论坛首发，关于马航事件想到的信用卡自带航空保险。AMEX太恶心。# Money - 海外理财
w*0
1 楼
首先我要说下，大家一看到帖子不需要在道德的最高点，对我进行不满和指责。
楼主花了大量时间来查询几个公司关于航空保险赔偿的细则。本着的是希望让大家出行
有一个这样的意识，没人希望会出事，但是出了事，知道自己有哪些权益不是也很重要
吗？
如果你觉得我写的东西让你恶心，激起了你内心愤怒，对世俗的愤懑。那真不好意思了
。收起你的怜悯，关上你的电脑，出门右转不送。
国内的标准是7W一人，20元再加20W人民币。
DISCOVER 是$50w,持卡人和家庭。
visa signature , $25W minimum , 也是持卡人和家庭。
master， 高达100W，同样是持卡人和家庭。
AMEX，也是100W，但是只对美国人。
Chase
他家的卡（蓝宝石，UA），自身不含人身保险的，倒是对于行李丢失(最高$3000)，延
迟（按天计算），有一些保障。不过也不多。
不过VISA SIGNATURE还是有人身保险这一块的，具体原文见下面，就是说，最低是有
25W美元，适用范围是所有持卡人以及家人。还有一点需要注意的就是，不是说只有买
了机票，坐飞机出了事才赔，你从家里出门那一刻开始，路上出了事也是可以享受赔偿
的。
PS：Visa signature 是5000额度才有，大家买机票应该也是用蓝宝石用的多吧，如果
是priceline那张，最好也申请把额度提高到够这个级别再用吧。
The Visa Travel Accident Insurance benefitprovides Visa-covered cardholders
and their eligible family members withautomatic Common Carrier Accidental
Death and Dismemberment coverage, everytime they use their covered Visa
card to purchase travel tickets. If ticketsare purchased prior to leaving
for the
terminal, cardholders will also be coveredwhile traveling to and from the
terminal
by taxi, bus, train, airport limousine, orother common carrier (excluding
air).
Visa Signature cardholders receive aminimum of $250,000 in coverage.
master和visa signature一样的，都提供了持卡人和家属的人身保险。高达100万美金
，不过也是YMMV啦。当然也和visa 一样，关于行李丢失和延迟都还有上限不高的赔偿。
PLUS， 我刚搜了下AA单买的航空保险，也是只对美国人有赔偿，我觉得，可能UA,
DELTA都应该差不多。不过时间有限，也有待证明。
The full benefit of $1,000,000 is payable for accidental loss of life, two
or more members, sight of both eyes, speech and hearing, or any combination
thereof.
>One-half of the benefit amount is payable for accidental loss of: one
member, sight of one eye,
speech, or hearing.
>One-quarter of the benefit amount is payable for the accidental loss of the
thumb and index
finger of the same hand.
>The Baggage Delay amount is limited to $100 per day, per cardholder up to a
maximum of
three (3) days for a covered trip and at a destination other than the
cardholder’s location of
permanent residence
对于AMEX，只要是带了AMEX标识的都适用。
Table of Losses Loss of life $100,000
Dismemberment
Loss of both hands or both feet $100,000
Loss of one hand and one foot $100,000
Loss of entire sight of both eyes $100,000
Loss of entire sight of one
eye and one hand or one foot $100,000
Loss of one hand or one foot $50,000
Loss of the entire sight of one eye $50,000
坚强的翅膀保护的只能是美国人，所以大家还是洗洗睡吧。
Covered Person means the Basic Cardmember, each
Additional Cardmember, and each of these
Cardmember’s spouses or Domestic Partners and
dependent children under 23 years of age. All
Covered Persons must have a Permanent Residence
within the 50 United States of America, or the
District of Columbia. All other persons are not
Covered Persons under the Policy.
ALL IN ALL， 大家从此出行不管是租车，坐飞机，火车（坐船不行），都还是尽量避
免使用AMEX来买票吧。尽管他们羊毛不错，但是只对美国人有人身保险，不太可取。在
此，楼主忍不住要喷一下AMEX，你那么牛，就不要让外国人来办卡咯。
楼主花了大量时间来查询几个公司关于航空保险赔偿的细则。本着的是希望让大家出行
有一个这样的意识，没人希望会出事，但是出了事，知道自己有哪些权益不是也很重要
吗？
如果你觉得我写的东西让你恶心，激起了你内心愤怒，对世俗的愤懑。那真不好意思了
。收起你的怜悯，关上你的电脑，出门右转不送。
国内的标准是7W一人，20元再加20W人民币。
DISCOVER 是$50w,持卡人和家庭。
visa signature , $25W minimum , 也是持卡人和家庭。
master， 高达100W，同样是持卡人和家庭。
AMEX，也是100W，但是只对美国人。
Chase
他家的卡（蓝宝石，UA），自身不含人身保险的，倒是对于行李丢失(最高$3000)，延
迟（按天计算），有一些保障。不过也不多。
不过VISA SIGNATURE还是有人身保险这一块的，具体原文见下面，就是说，最低是有
25W美元，适用范围是所有持卡人以及家人。还有一点需要注意的就是，不是说只有买
了机票，坐飞机出了事才赔，你从家里出门那一刻开始，路上出了事也是可以享受赔偿
的。
PS：Visa signature 是5000额度才有，大家买机票应该也是用蓝宝石用的多吧，如果
是priceline那张，最好也申请把额度提高到够这个级别再用吧。
The Visa Travel Accident Insurance benefitprovides Visa-covered cardholders
and their eligible family members withautomatic Common Carrier Accidental
Death and Dismemberment coverage, everytime they use their covered Visa
card to purchase travel tickets. If ticketsare purchased prior to leaving
for the
terminal, cardholders will also be coveredwhile traveling to and from the
terminal
by taxi, bus, train, airport limousine, orother common carrier (excluding
air).
Visa Signature cardholders receive aminimum of $250,000 in coverage.
master和visa signature一样的，都提供了持卡人和家属的人身保险。高达100万美金
，不过也是YMMV啦。当然也和visa 一样，关于行李丢失和延迟都还有上限不高的赔偿。
PLUS， 我刚搜了下AA单买的航空保险，也是只对美国人有赔偿，我觉得，可能UA,
DELTA都应该差不多。不过时间有限，也有待证明。
The full benefit of $1,000,000 is payable for accidental loss of life, two
or more members, sight of both eyes, speech and hearing, or any combination
thereof.
>One-half of the benefit amount is payable for accidental loss of: one
member, sight of one eye,
speech, or hearing.
>One-quarter of the benefit amount is payable for the accidental loss of the
thumb and index
finger of the same hand.
>The Baggage Delay amount is limited to $100 per day, per cardholder up to a
maximum of
three (3) days for a covered trip and at a destination other than the
cardholder’s location of
permanent residence
对于AMEX，只要是带了AMEX标识的都适用。
Table of Losses Loss of life $100,000
Dismemberment
Loss of both hands or both feet $100,000
Loss of one hand and one foot $100,000
Loss of entire sight of both eyes $100,000
Loss of entire sight of one
eye and one hand or one foot $100,000
Loss of one hand or one foot $50,000
Loss of the entire sight of one eye $50,000
坚强的翅膀保护的只能是美国人，所以大家还是洗洗睡吧。
Covered Person means the Basic Cardmember, each
Additional Cardmember, and each of these
Cardmember’s spouses or Domestic Partners and
dependent children under 23 years of age. All
Covered Persons must have a Permanent Residence
within the 50 United States of America, or the
District of Columbia. All other persons are not
Covered Persons under the Policy.
ALL IN ALL， 大家从此出行不管是租车，坐飞机，火车（坐船不行），都还是尽量避
免使用AMEX来买票吧。尽管他们羊毛不错，但是只对美国人有人身保险，不太可取。在
此，楼主忍不住要喷一下AMEX，你那么牛，就不要让外国人来办卡咯。
