What does Ping An Xinsheng Ping An Additional Accident Medical Insurance mean

Xinsheng's main insurance is the value, and the additional accidental injury medical treatment is additional insurance, and the medical expenses of ordinary accidental injuries can be reimbursed. This means buying a main insurance and a rider.

Summary. Dear, now answer the <> for you

Ping An Property & Casualty Accident Insurance provides insurance compensation for the insured's death, disability or hospitalization due to accidental injury. It mainly includes comprehensive accident insurance, traffic accident insurance and overseas study or work insurance. Ping An Insurance's one-year comprehensive accident insurance, short-term comprehensive accident insurance, group comprehensive accident insurance and other regular comprehensive accident insurance on the Internet of Ping An Insurance cover elevator accidents. Take Ping An's one-year comprehensive accident insurance as an example, people aged 1-65 can buy it, covering a wide range of people, and the online discount is also good.

What is Ping An Property & Casualty Accident Insurance?

Dear, now answer the <> for you

Ping An Property & Casualty Accident Insurance provides insurance compensation for the death, damage, disability or hospitalization of the insured due to accidental injury. It mainly includes comprehensive accident insurance, traffic accident insurance and overseas study or work insurance. Ping An Insurance's one-year comprehensive accident insurance, short-term comprehensive accident insurance, group comprehensive accident insurance and other regular comprehensive accident insurance on the Internet of Ping An Insurance cover elevator accidents. Take Ping An's one-year comprehensive accident insurance as an example, people aged 1-65 can buy it in Tuansui, covering a wide range of people, and the online discount is also good.

Qinqin Ping An One-year Comprehensive Accident Insurance: Comprehensive coverage of accidents, medical judgments, allowances, medical protection up to 100,000 yuan, 3 minutes online insurance, worry-free throughout the year, coverage details. 1.

In the event of death due to accidental injury, disability and burns, we will pay the insurance benefits for accidental death, disability and burns; 2.For medical expenses incurred due to accidental injuries, we will pay medical insurance benefits for the part of the necessary and reasonable medical expenses that can be reimbursed in accordance with the regulations of the local social medical care and insurance authorities within 180 days from the date of the accident. 3.If you are admitted to the hospital due to an accident**, we will pay you the RI amount of the hospitalization lost time allowance stated in the insurance policy, and the cumulative number of days of payment is limited to 90 days.

4.If you are admitted to the hospital due to an accident**, you will be paid up to 90 days of the hospitalization care allowance specified in the insurance policy.

In Ping An, there is an independent accident insurance that can be sold separately as the main insurance, which is different from many insurance companies that can only do additional insurance.

For example, you can buy a separate accident insurance policy.

Accident insurance can also be used as the main insurance, with additional accidental medical insurance and health life hospitalization expense insurance.

Alternatively, like other insurance companies, accident insurance can be added to long-term life insurance as a rider.

Yes, it's just a little different in the middle of the insurance company, and the normal situation of accident insurance is that it cannot be sold as a separate variety, so most of the cases are additional insurance. There is one exception, and that is that accident insurance can be sold separately in group insurance.

Absolutely... And 14 years old is not recommended Xinli, you can consider Jixing Baobao, because the payment time of 10 years is relatively short, and the insurance with high protection after adulthood, the general protection of children's insurance is not very high.

Yes, as long as the cumulative risk sum insured does not exceed 50,000.

Accident insurance can be purchased either as an add-on or as a separate insurance.

Accident insurance is generally for one year, and it is more cost-effective to buy an insurance card.

The insured suffers an accidental injury and buys the accidental injury medical treatment in Ping An.

Claim Amount: Sum Insured 100 RMB.

For example, when the medical expenses for accidental injury are 20,000 yuan, and the accidental injury insurance amount of the insurance contract is 10,000 yuan, the insurance company's claim amount is 9,900 yuan. If the sum insured is 20,000 yuan, the claim amount is 19,900 yuan.

Hello, prepare the information to hit ** to the insurance company will have business to serve you.

Outpatient, inpatient full report. Call 95511 first, and call ** to your salesman, you can entrust the salesman to handle the claim. When you go to the hospital, you must explain that you have insurance and ask the hospital to issue a relevant certificate.

Because accident medical insurance is reimbursed. If you have purchased accidental medical treatment, you should also have accident insurance, and if you become disabled due to an accident, you will be paid insurance benefits according to the level of disability.

You or the beneficiary shall notify us within 10 days after becoming aware of the occurrence of the insured event, and we will make an assessment within 5 working days after receiving the application for insurance payment and the proof and materials agreed in this contract; If the situation is complicated, an approval is to be made within 30 days. For insurance liability, we will fulfill the obligation to pay insurance money within 10 days after reaching an agreement with the beneficiary to pay the insurance money. For those that do not fall under the insurance liability, we will issue a notice of refusal to pay the insurance benefits to the beneficiary within 3 days from the date of verification, and explain the reasons.

If we cannot determine the amount of insurance payment within 60 days from the date of receipt of the application for insurance payment and relevant certificates and materials, we shall pay the amount that can be determined according to the existing certificates and materials; Once we have finalized the amount of the insurance benefit to be paid, we will pay the difference.

1. After accidental injury or hospitalization, you should call the customer service of the insurance company in time to understand the documents that need to be prepared, so that the insurance company can quickly settle the claim, and you need to report to the insurance company within 3 days.

2. The procedures required for the insured to handle the claim due to accidental injury (hospitalization medical insurance shall be hospitalized in a hospital of the second level (including the second level) or above recognized by the insurance company):

1) Medical diagnosis certificate;

2) Certificate of accidental injury issued by the relevant department;

3) Original receipts and prescriptions for medical expenses;

4) A copy of your ID card or household registration certificate.

3. The insurance company will make a notice of closure within 7 days when all the documents are complete, and the insured or beneficiary can go to the insurance company to receive compensation with his ID card and household registration certificate after receiving the notice.

The personal accident insurance of commercial insurance has an additional medical expense insurance, according to your additional medical expense insurance of 10,000 yuan, as long as it is the outpatient medical expenses or hospitalization expenses of regular hospitals (except for self-paid drugs), you can go to the insurance company to claim.

If you have social security, the invoice issued by the hospital will show the amount of social security consumption and the deductible, and you can take the invoice to the insurance company to claim the deductible.

When making a claim, you need to bring your ID card, insurance policy, medical expense invoice, medication list, doctor's certificate, admission certificate and discharge summary if you are hospitalized, and bring a bank account (card or passbook, which must be opened in your own name).

If an accident occurs to a person, there are nothing more than three situations: 1Wounded; 2.

Handicapped; 3.Death. The payouts in the terms of commercial insurance companies are not the same in all three cases, but the claims of most commercial insurance companies are the same:

1.Injury: Within the scope of the sum insured, 100 yuan will be deducted, and 100% of the part above 100 yuan will be reimbursed, including the outpatient, operational, organ transplant, hospitalization, and medical expenses caused by this (self-financed drugs stipulated by the state are deductible or partially paid, and some are 50 yuan deductible, and more than 50 yuan will be 100% compensated); 2.

Disability: Within the scope of the sum insured, according to the disability law formulated by the state, after defining the degree of disability, the compensation will be paid according to the proportion of the grade; 3.Death.

Within the scope of the sum insured, if the condition of "accidental death" is met, 100% of the sum insured will be paid.

The outpatient treatment of commercial insurance depends on whether your policy covers outpatient reimbursement.

Summary. Can be reimbursed, commercial insurance can be reimbursed twice, no conflict, as long as you meet the compensation standards of accident insurance, then you can be reimbursed twice, commercial insurance is not reimbursed restrictions.

After the injury caused by the traffic accident is reimbursed by the insurance company, the accident insurance purchased by the injured person from Ping An Insurance Company can also be reimbursed.

The trouser shed that can be reimbursed, commercial insurance can be reimbursed twice, no conflict, as long as you meet the compensation standards of Cong Chunzao accident insurance, then you can be reimbursed twice, and there is no reimbursement limit for commercial insurance.

I was in someone else's car and asked someone else to rear-end me, causing me to be injured, he was fully responsible, and the insurance company gave me full insurance, and I bought the accident insurance in Ping An Insurance Gongshi Lu Division, and she said that she could not be reimbursed twice.

You didn't buy accidental medical treatment.

It's just accident insurance.

It's accident medical insurance.

That's okay, what does the insurance company say?

She said that the insurance company reimbursed us, and we didn't have a second reimbursement.

This is nonsense, commercial insurance can be reimbursed.

She said we couldn't make money after seeing a doctor.

Did you get a full reimbursement last time?

That's not going to work.

If you don't reimburse enough, you can reimburse it twice.

I don't know what you mean.

For example, if you spend 150,000 yuan, the first one reports 100,000 yuan, and you still have an insurance policy, and you can also apply for 50,000 yuan.

This is the second reimbursement of commercial insurance.

If the first one pays 150,000 yuan, the second one cannot be reported.

Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance products and 101 mainstream critical illness insurance products in 2020 is given to friends who know the answer when they see this article35 participating insurances and 101 hot-selling critical illness insurance products are PKParticipating insurance refers to a kind of insurance that the insurance company distributes the distributable surplus to customers in the form of cash or value-added dividends according to a certain proportion, which is the characteristic of participating insurance, which can not only manage financial but also protect money.

Just listening to the word "dividend", is it going to feel good, I paid the money, not only guaranteed, but also dividends However, when you buy, you are often confused by the demo interest rate, in fact, almost no one can get the expected return.

First, the dividends of the policy are not certain and may not be obtained.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and therefore makes the dividend insurance the most complained about by everyoneParticipating insurance has such a high complaint rate?! It's all made clear.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

That's all for me"Is the annual premium for the accident insurance and accident medical insurance to be paid in Ping An Xinsheng Whole Life Insurance (Participating) the same? "I hope to adopt all the answers!

Only the contract has a legal basis, and it is impossible for the ** person to pay for you out of pocket after 20 years, right?

1. First of all, the premiums for accidental injury and accidental injury medical treatment are basically the same every year, and it should be noted that the above accidental injury insurance amount of 40,000 yuan is a bit reluctant, and it is recommended to increase it to 100,000, and the cost is only a few dozen yuan more.

2. As for saying that enjoying life is not cost-effective, it is not simply measured by premiums, just as there are no hospitalization expenses in this plan, it is still necessary to attach it to friends who do not have social security or other medical insurance, after all, the possibility of diseases and accidents in people's lives is much higher than that of major diseases.

3, Ping An Xinsheng is the most cost-effective protection insurance, for the economic conditions in general, or for high-end customers or a better choice, insurance is a lifelong protection plan, short-term return to the cost of many products, but this product is protection. Dividends can be received at any time, and if you don't receive them, you can accumulate interest in the insurance company, and if you take them out (surrender) after 20 years, they will refund the cash value + dividends.

"Domestic Popular Life Insurance Comparison Table Newly Released".

Ping An Xinsheng Master Insurance is a participating whole life insurance with an additional critical illness insurance with early payment. To tell a joke, isn't it like the two-in-one shampoo product launched in the early years, people with a little knowledge of shampoo and hair care know that shampoo is alkaline, conditioner is acidic, and rubbing the two together is nothing more than catering to the needs of the people.

In my opinion, the advantage is probably this:

1.Brand Qualification:Ping An's popularity is very high, after all, it is a senior player in the insurance industry.

There are a lot of disadvantages:

How can you only cover critical illness? Moderate to mild illness coverage is missing!

2.Shared Sum Assured:The death and critical illness insurance of this product share the sum insured, if you unfortunately suffer from a critical illness during the policy period, after paying a sum of money, there will be no sum insured in the event of death.

3.Policy dividends are not fixed:Dividends ≠ cash value, and the value of dividends is not fixed, but is calculated based on the performance of the insurance company for the year. The revenue share is uncertain, with or without, more or less.

4.High Premiums:A 30-year-old man insures 500,000 yuan with an annual premium of about 10,000 yuan, and the income is uncertain, so it is better to keep the money in the bank for interest.

"It is said on the Internet that [Ping An Xinsheng] is not good, not without reason! 》

Why are participating insurance complaints so high? Demystifying the Mystery of Dividend InsuranceHope!