I have purchased personal accident insurance, but I die due to respiratory and cardiac arrest, can I

Respiratory and cardiac arrest "is only a form of death, and does not prove the direct cause of death, you are insured by accident insurance, whether the death is due to accidental injury and the causal relationship between death and the accidental injury, to prove that the death is caused by an accident before you can apply for accident insurance claims, the insurance law defines an accident as "an objective event that suffers from an external, unintentional, sudden, non-disease injury to the body", and the lack of any element does not constitute an accidental injury accident. Note here the "non-diseased". This form of death is generally referred to as "sudden death", and the objective cause of death is death due to an underlying disease or dysfunction.

Death due to accidental respiratory and cardiac arrest can apply for compensation.

Compensation can be paid due to accidents, but not due to illness.

If it is caused by an accident, it can be paid, which is judged by the diagnosis certificate of the hospital.

It depends on the diagnosis of the hospital, and if it is caused by an accident, it will be compensated.

Hello! This depends on the diagnosis certificate of the hospital, and it is not due to accidents.

It depends on what causes respiratory cardiac arrest, if the disease is not in charge, if the accident can.

Cardiac arrest is considered a disease, and there is no accident insurance.

If it's caused by an accident, it's fine.

If it is caused by an accident, it will be compensated.

Death is classified as natural death, disease death, and accidental death. If it is an accidental death, it can be compensated, and the accident insurance coverage will be compensated, but the other two cases will not be compensated. Accident insurance is personal accident insurance, also known as accident or injury insurance, which means that the policyholder pays a certain amount of premium to the insurance company when the insured suffers an accidental injury during the insurance period.

First, check the insurance liability of the accident insurance, whether the accidental injury death occurred within the liability exemption? Was the death caused by an illegal act? Accidental injuries that are illegal and exempt from liability cannot be claimed;

2. Sudden death: People usually regard death caused by sudden illness as accidental death, and sudden death is not accidental death. The precise definition of sudden death is: death due to a sudden, unnamed cause of illness;

Third, one of the types of accidental injury death with obvious characteristics:

The most common is the death caused by a traffic accident, this situation has real and objective evidence, no need to report to the insurance company, after the accident is handled, hold: the victim's medical death certificate, traffic police force accident responsibility determination, judicial appraisal report, household registration cancellation certificate, beneficiary relationship certificate, ......and other relevant supporting materials to apply to the insurance company for compensation. If the victim of the accident is driving without a license, the insurance company will not pay compensation, and the common ones are driving motorcycles and large agricultural tricycles without a license;

Fourth, the common type of accidental injury death with obvious characteristics:

In practice, there is also the death of accidental injuries caused by a fall from a height, which must be reported to the insurance company at the first time of the accident, and the necessary evidence of the claim must be fixed to the local police station or public security department for the evidence that needs to be provided in the later stage;

Fifth, there are not many cases of accidental injury death in practice, and there are also accidental injury deaths in tourism;

In short, the conditions and difficulty of claims for accidental injury and death are relatively large, and the unprofessional person selected by the victim when applying for insurance before his death will bring certain problems and impacts to the claim, and it is recommended that after the death of accidental injury, it is recommended to find an experienced person or broker to deal with, do not consider who the insurance is paid to and who to deal with, which will have the effect of getting twice the result with half the effort.

There is no compensation for the death of illness, and the legal accidental death is normally claimed.

This depends on whether the terms of the insurance contract include the accident that occurred to you.

Accident insurance is responsible for accidental death and accidental dismemberment.

If accidental death is included.

Call the insurance company ** to report the case, and then apply for a claim.

The common exclusions of general accident insurance are as follows:

Intentional acts and illegal acts of the policyholder and the insured.

The Insured Person injures himself or commits suicide, except for persons who are incapacitated for civil conduct at the time of the Insured's suicide, except in the event of a fight, assault** caused by any biological, chemical, or atomic energy**, atomic or nuclear energy possession**, burns, pollution or radiation, terrorist attack, and during war, military action, insurrection, or armed rebellion.

Medical accidents and medical damages that occur during pregnancy, miscarriage, childbirth, illness, drug allergy, indication, indication, cosmetic surgery, and other medical treatment activities of the insured person without will, without will, or in the course of the insured's cosmetic surgery or other medical diagnosis and treatment activities.

During the period when the insured person is intoxicated or under the influence of drugs or controlled substances.

During the period when the insured is engaged in high-risk activities such as diving, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling matches, stunt performances, horse racing, car racing, etc.

Is there any insurance? If you have one, you will accompany you.

Absolutely, you must be able to pay!

There is no "waiting period" for accident insurance, usually bought on the same day, it will take effect the next day, even if an accident occurs the next day, you can pay for it!

"Waiting period" means: the period of disease observation, only insurance that covers the disease, such as medical insurance, health insurance, and life insurance, will have a waiting period. Accident insurance covers accidents and has nothing to do with illness, so common accident insurance is effective immediately after purchase.

But! Note: If an accident occurs in a short period of time, and it is a serious accident such as disability or death, it will usually enter the investigation process when the claim is settled.

The adjuster will be highly suspicious of this kind of accident, and it may be a malicious insurance fraud. For example, the previous "million self-driving accident insurance", pay 100 yuan in premium, and pay 1 million for accidental death. Many people have crooked thoughts about this kind of insurance, and such insurance fraud cases are very high.

The "Thai Wife Murder and Insurance Fraud Case", which caused a sensation on the whole network before, was also insured with high-value accident insurance and short-term insurance, and was investigated by the insurance company for claims, and the investigation result was malicious insurance fraud.

Therefore, if it is a real accident and you die after buying insurance, you can also pay for it. But if it's malicious insurance fraud, intentional homicide... Then it's not a question of whether the insurance will pay or not, that is to let the police Shu Huang teach him to be a man again!

Also, highlight what is an "accident"?

The "accident" in accident insurance must be the kind of "people sit at home, and disaster comes from heaven", that is, external, sudden, unintentional, and non-disease.

For example, Xiao Wang went to climb the mountain, and the bottom of the mountain was an abyss, knowing that he would be invited to tea by God if he jumped down, but he still jumped. Sorry, accident insurance does not pay.

For example, Lao Wang suffered from heart disease, and when he went upstairs, he had a heart attack, and he was invited to tea by God. Sorry, the accident insurance does not pay, because Lao Wang died of illness and has nothing to do with the accident.

However, Xiao Wang was suddenly hit by a car on his way to work, which he did not expect at all, meeting the four conditions of external, sudden, unintentional, and non-disease. Therefore, accident insurance is properly compensated.

"Xie Dajia" actor Yu Yuexian, who unfortunately passed away due to an accidental car accident, which made countless people sad and regretful. Accident or tomorrow, which will come first, we really don't know. Accident insurance is super cheap, 1 million insurance is only 300 yuan, everyone can afford it, it is recommended that everyone have one!

If you purchase life accident insurance but die unexpectedly within a week, you can't make a claim because it has an effective period.

If I have purchased life accident insurance but die unexpectedly within a week, can I make a claim? Then you can make a claim, because after all, you have purchased accident insurance.

Generally, life accident insurance can be effective 24 hours after purchase. Accidental death within a week can be claimed.

First of all, there is no provision in the insurance regulations that the insurance is effective, and the realization should be formed on the day the contract is signed, and the contractual relationship is formed after the payment, and the claim can be obtained once the death occurs, but some insurance stipulates the adaptation period in the contract, that is, within three months, and the insurance money will not be paid back if it dies. When we buy insurance, we must read the terms and conditions before purchasing.

In this case, there is a corresponding time limit for personal accident insurance. If you die unexpectedly within a week, you will not be able to make a claim.

Accidental death can be claimed, because accident insurance is to protect accidents, no one can predict it, so it takes effect when you buy it, unlike health insurance, which usually has to be observed for more than half a year, and it is good to submit information directly to the insurance company and apply for a claim.

If I have purchased personal accident insurance, but I die unexpectedly within a week, can I pay for it? Of course, you can apologize.

It depends on how the contract is agreed, under normal circumstances, as long as it is purchased, the personal accident insurance can take effect, and the claim should be paid.

Not after a week, because it seems that this insurance has a three-month hesitation period, and you have to have no accidents during this period.

I think in this case, they should be paying the claim.

Generally, the insurance company will investigate the situation you are talking about.

If you have purchased life accident insurance, but die unexpectedly within a week, you can make a claim if you meet the conditions for compensation, and there is no waiting period for general accident insurance.

As long as the purchase is effective, there will be a claim if there is an accident.

In the unfortunate event of an accident and death, the insurance company will pay the death benefit in full according to the sum insured agreed in the policy.

In addition, the compensation standard is an issue that all policyholders are particularly concerned about, so the compensation standard of personal accident insurance is actually based on the analysis of the above four situations of personal accident insurance compensation standard, and the compensation standard of personal accident insurance is different according to the injury suffered by the insured. Specifically, it can also be divided into four situations: death benefit, disability benefit, medical benefit, and work stoppage benefit. The specific amount of compensation needs to be determined according to the agreement on the policy.

Once the sum insured is determined, it cannot be changed in the middle of the process. However, in the group accident insurance policies launched by some companies, there is an additional clause that the insured can be replaced in the middle of the journey. When applying for personal accident insurance, the policyholder must understand the compensation standard in advance.

Supplementary information: 1. Personal accident insurance claim process.

1. First of all, you should report the case, after the accidental injury, whether it is death, disability, or need to be hospitalized, you should report to the insurance company in time.

2. Collect information, according to the situation of the insured's accidental injury, collect the information required for the claim, such as the medical diagnosis certificate, as well as the accidental injury certificate issued by the relevant departments, etc., and collect all the claim information and hand it to the insurance company.

3. The insurance company will review and approve the insurance company within a certain period of time after collecting all the information, and will issue the audit to pass.

4. After receiving the compensation, the insurance company will pay the compensation to the account of the insured or beneficiary after review.

3. Compensation standards for personal accident insurance.

Generally speaking, there are four types of coverage for personal accident insurance.

Scenario 1: Death benefit.

In the unfortunate event of the death of the insured, the insurance company will pay the death benefit in full according to the sum insured agreed in the policy.

Scenario 2: Disability Benefit.

In the unfortunate event that the insured suffers from an accident and becomes disabled, the insurance company will pay the disability benefit in accordance with the degree of disability as specified in the policy.

Situation 3: Medical insurance.

In the unfortunate event that the insured has an accident and carries out **, the insurance company will pay the corresponding amount according to the actual situation according to the agreement on the policy. In general, there is a maximum limit for medical benefits, and accident medical insurance is generally not covered separately, but as an add-on to accidental death or disability.

Situation 4: Shutdown guarantee.

In the unfortunate event that the insured suffers from an accident and becomes incapacitated, the insurance company will pay the suspension compensation in accordance with the agreement.

In addition to this, personal accident insurance also has four types of protection liabilities: accidental death, accidental dismemberment, accidental medical treatment and accidental hospitalization allowance.

When you buy it, it's all divided into many grades, how much do you pay? And then what is the sum insured? Your insurance policy is all well, clearly written, how much insurance you insure, how much money he will give you.

Hello, this depends on what type of insurance you have. If it is artificial, then the insurance company will not compensate, and if it is inviolable, then the insurance company will compensate according to the normal insurance amount.

Notify the insurance company as soon as possible, and the insurance will pay compensation according to the situation.

Hello, which company you bought it from, just consult the staff of the company, and they will give you a professional answer. If you haven't bought it yet, you can also go and inquire.

A lump sum payment to your beneficiary.

Answer: Hello, if there is an accident after purchasing accident insurance, you can call the report on the policy** and report the accident to the insurance company. The customer service staff of the insurance company will respond to the report after receiving the report**.

to guide the insured to collect claim materials. Gather.

After that, you can go directly to the insurance company's counter or submit the claim application and claim materials by mail. Claims.

The application form can be obtained at the insurance company's counter or directly.