关于手机保护(Cell Phone Protection)

现在不少信用卡都提供免费的手机保护(Cell Phone Protection),这其实是信用卡公司给你赠送的免费保险。信用卡公司一般和第三方的保险公司合作,你如果成为信用卡的持卡用户,并且满足条件,手机就自动获取了一份保险。如果你的手机损坏,产生了维修的费用,是可以通过上传相关的单据和证据,去获取报销的。

不过,不同的信用卡的赔偿条款有所区别,要求也不太一样。同一个银行发行的不同卡的赔偿的额度也有可能不同。下面会给大家就各种主流的卡的手机保险福利进行介绍。

几个关键词

在介绍信用卡之前,还是首先介绍手机保险中常见的术语,这样大家看起条款来会很容易理解。这里我们借用 AMEX Platinum 关于手机保险的 Guide to Benefit,来介绍下常见的术语。其他公司的手机保险也大同小异。注意,以下条款均为 AMEX 白金卡手机保险的相关条款,仅做讲解和参考使用

各个卡差别最大的主要是保险的范围,关键词如下

  • The maximum liability is $ 800, per claim, per Eligible Card Account.:每单最高赔偿金额为 $800。
  • Each claim is subject to a $ 50 deductible. :每次需要自己支付 $50 及以内的费用,保险公司付剩下的。
  • Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.:每张卡每 12 个月最多能赔偿两次。

除此之外,还需要注意的就是自己的手机和卡是否符合保险范围

  • 持卡人(Card Member):需要是这张卡的持有人,且是美国公民或者居民。the holder of an Eligible Card Account in good standing who is a U.S. citizen or a legal resident of the U.S. or a U.S. territory, including the District of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands, and the Northern Mariana Islands.
  • 符合条件的账户(Eligible Card Account):需要卡还没有关掉,并且是美国发行的卡。means all open and valid Eligible Accounts in good standing with a Card Member of a U.S. Issued American Express account as defined: Centurion, Platinum, Delta Reserve, and Delta Platinum for which the Participating Organization has applied for enrollment.
  • 符合要求的手机(Eligible Cellular Wireless Telephones):卡主手机账户中自己或者添加的线都可以。手机损坏的时候,需要用这张卡正在付当月账单。means the cellular telephones associated with the primary line and additional or supplemental lines on the Eligible Person’s monthly billing statement from a cellular provider for the billing cycle preceding the month in which the theft or damage occurred.
  • 保险条款(Group Policy ):AMEX 的手机保险公司是 New Hampshire Insurance Company. means the Cellular Protection Insurance Policy that New Hampshire Insurance Company issued to American Express Travel Related Services Company, Inc. and its Related Grantor Trust, which is the subject of this Guide to Benefits.

不包含在保险范围中的内容(What is NOT covered)

  • 第三方的附件损坏 • Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the manufacturer;
  • 用作商业行为或者用作出售的手机(也就是只有自用的手机才行)Eligible Cellular Wireless Telephones purchased for resale or for professional or commercial use. Exclusion applies for Consumer card accounts only;
  • 神秘丢失的,估计就是得证明是有人偷的之类的才行,比如可能需要 police report. Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance;
  • 合约机好像不行(估计是所有权不在持卡人的原因)。• Eligible Cellular Wireless Telephones which have been rented, leased, borrowed or Cellular Wireless Telephones that are received as part of a pre-paid plan;
  • 小刮痕不行。• Cosmetic damage (i.e. superficial abrasions or scuffs) to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls;
  • 故意的损坏、天灾、战争、本身的缺陷不行。• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin;
  • 运输中损坏的不算。• Damage or theft resulting from mis-delivery or voluntary parting from the Eligible Cellular Wireless Telephone;
  • 第三方非授权店修的不行。• Replacement Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider;
  • 不含税费• Taxes, delivery or transportation charges or any fees associated with the service provided; or
  • 如果本身就有保修,这部分不算。• Losses covered under a warranty issued by a manufacturer, distributor or seller

最后,一般信用卡保险提供的都是 secondary coverage,也就是如果你有别的 primary 保险(比如从 apple care 或者其他财产保险),应该先扣别的,最后才轮到这个手机保险。

  • Policy provides secondary coverage only.

当然,如果不清楚,你可以对照一下自己的卡的福利条款,看看是否符合手机保险的要求。或者打电话也可以。

常见的具有手机保险的信用卡

AMEX

  • 额度:每次 $800, 12 个月最多 2 次,自付 $50

在下面这个链接中,你可以看到所有 AMEX 有手机保险的信用卡,以及每张卡不同的 term。主要参加的卡就是 AMEX Platinum、Delta Platinum、Reserve、黑卡

看了下,这几张卡都是每单最高赔 $800,每单需要自己付 $50,每 12 个月只有最多 2 次 cliam。

World Mastercard/World Elite Mastercard(绝大部分都有)

现在有一部分卡是 Mastercard,走他的支付通道。Mastercard 分为普通版、world mastercard、world elite mastercard 三种,mastercard 公司提供了不同的额外福利,其中就包括了手机保险。看卡面或者寄过来的 approve 信,可以知道自己是哪个版本的。记得之前 citi 卡好像是 $5000 额度以上就 world elite 了,以下是 world master。

常见的卡有 World Mastercard 有

常见的 world elite mastercard 有

world mastercard 提供的是每次最高 $600、每年最多 2 次、每年总计最多 $1000 的赔偿

world elite mastercard 更好一点,提供的是每次最高 $800、每年最多 2 次、每年总计最多 $1000 的赔偿

如果你符合条件的话,根据官网信息,是需要在这个 mastercard benefit 的网站去提交申请

Wells Fargo

他家给旗下所有卡都提供了手机保险,自付只有 $25,每 12 个月最多 2 次,每次最多 $600

Deserve EDU

不需要 SSN 就能申请的学生卡也有手机保险福利!提供的是每次最高 $600、每年最多 2 次、每年总计最多 $1000 的赔偿

Chase 信用卡

chase 旗下有一部分是 Master Card,都按照上面 world master 的标准(或者更高)提供手机保险,旗下的 VISA 卡 Ink Business Preferred 提供保险

US Bank

旗下好像就只有新卡 US Bank Altitude Connect 提供

  • US Bank Connect:每次上限 $600,每年最多 2 次,自付 $25。

如何获取报销

基本流程如下

  • 选一张有手机保险福利的卡支付手机月账单(或者整条线的账单)
  • 如果坏了,联系客服,确定好福利细节
  • 在指定的商家修理手机,保留好所有票据
  • 在指定的地方,上传所需的资料
  • 等待报销

本站也有一篇非常详尽的 Chase IHG 卡获取手机保护保险的案例,大家可以仔细读一下