目前我国航空延误险存在的问题及其优化建议  

作　　者：王丹丹[1] 

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233030

出　　处：《保险职业学院学报》2016年第6期54-57,共4页Journal of Insurance Professional College

摘　　要：航空延误险是指保险双方根据航延险的保险合同规定,投保人向保险人支付保险费,当发生保险合同所描述的航班延误情况时,保险人依据保险合同支付赔偿金额的保险行为。此文以我国航延险的现状为切入点,对目前我国航延险的理赔程序繁琐、缺乏第三方认证、立法空白等问题进行了深入分析,并提出简化理赔程序、设立第三方认证、加强法制建设等优化建议,以缓解航班延误带来的一系列问题,提高航延险的市场份额,更好地为广大被保险人服务。Flight delay insurance refers to an insurance transaction whereby an insurance applicant, as contracted, pays insurance premiums to the insurer, and the insurer bears an obligation to pay the insurance benefits when the flight is delayed. This paper, starting from the status of flight delay insurance as the starting point of the current flight delay insurance claims procedures cumbersome, analyzed lack of third party authority ,legislative gaps and other issues in--depth analysis are. Some suggestions such as simplifying the claims process, the establishing a third party authority, strengthening the legal system and other optimization tips are proposed to ease flight delays caused by a series of problems, so as to improve flight delay insurance market share and serve the insured in better way.

关 键 词：航空延误险 航空公司 保险公司 

分 类 号：F840.63[经济管理—保险]