Comprehensive Accident Insurance Terms, Accident Insurance Terms

Legal Analysis: Accident insurance clauses refer to the provisions on the rights, obligations and other insurance matters of the insurer and the insured stipulated in the accident insurance contractPersonal accident insurance is a kind of life insurance, referred to as accident insurance, which refers to the death insurance or disability insurance benefits paid by the insurance company if the insured suffers accidental injury and unfortunately becomes disabled or dies within the liability period during the validity period of the insurance

When purchasing insurance, you should carefully read the insurance terms of the specific type of insurance to clarify the insurance responsibilities and related agreementsThe insurance contract will be printed on the insurance clause, the insurance contract printed on the policy in advance is called the "basic clause", all "basic clauses" must comply with the relevant "Insurance Law", and the "statutory clauses" stipulated in the Insurance Law and other relevant laws must be included in the insurance contractThe terms in the insurance contract have the force of law

Accident insurance provisions.

Legal basis: Social Insurance Law of the People's Republic of China

Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 35 An employer shall pay work-related injury insurance premiums at the rate determined by the social insurance agency in accordance with the total wages of its employees.

Article 44 Employees shall participate in unemployment insurance, and the employer and the employee shall jointly pay unemployment insurance premiums in accordance with the provisions of the State.

Article 53 Employees shall participate in maternity insurance, and the employer shall pay the maternity insurance premiums in accordance with the provisions of the State, and the employees shall not pay the maternity insurance premiums.

Comprehensive accident insurance means that the insurer is liable for compensation for property losses caused by accidents that may occur as agreed in the contract. Comprehensive accident insurance refers to the insurance premium paid by the insurer to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract. It is like an invisible umbrella, a kind of compensatory protection after suffering from injuries caused by unexpected force majeure factors.

There are many types of insurance, and most people are more enthusiastic about "three insurances" and "five insurances", but for special types of work and special events, people will choose accident insurance that guesses the suddenness and force majeure factors.

Comprehensive accident insurance includes external, sudden, unintentional, non-sick accidents, namely:

1.External: refers to accident injuries other than the insured's own, such as traffic accidents, lightning strikes, etc.;

2.Emergency: refers to the injury of the insured due to a violent and sudden attack, such as a falling object hitting the insured, resulting in injury to the insured;

3.Non-original intention: refers to the injury that the insured cannot foresee or the insured is willing to accept;

4.Non-sickness: means that the insured person is not physically injured by illness.

Generally speaking, comprehensive accident insurance can cover the following areas:

1.For accidental death or disability, the insured amount is generally 100,000 to 1 million;

2.For accidental medical treatment, the sum insured is generally 10,000 to 50,000;

3.Accidental hospitalization allowance, which can generally be paid 100-150 per day, with a maximum number of days to be paid;

4.Sudden death (essentially caused by illness, but some insurance companies offer additional sudden death insurance in order to attract consumers), with an insurance amount of 50,000 to 500,000 yuan;

5.For death or disability in an aviation accident, the sum insured is generally 1 million to 2 million;

6.For the death or disability of traffic accidents such as vehicles, trains, subways, light rails, and self-driving cars, the insured amount is generally 200,000 to 1 million;

7.Ambulance expenses, the sum insured is generally 200-500;

8.The new crown pneumonia death insurance benefit is generally 50,000 to 200,000;

9.Accidental death or disability prevention insurance, the insured amount is generally 200,000 to 500,000;

10.The amount of insurance is generally 20,000 to 50,000 yuan.

The insurance coverage, insurance amount, premium, etc. vary depending on the comprehensive accident insurance, which is subject to the insurance contract.

There are many Chinese life accident insurance products, and Chinese life accident insurance mainly includes traffic accidents, comprehensive accidents and travel insurance. Chinese life insurance accident insurance includes: such as e comprehensive accident insurance plan, such as e private car accident insurance plan, such as e aviation accident insurance plan, such as e domestic travel insurance plan and China Life Shenzhou emergency rescue series products and so on.

Chinese Life Accident Insurance Introduction Early Middle School takes China Life Long-term Care Accident Xiye Injury Fixed Payment Medical Insurance as an example, this product is aimed at accidental risk accidents, only a small expenditure, you can get a high accidental hospitalization allowance payment, and the policy can be renewed up to 70 years old.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"