2014年6月初,周某通过某网站预定了一款旅游产品,并支付旅行费用23104元,其中包含了境外旅行附加旅程延误保险,保险费用93元。保障内容为旅行延误(每4小时延误赔偿300元),保险金额为900元。保险条款规定,在本附加保险期间内,倘若被保险人在境外旅行期间因恶劣天气、自然灾害、机械故障等因素,导致被保险人原计划乘搭的公共交通工具延误,且延误连续达到或超过保险单约定的时间,保险公司按约定予以赔偿。2014年6月21日,周某原计划搭乘的航班,因 In early June 2014, Zhou booked a travel product through a website and paid travel expenses of RMB 23,104, which included an additional travel delay insurance for overseas travel and an insurance fee of RMB 93. Security coverage for travel delays (compensation for 300 yuan every 4 hours delay), the insurance amount of 900 yuan. Insurance terms, during the period of this supplementary insurance, if the insured travel abroad due to inclement weather, natural disasters, mechanical failure and other factors, resulting in the insured originally intended to take public transport delays, and the delay or More than the time agreed insurance policy, the insurance company agreed to be compensated. June 21, 2014, Zhou originally planned flight, due