Is there an accident insurance for the elderly to cover sudden death?

Hello! Many diseases, strenuous exercise, certain drugs, etc. can cause sudden death, most of which are sudden cardiac death. In general, it is difficult to find, and accident insurance often does not cover sudden death.

Some products in the Aged Care product line cover sudden death, making up for the shortcoming that many insurance companies deny.

Care is mainly for the elderly aged 61-80 years old, and its increased protection for critical illness, accident, medical treatment, hospitalization allowance and other benefits fills the market "vacuum" of medical insurance for the elderly.

Elderly care product features 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 love and give them an old age accident insurance. Provide you with a professional accident insurance "elderly care plan" purchase platform for sudden death of the elderly

There are thousands of insurance products that meet your requirements!!

1 Let me tell you first: sudden death is not an accident, it is a death from disease! Because of the accident, four conditions need to be met: unintentional, non-diseased, sudden, and foreign! Sudden death is a death caused by the body itself and is not an accident.

2 What types of insurance cover sudden death?

Life insurance, whether it's whole life insurance or term life insurance, is fine. Because the main thing that life insurance covers is death, whether it is illness or accident.

Therefore, sudden death, life insurance can be compensated.

Critical illness insurance with life insurance attached.

Common critical illness insurance, such as Ping An Fu, China Life Insurance, Jinfu Life, etc., with critical illness insurance attached to life insurance, can also be paid.

Partial accident insurance.

Although, sudden death is not an accident. However, because the public does not understand and there are many complaints against insurance companies, some insurance companies have specially developed some accident insurance with sudden death liability attached. With these accident insurances, sudden death can also be covered.

Sudden death insurance. Some companies in the industry have developed insurance that specifically protects against sudden death. It is very cheap and can be considered by people who are worried about sudden death. This must be payable.

Because there are too many eligible products, I can't list them one by one, so I'll tell you about the above types.

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."

Sudden death is not an accident insurance. Sudden death is generally caused by the onset and deterioration of an internal disease, not by an external injury. Therefore, sudden death is not covered by accident insurance.

Accidental injuries covered by accident insurance refer to injuries to the body caused by external, sudden, unintentional, and non-disease objective events.