What do I need to pay attention to when I am involved in accident insurance? What to pay attention t

When applying for accident insurance, it is necessary to pay attention to the payment standard and non-payment to avoid subsequent claims disputes. Accident insurance strategy for different age groups: "It's right to buy accident insurance for different age groups!"

Accident insurance is a life insurance that pays out benefits based on death or disability caused by accidental injury.

Accident insurance generally covers 4 items: accidental death, accidental dismemberment, accidental medical treatment, and accidental hospitalization allowance.

Accidental Death: The sum insured is generally paid within 180 days of death.

Accidental Disability: 10%-100% of the compensation is made according to the level of disability.

Accidental medical treatment: the nature of reimbursement, additional accidental medical treatment with 0 deductible, 100% compensation, and unlimited medication within social insurance is preferred.

Accidental Hospitalization Benefit: The general accident hospitalization benefit is paid up to 180 days, and there is a daily cap.

1. Buy consumer-based insurance, don't buy return-to-principal insurance.

2. When applying for accident insurance, you must pay attention to the occupational category, some occupational categories cannot be insured, otherwise even if you buy the insurance company, you will not pay a claim.

Other Notes:

Let's see if the coverage is complete.

Whether the deductible of accident medical insurance is low enough, whether the reimbursement is limited to the scope of medical insurance reimbursement, and whether it can cover expenses that are not covered by medical insurance.

Can the premium** be cheaper with the same protection?

The occupational category requirements are broad.

General accident insurance, sudden death, heat stroke, food poisoning, altitude sickness, medical malpractice, pregnancy accidents, and death due to illness and fall are not covered.

To sum up, when we buy personal accident insurance, we must understand the terms of the insurance and understand what is covered and what is not.

Before buying accident insurance, you must pay attention to the following points: 1Accident insurance can not cover all "accidents", and the "accidents" that can be covered by accident insurance must be foreign, sudden, unintentional, and non-diseased, such as alcoholism, heat stroke, altitude sickness, sudden death, disability caused by food poisoning, and personal intentional external insurance will not be compensated; 2.

Accident insurance is cost-effective to buy once a year, don't buy long-term accident insurance.

When purchasing accident insurance, it is necessary to pay attention to the situation that can meet the four conditions of "external, sudden, unintentional, and non-disease" at the same time, and it can become an accident. Remember, all four of the above conditions must be met at the same time, and all of them are indispensable.

Sum insured. The amount of insurance, in layman's terms, is how much money can be lost in case of insurance, and the higher the amount of insurance, the more expensive the price.

The amount of insurance determines the size of an insurance's ability to resist risks. The higher the sum insured, the greater the ability to resist risks, and the more expensive the price will be.

2.Coverage.

Accident insurance generally covers accidental death, accidental dismemberment and accidental medical treatment, and the wider the coverage, the more expensive it is.

3.Duration of Coverage.

The term of protection is how long the policy can be insured, such as a one-year accident insurance, its protection period is one year.

The longer the accident insurance is covered, the more expensive it becomes.

There are three types of accident insurance in the market according to the coverage period:

Very short-term accident insurance, one-year accident insurance and long-term accident insurance, very short-term accident insurance and one-year accident insurance are relatively cheap because the protection time is not particularly long.

Are there any precautions when purchasing accident insurance?

When buying accident insurance, pay attention to these things:

1.Be clear about insurance responsibilities.

Only death, disability, and medical treatment due to accidental causes are covered by accident insurance.

Accident insurance covers sudden, external, unintentional and non-disease accidents, such as drowning, traffic accidents, etc., if it is intentional and caused by illness, it is not covered by accident insurance.

2.Look at the duration of coverage.

Common accident insurance in the market is short-term, such as one-year accident insurance, which pays a one-year premium and covers one year.

3.Be aware of the exclusions.

Exclusion is also called exemption clause, if the exclusion agreement occurs, even if the insurance meets the conditions for claims, it is still possible to not get compensation from the insurance company, so you must read the content of the exclusion carefully before buying accident insurance, so that you know it well.

Exclusions are some situations stipulated by the insurance company that will not be claimed even if the insurance is not claimed, such as the insured due to illegal and criminal accidents, the insurance company will not pay the claim.

The exemption clause is a very important clause in the insurance contract, and the father has written an article detailing the exemption clause, you can take a look at "What does the exemption clause mean?" How to Understand Insurance Exclusions

In order to further improve the personal accident safety of your child who is studying in a foreign country, it is necessary to purchase personal accident insurance for him as soon as possible. What should I pay attention to when buying personal accident insurance for my child who is going to college in another place?

1. Pay attention to the scope of protection and the amount insured. The coverage of each product is different, and the amount of each coverage is also different.

2. Pay attention to choosing according to your actual needs.

3. It is more cost-effective to choose "annual plan" for the insurance period, and the longest period of 12 months is actually the most cost-effective, and the average daily premium is the cheapest. To buy personal accident insurance for children who are going to college in other places, you should not only pay attention to the common sense of insurance prompted above, but also choose the right insurance platform, which provides accident insurance products from multiple insurance companies, hoping to provide you with more choices.

Lucky Life Annual Comprehensive Protection Plan.

Auspicious Year Comprehensive Accident Insurance.

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

There are three things to pay attention to when buying personal accident insurance. The details are as follows:

1. You can't just look cheap.

Personal accident insurance can be compensated in multiple ways, and you can consider purchasing multiple accident insurances. When buying personal accident insurance, many people think that the lower the personal accident insurance, the better, but in fact this view is not advisable. Because accident insurance is only responsible for accidents that are covered by the policy, not all accidents.

Therefore, there are many insurance companies that will reduce the coverage of accident insurance products by reducing the scope of coverage, which actually does not play a big role. Therefore, it is recommended that when you buy personal accident insurance, you should not just try to be cheap.

2. It is best to match it with accident medical insurance.

The biggest misconception most people have about accident insurance is that they confuse accident insurance with accidental medical insurance, believing that if an accident occurs, the insurance company will take all responsibilities, including medical care. In fact, the claims liability of the two is separated. Accident insurance is a lump sum payment for accidental disability, death, whereabouts unknown, etc., while accidental medical insurance is usually used as an add-on to pay for medical expenses for illnesses caused by accidents.

Therefore, it is best to match accident insurance with accident medical insurance to make everyone's protection more comprehensive.

3. Buying personal accident insurance can be "tailor-made".

It is best to purchase personal accident insurance according to your actual situation. Depending on the time, place and means of transportation, accident insurance generally includes accident insurance, travel accident insurance, traffic accident insurance and aviation insurance. When you buy, you can tailor it according to your actual needs and choose a personal accident insurance that is most suitable for you.

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

It is necessary to pay attention to the circumstances under which the accident insurance can be reimbursed, what is the share of reimbursement, under what circumstances can the maximum refund be made, and who inherits the refund after the accident of the first responsible person, etc.

When buying accident insurance, you must read the terms of the contract, the duration of the insurance, the beneficiary, and the amount on the insurance, so that you can sign the contract with confidence.

It is necessary to purchase through formal channels to avoid unsolvable problems, and formal channels are guaranteed; Pay attention to the insurance time, the time of accident insurance is generally shorter; It depends on whether there is a restriction on the occupation.

Accident insurance that does not protect these points is not conscience accident insurance, pay attention to the following four points, 1. Accidental disability. Disability is graded from one to ten, with level 1 being the most severe being total disability and grade 10 being the lightest. If you break a finger, you can be assessed as a grade 10, 9, and 8 disability according to the healing results, so it is important to protect against accidental disability.

2. Accidental medical expenses. Some accident insurance does not cover accidental medical expenses, which is really difficult to accept.

3. Hospitalization allowance. Some accidents do not cover outpatient and emergency treatments, but only outpatient injections and medicines, which cannot be reimbursed. Therefore, it is very important for accident insurance to protect outpatient and emergency hospitalization, and how much hospitalization allowance is given for each day of hospitalization must be seen.

4. Sudden death. Sudden death within 90 or 180 days of a single accident is not in itself an accidental death, and there are now many accident insurance policies that can cover sudden death.

Test your anti-risk index, experts will interpret it for you for free!

What should I pay attention to when buying personal accident insurance?

1.Pay attention to the cases where you will not be compensated

When we apply for personal accident insurance, we should pay attention to the circumstances under which it will not be compensated, so as not to cause claims disputes.

For example, it is often said that sudden death is not compensated.

Sudden death is death caused by illness and does not meet the definition of accident and is not covered by personal accident insurance.

2.Occupational restrictions

Personal accident insurance is subject to occupational restrictions, generally only covering 1-4 categories, dangerous occupations such as firefighters, criminal police and other high-risk occupations can not be bought under normal circumstances.

3.Priority is given to one-year, consumption-based accident insurance, and try not to choose long-term, return-based accident insurance

Generally, the premium of accident insurance does not change with age, and it is appropriate to buy personal accident insurance every year.

For return-type accident insurance, protection and financial management should be separated, and the amount of insurance for return-type accident insurance is low and the premium is high, so the protection that should be there may not be.

4.Pay attention to whether the disability benefit is based on the level or only the total disability

A good accident insurance should include total disability and disability payouts.

If you are disabled due to an accident, not only can you not work, you have no financial **, but you also have to make your family pay a lot of money to do ****.

If the accident insurance pays according to the disability level and the total disability benefit, whether we suffer an accident resulting in total disability or disability, we can get a good protection.

5.Beneficiary

For the beneficiary of the accident insurance, it is recommended that the father should fill in more than 2 people.

If only one beneficiary is filled, if the insured and the beneficiary die at the same time, the insurance money can only be inherited by the legal heirs, which is more likely to cause disputes.

Dad concluded that when we buy personal accident insurance, we must understand the terms of the insurance, understand which conditions are covered and which are not, so as to avoid the situation of refusal to pay.