Customer Service Center > Insurance

Insurance

Insurance Products And Service For Air China Members

I. Product and Services

1. Product

(1) BOC-Samsung Life Air Travel Accident Insurance Scheme

Name of the Scheme Insurance Terms Insurance Cover Insured Amount Insured Amount Insurance premium
BOC-Samsung Life Air Travel Accident Insurance Scheme BOC-Samsung Life Air Passenger Accident Insurance BOC-Samsung Life Air Passenger Accident Insurance 1.2 million RMB Flights agreed upon RMB/policy
Aviation Accident (disabilities)

(2) Approval Document No., Registration No./Filing No.

BOC-Samsung Life Air Travel Accident Insurance Scheme is governed by the terms contained in the “BOC-Samsung Air Passenger Accident Insurance”. The registration number is BOC-Samsung Life [2015]3-55. The terms code is BOC-Samsung Life Insurance [2015] Accident Insurance No. 055.

(3) The seller and service provider of the insurance is Air Union Insurance Brokering (Beijing), or Air Union, in short. Website: www.auib.com.cn/

2. Service Numbers:

(1) Air China: 95583

(2) Air Union: 400-810-2688

(3) BOC-Samsung Life Insurance has branches in cities of Beijing and Tianjin as well as provinces of Shandong, Sichuan, Guangdong, Jiangsu and Zhejiang. National hotline: 95566-1-5

(4)Declaration and Confirmation by the Policy Holder and the Insured

The insured (i.e. passenger) agrees to purchase this insurance product and recognizes the insured amount, has read all the contents of the insurance terms, and understands and accepts all the important terms pertaining to exemptions, expenses, deductions and surrender. This insurance product is not applicable to infants for the time being.

3. Period of Insurance

The period of insurance pertains to the flight for which the insurance is taken out. It starts from the time the insured clears the security check with his/her valid ID at the airport to the time the insured walks out of the gate of the aircraft used to operate the flight at the airport of destination. If the insured takes another flight of the same nature (with origin/destination, conditions of use, etc. remaining unchanged), this insurance remains valid, and in this case, the period of insurance starts from the time the insured clears the security check with his/her valid ID at the airport to the time the insured walks out of the gate of the aircraft used to operate the flight of the same nature at the airport of destination.

4. Insurance Cover

(1) Aviation Accidental Death

If the insured dies within 180 days after an accident injury occurs which is the direct cause of the death, the insurer will pay the accident death insurance money and the insurance contract is terminated.

(2) Aviation Accidental Disabilities

If the insured becomes physically disabled within 180 days after an accident occurs which is the direct cause of the disability, and the disability is one of those listed in the “Health Insurance Disabilities Appraisal Standards” attached to the contract of insurance, the insurer will appraise the severity of the injury inflicted upon the insured based on the appraisal principles contained in the “Health Insurance Disabilities Appraisal Standards”, and pay the accident disabilities insurance money using the ratio which corresponds to the results of the appraisal.

5. Liability Exemptions for the Insurer

The insurer is exempted from its liabilities in one of the following circumstances where insured dies, becomes disabled or has to pay medical expenses:

(1) The policy holder intentionally kills or injures the insured;

(2) The insured intentionally injures himself/herself, intentionally commits crimes, gets drunk, fights with others or resists the coercive measures taken against him/her according to law;

(3) The insured commits suicide, except the case where the insured has no capacity for civil conduct when committing suicide;

(4) The insured takes drugs or inject drugs for himself/herself;

(5) War, military conflict, riot or armed rebellion occurs; nuclear explosion, nuclear radiation or nuclear pollution occurs;

(6) The insured suffers from an accidental injury by taking a flight not agreed upon in the contract of insurance.

(7) The insured does not get onboard the flight after clearing the security check at the airport but instead leaves the airport terminal and suffers from an accidental injury.

The contract of insurance is terminated if the insured dies in one of the above circumstances.

6. Age of the insured: This insurance product is NOT applicable to infants for the time being.

7. Number of insurances each insured can take out: Each insured can take out only one insurance.

8. Methods of premium payment: Passengers should pay the premium and pay for the ticket at the same time.

9. The way the contract of insurance is made: The contract of insurance is made when a passenger purchases the ticket for flight, takes out the insurance and pays the premium online.

10. Form of the insurance policy: The electronic insurance policy is offered, which means the certificate of insurance is in an electronic form. No paper insurance policies and paper certificates of insurance exist. Passengers can call the insurer for insurance policy inquiries and authentication.

11. Invoice:The invoice of the insurance which can be used for reimbursement purposes is contained in the Receipt/Itinerary of E-Ticket for Air Transportation. The insurance premium is reflected in the “Insurance Premium” box of the Itinerary/Receipt of E-Ticket.

12. Delivery of invoice: The delivery of the invoice, which is reflected in the Itinerary/Receipt of E-Ticket, is specified in the notes on ticket purchase.

13. Insurance policy inquiries and authentication

(1) National customer service of Air Union: 400-810-2688

(2) National customer service of BOC-Samsung Life: 95566-1-5

(3) Official website of BOC-Samsung Life:

http://www.boc-samsunglife.cn

14. Privacy

We promise to keep confidential the passenger’s (the insured’s) identity and insurance transactions and guarantee the safety of the insurance transactions.

II. FAQ (Frequently Asked Questions)

1. What is “Electronic Air Passenger Comprehensive Insurance”?

Broadly speaking, it refers to the insurance products offering insurance against accident damages that could occur to air travelers, covering flights, short-term traffic accident injuries, passengers’ checked baggage, flight delay, flight cancellation and discount ticket cancellation. Electronic passenger comprehensive insurance policy is used instead of the traditional paper insurance policy. The information on the passenger and the information on the insured are managed and shared in an online environment. The information on the premium and payment for the premium are reflected in the system and shown on the Itinerary/Receipt of E-Ticket for Air Transportation. It’s an innovative product sold together with the e-ticket.

2. How can I take out the insurance?

You can log onto Air China’s PhoenixMiles Kilometers Redemption Platform and take out the insurance while purchasing your ticket.

3. Are there any limitations on the age of the insured?

The insurance is not applicable to infants.

4. What are the types of insurance payout?

There are two types:

(1) Death insurance payout: If you (the insured) did not designate the beneficiary of the death insurance payout, the death insurance payout will go to your (the insured’s) legal heir in accordance with the laws and regulations of China;

(2) Other insurance payouts: The payouts for accident injuries and disabilities insurance and medical insurance will go to you (the insured);

In special situations where you are unable to collect the insurance payout, subject your (the insured’s) valid authorization, another individual can collect the insurance payout on your behalf.

5. Can I surrender the insurance after taking it out?

Before the contract of insurance becomes effective, you can surrender the insurance when getting a refund on your ticket. After the contract of insurance becomes effective, you are not allowed surrender the insurance.

6. How can I surrender the insurance?

Before the contract of the insurance becomes effective, the insurance and ticket must be handled together. Surrendering the insurance independently of the ticket is not allowed for the time being. If you complete the ticket refund and insurance surrender, the premium already paid will be returned to your bank account previously used to pay the premium.

7. If your ticket gets endorsed, what will happen to the insurance already taken out?

Your insurance is closely associated with your electronic ticket. If you have your ticket endorsed through Air China Kilometers Redemption Platform, the information on the insured flight will also change with the ticket endorsement. If you have your ticket endorsed through a channel other than Air China Kilometers Redemption Platform, the insurance ceases to be effective.

8. How can claims for damages related to accident injury be made?

(1) Claims for accidental death insurance payout

If the insured dies due to an accident, the beneficiary should, as an applicant, fill in the accidental death insurance payout application form and make claims for damages against BOC-Samsung Life, supporting the application form and claims with the following proofs and documents:

Valid ID of the beneficiary;

The death certificate of the insured issued by the medical institutions accredited by China’s health authorities, public security authorities or other relevant recognized organizations;

The Statement of Death issued by the People’s Court (if the insured is declared to be dead);

- The proof of the accident issued by the carrier;

- Other proofs and documents that can confirm the time, date, nature and causes of the accident;

The documents that establish the legitimate rights of inheritance if the insurance payout is treated as the inheritance of the insured.

(2) Claims for accidental disabilities insurance payout

If the insured becomes physically disabled due to an accident, the beneficiary should, as an applicant, fill in the accidental disabilities insurance payout application form and make claims for damages against BOC-Samsung Life, supporting the application form and claims with the following proofs and documents:

Valid ID of the beneficiary;

The certificate of the severity of the insured’s disability issued by a disabilities appraisal organization legally accredited or recognized/designated by the state.

The proof of the accident issued by the carrier;

Other proofs and documents that can confirm the time, date, nature and causes of the accident.

The insurer can perform physical checkup of the insured if it deems it necessary to do so, and the insurer will bear the expenses thus incurred.

9. Special Tips on Making Claims against Air Passenger Accidental Damages

(1) After receiving the application for insurance payout and the proofs and documents agreed upon in the contract of insurance, the insurer will examine the case as well as the proofs and documents in a timely manner. If the case turns out to be complicated, the insurer will come up with conclusions in 30 days.

(2) If the damages are covered by the insurance, the insurer will fulfill its obligations to pay the insurance money within 10 days after reaching an agreement with the beneficiary on the insurance payout.

(3) If the damages are not covered by the insurance, the insurer will, within 3 days after examining the case as well as the proofs and documents and drawing conclusions, issue to the beneficiary a notice which states that the claims are rejected and specifies the reasons for such rejection.

(4) If the damages are covered by the insurance but the insurer cannot determine the amount of insurance payout within 60 days after receiving the relevant proofs and documents, the insurer will first pay the amount that can be determined based on the proofs and documents. After the ultimate amount is determined, the balance will be paid.

III. Insurance Terms (Click to open the PDF file)

A special note:The final interpretation of this insurance product is based on the insurance terms contained in the contract of insurance.

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