航班延误险赔付机制解析
航班延误险主要依据气象数据或航司官方记录判定责任。常见触发条件为计划起飞时间与实际延误时长的差额，不同产品对起赔阈值设定存在差异，需仔细核对条款。
- 延误时长通常以分钟为单位累计计算
- 部分产品要求达到特定连续延误标准
- 取消航班可能适用不同于延误的赔付规则
理赔审核注重证据链完整性，旅客需保留登机牌及航司出具的延误证明。随着数字化进程加速，部分渠道已实现自动触发赔付，但具体执行仍以保险合同条款为准。
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