Is CITIC delay insurance based on departure time or landing time?

First, you have to make sure whether you bought a split ticket or a full ticket. Split air ticket means that two flights are purchased separately, and connecting air ticket means that you buy the destination directly from the starting point. If it is a separate air ticket, each flight is a separate voyage. If payment is required, the two flights will be calculated separately under the condition that both flights are insured against delay. If it's a full air ticket, you only need a delay insurance.

Secondly, you should carefully check your delay insurance clauses, because some delay insurance is calculated according to the departure time, and some delay insurance is calculated according to the landing time. If calculated by departure time, there is no delay at the place of origin, and the delay at the stopover place cannot be included in the delay insurance; If you calculate by landing time, it depends on how long you finally arrive at your destination later than expected. If it is overtime, the payment conditions can be met. However, some delay risks are detailed, such as weather and air traffic control. These are not included (such as some delay risks given by air tickets).

At present, the more convenient delay insurance is that China Merchants Bank will accompany you when it is ready. In terms of landing time, if the delay exceeds 2 hours or more, 200 yuan will be compensated. Taobao's delay insurance is to delay training for 3 hours. Generally speaking, the delay insurance of airlines is paid for more than 4 hours, and there are many terms, which are generally difficult to achieve.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.