Does accident insurance cover sudden death? Does sudden death accident insurance cover it?

Sudden death can be caused by many diseases, strenuous exercise, certain medications, etc., most of which are sudden cardiac death. Does accident insurance cover sudden death? In general, it is difficult to find, and some accident insurance often does not cover sudden death.

Some of the products in the WiseAged Care product line cover sudden death, making up for the shortcoming of many insurance companies' denial of insurance. Features of Wise's elderly care products include:

1. The increased protection of critical illness, accident, medical treatment and hospitalization allowance is equal to one, filling the "vacuum" of the elderly insurance market.

2. The insurance period is long, and the accident benefit is renewed until the age of 80, and the critical illness benefit is renewed until the age of 75.

3. Some products in this series cover sudden death, which makes up for the shortcoming of many insurance companies' refusals.

4. Accidents and critical illnesses can be freely matched, and their free combinations can meet the individual needs of different people. Give the elderly a health care and give them an old-age insurance. Huize provides you with a professional health insurance for the elderly "Huize Elderly Care Plan" purchase platform

Reminder: In view of the blank phenomenon of the elderly in the insurance market, Huize.com has launched the "WiseElderly Care and Medical Security" series, which not only covers critical illness and accidental medical hospitalization allowance, but also has a unique design of sudden death protection, which can bring more protection to the elderly!

WiseChoice Middle-aged Care (51-55 years old) Plan 3 Benefits:

Up to 50,000 Critical Illness Cancer Benefit* Up to 100,000 Yuan Accident Injury Insurance* Sudden Death Insurance Benefit10,000 Minimum Monthly Cost: 67 YuanWiseAged Care (Including Critical Illness) Plan 1 Coverage:

You can choose up to $100,000 Critical Illness Cancer Benefit*Up to $50,000 Critical Illness Cancer Benefit*Accident allowance of $100 per day, and the minimum monthly cost of Accident Medical Insurance Benefit of $10,000 is $215.

Is sudden death an accident? Can sudden death accident insurance be covered?

Regarding sudden death, different types of insurance have different standards:1Accident Insurance:

90% of accident insurance will not pay, and a small number of accident insurance will separately state that sudden death is covered. 2.Medical Insurance:

Reasonable and necessary expenses such as inpatient department, outpatient serious illness and surgery can be reimbursed, and the rest will not be compensated. 3.Critical Illness Insurance:

If the critical illness insurance includes a liability for death, it will be paid. 4.Life Insurance:

Accident insurance does not cover liability for sudden death.

The World Health Organization's term for sudden death refers to the death of a patient who is usually in good health or appears to be healthy, but in a short period of time, unexpectedly due to a natural sudden illness. In the end, the nature of death due to illness is still defined, so if you want to get compensation, the better choice is life insurance. Therefore, sudden death is a death due to one's own disease, and it is not an accident.

Some accident insurance policies will now include a sudden death benefit clause, while pure accident insurance does not cover sudden death. There is a difference between accidents in insurance and accidents that we usually say, and accidents in insurance must meet four conditions at the same time, non-disease, sudden, unintentional, and external, these four conditions are indispensable. Sudden death is generally due to the sudden onset of one's own disease, and two conditions cannot be met, external and non-diseased.

Therefore, sudden death in insurance obviously cannot be regarded as an accident. If a car accident suddenly results in an onset of illness or death, it is considered an accident. Whether sudden death can be compensated or not depends on whether the protection content of the specific accident insurance includes sudden death protection, and some insurance companies' accident products extend the liability for sudden death.

You can take a look at Huaxia Insurance's Yellow Pants Dan Jinjia Comprehensive Accident Product Plan, which is a one-year accident insurance product that can be paid off at one time, and can be insured from 18 to 70 years old. It covers 8 major liabilities – general accidental death and dismemberment, sudden death, accidental death of passenger motor vehicle, accidental death of passenger vessel, accidental death of passenger train, accidental death and dismemberment of passenger aviation, accidental medical treatment and accident allowance.

What is eye-catching is that in addition to protecting sudden death, Huaxia Insurance's accident insurance includes coverage of accidental medical treatment and accident allowances, however, such a full-coverage insurance product, the premium is very low, it is divided into economic version, exclusive version, elite version, ** 128 yuan year, 228 yuan year, 328 yuan year.

**Although it is low, but the protection amount of Huaxin Defensexia Insurance**A accident insurance can not be low, with a maximum insurance amount of 600,000 yuan for passenger cars, ships, trains, and other modes of transportation, and a maximum insurance amount of 10 million yuan for passenger aviation accidents, and 10,000 yuan for accidental medical treatment.

Overall, Huaxia Insurance**A Comprehensive Accident Product Plan is an accident insurance product with low premium, full coverage and high protection

No. Sudden death is only a form of death and does not prove the direct cause of death, and if Accidental Injury Protome Insurance is insured, if the burden of proof cannot be borne for the death due to accidental injury and the causal link between the death and the accidental injury, the evidence submitted will not be sufficient to prove that the insured died as a result of the accidental injury.

Sudden death is a death from disease, which belongs to life insurance, and the annuity insurance and critical illness insurance of general insurance both include the death liability of life insurance, so it will be paid; In addition, if the customer who died suddenly had term life insurance and died of illness, he or she could also get benefits.

1. Sudden death is only a manifestation of death, not a cause of death.

In 1970, the World Health Organization, the International College of Cardiology, and the American Heart Association defined sudden death as "accidental death that occurs immediately after the onset of acute symptoms or within 24 hours of the situation." There are three characteristics:

Sudden death, unexpected death, natural or non-violent death. ”

At the same time, the Ministry of Public Security's "Examination of the Sudden Death of the Dead" (GA T170-1997) stipulates that "sudden death refers to the sudden, accidental death of a seemingly healthy person due to an underlying disease or dysfunction". Sudden death, although subjectively unexpected, is also an unexpected death, but objectively the cause of death is death due to an underlying disease or dysfunction.

2. Accidental injury in accident insurance refers to the objective fact that the body is injured by an external, sudden, unintentional or non-disease.

Therefore, only if the cause of death of the insured meets the four elements of external, sudden, unintentional and non-disease as stipulated in the insurance clause, it constitutes an accident within the scope of insurance liability, and the absence of any of these elements does not constitute an accidental injury accident.

The composition of "accidental injury" includes the two necessary conditions of "accident" and "injury", and at the same time, it must also meet the four major elements of external, sudden, unintentional and non-disease. Kaixinla.

"Externality" emphasizes that a certain danger or accident is external to the human body, and is used to distinguish health insurance with endogenous diseases as the object of insurance; "Suddenness" emphasizes that the injury is caused by an accident that changes drastically in a moment; "Unintentional" emphasizes that the injurious consequence is not desired or pursued by the insured; "Non-disease" emphasizes that the injury is not caused by disease. Moreover, the above four elements must be met at the same time, and all of them are indispensable.

Article 2 of the Several Provisions of the Supreme People's Court on Evidence in Civil Proceedings stipulates that: "A party shall have the responsibility to provide evidence to prove the facts on which its own claims are based or the facts on which the claims of the other party are refuted.

If there is no evidence or the evidence is insufficient to prove the factual claims of the parties, the party who bears the burden of proof shall bear the adverse consequences."

The current general theory of sudden death is that sudden death is only a manifestation of death, not a cause of death. And the cause of death is a key issue in determining insurance liability. In short, if the cause of death is caused by its own illness, then there is no dispute about making a claim in the health insurance category, and it is generally rejected in the accident insurance category; If the cause of death is foreign and non-diseased, it is within the scope of accident insurance.

Extended information: Sudden death is divided into pathological and non-pathological deaths. Pathological death is generally caused by one's own disease, which can be called pure sudden death. There are generally two situations of non-pathological death, one is the multi-cause and one-effect type, that is, there are external causes and internal causes, which are generally manifested as external causes first, inducing internal causes, and this complex cause of death with multiple causes and one effect should be appropriately compensated according to the size of the external causes.

The other is the type of unknown cause of death, then this situation also conforms to the characteristics of accident insurance, that is, external, sudden, unintentional, and non-disease. It can also be said that it is covered by accident insurance.

In the trial of insurance contract disputes over sudden death, the court does not have uniform criteria for determining sudden death, and there are some awards of compensation and some of which do not. The view of compensation is that sudden death is only a manifestation of death, not the cause of death, and the cause of sudden death includes accidental death from non-disease, and sudden death cannot be simply equated with death from disease. The view of non-award of compensation is that sudden death is a death from disease, and although sudden death has the characteristics of "sudden" and "unintentional", it does not have the elements of "foreign" and "non-disease".

Key points to be grasped in sudden death cases.

The focus of controversy over sudden death is still on the cause of death, and the identification of the cause of death is the key. As the family members of the policyholder and the insured, they should report to the insurance company immediately after the sudden death, and the insurance company will generally find out the cause of death, and if they do not agree with the insurance company's inspection conclusion, they can also entrust a third-party agency to conduct an examination of the cause of death. In addition, the plaintiff should pay attention to the collection of evidence of death caused by external causes.

Prevention and control of insurance legal risks.

Insurer: If sudden death does not fall within the scope of accident insurance liability, it should be clearly agreed that it is within the scope of deductible liability, and it should be clearly explained to the policyholder that sudden death is not subject to accident insurance liability. The policyholder may be advised to purchase other types of life insurance that can be compensated for sudden death.

Policyholders: When applying for insurance, you should pay attention to the insurance liability and deductible clauses of accident insurance, and you can purchase accident insurance and critical illness insurance at the same time from the perspective of risk prevention and control. In addition, foreign-funded insurance companies that die suddenly in Hong Kong can be claimed, and some foreign-funded insurance can be purchased appropriately if conditions permit.