How is the cancellation penalty generally calculated, and what percentage in Luoyang?

[Direct conclusion] 【Penalty = 'incurred non-refundable costs + tiered-ratio loss' in two parts: paid air/insurance/prepaid hotel deducted at actual loss, remaining tour fee by days-before tier (see change rules). Key points to keep in mind: 1. Both stated at signing.】 Penalty composition: Example: tour ¥5000, cancel 3 days before; issued ticket loss ¥800, insurance ¥200 non-refund, balance ¥4000 at 30% = ¥1200; total deducted ¥2200, refund ¥2800. 2. Four avoidance points: ◆ Ask the 'actual loss' breakdown: don't accept vague 'costs incurred'. 3. ◆ Tier ratio in contract: oral 'we'll see' is void. 4. ◆ Early cancel less loss: ratio jumps near departure. Note: The earlier you raise a change, the more options you have. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.