed and the reason for the delay.
In this instance, in view that the late arrival of the aircraft is not a covered reason for delay, we regret to advise that the Policy will be unable to respond to the claim for Travel Delay.
---
该帖荣获当日十大第3，奖励楼主15分以及22华新币，时间：2014-03-19 22:00:01。[紫檀 (3-19 1:03, Long long ago)]
[ 传统版 |
sForum ][登录后回复]1楼
明明写行程任何地点起飞延迟6小时保险公司明明是玩字眼打劫啊。飞机到达晚点还能因为飞机在天上多飞了6小时。必然因为起飞迟啊。
所以保险term是行程任何地点起飞延迟。
搞不定去general insurance associate投诉吧
[本文发送自华新手机Wap版]
[paji (3-19 7:37, Long long ago)]
[ 传统版 |
sForum ][登录后回复]2楼
新加坡飞机延误是什么原因？是天气原因还是航空管制？有收到书面的证明吗？
我最近也是claim了航班延误的保险 [深白 (3-19 10:19, Long long ago)]
[ 传统版 |
sForum ][登录后回复]3楼
航班延误能赔偿啥啊?我都不知道这个可以赔，延误不是经常发生吗 [本文发送自华新手机Wap版] [bbmm (3-19 10:48, Long long ago)] [ 传统版 | sForum ][登录后回复]4楼
(引用 bbmm:航班延误能赔偿啥啊?我都不知道这个可以赔，延误不是经常发生吗)+1, 曾经回程被cancel而且是到了机场才find out也木有的赔折腾了一个多月才好容易把机票钱退回来~ [本文发送自华新手机Wap版] [MinoMino (3-19 15:20, Long long ago)] [ 传统版 | sForum ][登录后回复]5楼
(引用 MinoMino:+1, 曾经回程被cancel而且是到了机场才find out也木有的赔折腾了一个多月才好容易把机票钱退回来~)ace相当烂的公司，旅游保险要买AIG[scyhz (3-19 15:43, Long long ago)] [ 传统版 | sForum ][登录后回复]6楼
(引用 scyhz:ace相当烂的公司，旅游保险要买AIG)Ace的口碑确实不如Aig但就事论事， 楼主应该拿上相关延误证据找保险公司，（若条款写了必须是因为机械故障或坏天气，就找航空公司拿当时他们晚8小时的原因。）[x4 (3-19 16:04, Long long ago)] [ 传统版 | sForum ][登录后回复]7楼
(引用 scyhz:ace相当烂的公司，旅游保险要买AIG)忘记是哪间了, 印象中是用某银行信用卡买机票自带的保险想一想也知道这种保险好不到哪去 [本文发送自华新手机Wap版] [MinoMino (3-19 16:24, Long long ago)] [ 传统版 | sForum ][登录后回复]8楼
(引用 x4:Ace的口碑确实不如Aig但就事论事， 楼主应该拿上相关延误证据找保险公司，（若条款写了必须是因为机械故障或坏天气，就找航空公司拿当时�...)具体能陪什么呢 [本文发送自华新手机Wap版] [bbmm (3-19 17:45, Long long ago)] [ 传统版 | sForum ][登录后回复]9楼
(引用 bbmm:具体能陪什么呢)一般是即使坐上飞机了, 每6个小时赔一定数目的现金。
如果没坐上飞机, 机票钱都可以索赔回来。[x4 (3-19 19:04, Long long ago)]
[ 传统版 |
sForum ][登录后回复]10楼
楼主他的email说你飞机的delay不是因为以下之一所以不赔：
Strike or industrial action, adverse weather conditions or mechanical breakdown/derangement of the Scheduled Flight or due to grounding of the Scheduled Flight as a result of mechanical or structural defect
你可以跟他们证明是以上其中某个原因引起的delay吗？[kukuhelen (3-20 9:58, Long long ago)]
[ 传统版 |
sForum ][登录后回复]11楼