What types of traffic accident insurance are covered?

What is covered by accident insurance?

Traffic accident insurance covers the scope of death, disability, medical expenses, etc., resulting from accidental injuries suffered by passengers during the passenger public transportation. It mainly includes trains, planes, ships, automobiles, subways and other means of transportation.

Specific coverage includes:

1. General traffic accident insurance includes four major means of transportation, such as planes, trains, ships, and automobiles, and the difference is that the insurance company will bear a slight change in the scope of protection for different means of transportation.

2. Aircraft accidents.

If you do not take different modes of transport from time to time, it is more appropriate to buy a vehicle accident insurance that covers aviation accidents.

3. Train accidents.

Vehicle accident insurance covers a larger area than aviation accident insurance, and in addition to covering the accident risk when taking the plane, the insurance company will compensate for the accident suffered during the train, subway, and light rail.

4. Ship accidents.

There must be a feeling of traveling by ship, but don't forget to buy ship accident insurance, PICC's "vehicle accident insurance" includes compensation for accidental injuries suffered by ships, with an insurance amount of up to 300,000.

5. Car accidents.

Car accidents are a high incidence in everyday life.

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

The main coverage of traffic accident insurance is generally during the insurance period, and the insurance company will provide corresponding compensation for the death or disability of the insured person taking public transportation as a passenger. Traffic accident insurance can be broadly divided into the following two categories:

1. Comprehensive transportation.

Comprehensive traffic accident insurance covers a wide range of common public transport, including airplanes, cars, ships, trains, taxis, and coaches, for a flexible period of time, typically from a few days to a year. Compared to buying aviation accident insurance every time you fly, it saves money and effort.

2. Outbound travel insurance.

It usually includes accident benefit and accidental medical benefit, as well as a number of value-added services, which are also relatively high**. The scope of coverage is larger and the degree of protection is higher, ensuring that it is sufficient to cover the high medical expenses abroad. In addition to death and disability, there are also emergency medical aid and evacuation for sudden illness during the trip, outpatient and emergency expenses**, hospitalization subsidies, travel delays, repatriation of minor children or hospitalization accompaniment, loss of travel documents, and round-the-clock multilingual travel consultation**, which not only provides emergency rescue services, but also provides weather, hotel, legal and other aspects of consultation.

Article 11 of the Measures for the Management of Insurance Clauses and Insurance Rates of Personal Yuli Bend Insurance Company.

General traffic accident insurance generally includes three categories: comprehensive driving insurance, traffic accident insurance and aviation accident clearance insurance. Traffic accident insurance is the main type of vehicle accident insurance.

There are two main types of accident insurance. First, vehicle loss insurance, which mainly refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall compensate in accordance with the provisions of the insurance contract.

There are three types of accident insurance: traffic accident insurance, travel accident insurance, and comprehensive accident insurance. The insurance period is divided into fixed period and optional.

There are counter insurance, door-to-door service, online insurance, ** insurance Mosong, etc. Policies are divided into traditional policies and card policies, the latter is easy to carry, printed with rescue**, major services, etc. It greatly facilitates the time and work needs of the policyholder.

1. Traffic accident insurance.

Its insurance liability is mainly for death or disability caused by accidents while riding commercial vehicles. At present, the one-year traffic accident insurance state guess premium of 100 to 150 yuan of traffic accident insurance, the sum insured is about 700,000 to 1 million yuan.

2. Travel accident insurance.

Its insurance liability is mainly for accidental injury, blindness, medical treatment, death and total disability during the tour. Many types of insurance have additional services such as medical rescue and operation of minors. The insurance company charges according to the travel time period, and the premium of a 10-day travel accident insurance is about 10 to 20 yuan, and the sum insured is about 100,000 yuan.

At present, many companies have also launched overseas travel accident insurance, which is relatively adequate. In addition to death and total disability, insurance liability also includes such as overseas rescue, overseas medical treatment, operation and return to China, emergency outpatient clinic, hospitalization compensation, baggage protection, personal documents and personal belongings protection, trip cancellation and shortening protection, hijacking and flight delay protection, etc. Of course, the rates are also higher.

A 20-day insurance with a premium of about 250 yuan, the sum insured is about 2 million. It should be reminded that ordinary travel insurance does not bear the responsibility of overseas protection.

3. Comprehensive accident insurance.

Its insurance liability covers death, total disability caused by various accidents, and medical expenses caused by accidental injuries. A one-year insurance of about 500 yuan, with a maximum sum insured of 2 million yuan.

Human life is priceless, and we have every reason to believe that having health is having success, so we can take out multiple insurances. Increase your own protection in all aspects.

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

[Legal Analysis].

Accident insurance mainly covers accidental death, accidental dismemberment and accidental medical treatment.

1. Accidental death: If the insured dies due to accidental injury, the insurance company will pay the accidental death insurance benefit in accordance with the contract;

2. Accidental disability: If the accident causes physical disability, the insurance company will pay the accidental disability insurance according to the disability level according to the proportion set by the chain bank;

3. Accidental medical treatment: generally in the form of additional insurance, the insured has an accident, and the insurance company will reimburse the expenses incurred in hospitalization ** proportionally.

[Legal basis].

Insurance Law of the People's Republic of China Article 2 The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the agreement, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility for paying insurance money when the insured dies, is disabled, sick, or reaches the age, time limit and other conditions agreed in the contract.

1. Death benefit: When the insured dies due to accidental injury, the insurer pays the death insurance benefit.

2. Medical benefits: When the insured suffers medical expenses due to accidental injury, the insurer will pay the payment.

3. Disability payment: When the insured is disabled due to accidental injury, the insurer pays disability insurance benefits.

4. Suspension of work payment: When the insured temporarily loses the ability to work quietly due to accidental injury, and is unable to do so, the insurer shall pay the insurance benefit for work failure before stopping.