How much does a person pay for accident insurance in a year? What is the sum insured

The sum insured is the insurance payment paid by the insurance company after the risk occurs. Before buying different insurance products, many people are still very entangled in how much insurance to buy, I believe this article can help you answer your questions:How much insurance is appropriate?

Let's talk about the doorway inside

How to choose accident insurance based on your actual needs, and how much is the appropriate amount of accident insurance? It also has to be determined according to its own actual situation, how to decide? If you are interested, you can read below:

It is necessary to keep the warranty within the appropriate range, and not buy too high or too low.

1.The sum insured is too high:If the insurance rating is high, the premium will be correspondingly high, and paying too high a premium will increase the financial pressure on the family, which is too unnecessary.

2.The sum insured is too low:Not enough to resist the losses caused by risks. Generally speaking, it costs about 300,000 yuan to have a serious illness, and if you only buy critical illness insurance with an insurance amount of 100,000 yuan, you can't solve the problem at all.

Many people are struggling with how much to buy for critical illness insurance and accident insurance。So how do you determine an appropriate amount of insurance for these two types of insurance? Let me break it down briefly:

1.Critical Illness Insurance:**Critical illness generally costs around 300,000 yuanTherefore, the insured amount must be at least 300,000If it is in a big city, because the cost of living is higher, the sum insured should also be increased to 500,000 yuan.

If it is the main economic income in the family, it is necessary to add 3 to 5 years of income loss to reduce the impact of no economic income on the normal life of the family during the ** period.

The following is my long-term comparison, choose the most cost-effective critical illness insurance, and share it with you:Top 10 [Cost-effective] Popular Critical Illness Insurance Points! 》

2.Accident Insurance:If the safety factor of the working environment is high, it is enough to buy 300,000 yuan of insurance; If the probability of risk in the working environment is relatively large, it is recommended that the amount should be more than 500,000 yuanAccident insurance with public transport is preferred

Learning the key knowledge of the sum insured can better buy insurance, and there are some key knowledge points that must be clear before buying insurance, see :"Before buying insurance, you must first figure out these key knowledge points! 》Hope!

Pay more than 2,000 yuan a year, guarantee 2 million, guarantee for 30 years, and surrender the premium at maturity.

More than $100 is acceptable, and the amount of insurance varies depending on the premium. Chinese Life welcomes your consultation!

100 yuan a year, 80,000 yuan for accidental injury, 3,000 for medical treatment, and good insurance, wishful travel, worth million.

1472 yuan per year, 10 consecutive years, 1 million guarantees, 30 years.

Accident insurance of Prudential Life, $100,000,220 per year.

Hello, glad to answer for you.

According to your description, it is recommended that you insure the Ruyi accompanying Chinese Life, pay for 10 years, guarantee for 30 years, and return multiple of the insurance premium paid at the end of the term, worth one million.

There are one hundred, the sum insured. 200, the sum insured.

Pay five years for 30 years, 2 million for 3,440 yuan.

Ping An accident insurance for a class of occupations: 230 yuan, 100,000 yuan.

100,000 yuan for 100,000 yuan, 1672 for 1 million.

55 yuan to cover 100,000 accidental death and disability, 10,000 accidental medical treatment.

One hundred is worth fifty thousand, five thousand medical care, two hundred hundred hundred thousand is worth ten thousand medical care.

I am Huakang Insurance Supermarket, and I can first compare similar products from multiple companies for you according to your needs, and finally choose which company's products to buy and how to buy them.

Hello: Accident insurance has long-term and short-term insurance, wishful travel,

Hello, do you want to buy short-term or long-term.

It's up to you how much you want to protect.

How to buy personal accident insurance?

1. Look at the coverage of accident insurance.

An accident insurance generally covers accidental death, disability liability and injury medical liability, and customers can also add accidental hospitalization and lost work allowance, hospitalization care allowance, ambulance expenses, etc. according to their needs.

Recommendation: Comprehensive accident insurance is preferred for the first accident insurance.

We recommend choosing an accident insurance that includes the first four insurance coverages above, or adding accidental hospitalization and loss of work allowance, hospitalization care allowance insurance liability, which will not increase the premium much, but it can solve many problems. The first thing to do is to see the scope of coverage, and it is recommended to buy the first accident insurance that includes the above insurance responsibilities.

2. Look at the deductible and reimbursement ratio.

Accidental death and disability liability is paid according to the level of injury, there is no deductible, and the general deductible for accidental injury medical treatment is 100 yuan, which is higher than this standard and can choose the accident insurance of other insurance companies for reference.

3. Restrictions on the duration of insurance and the hospital you visit.

Customers should carefully read the terms and conditions of the insurance, pay attention to the length of the insurance period, whether there are restrictions on the hospital and whether it can be reimbursed for outpatient services, etc., in addition, it is also necessary to understand the liability exemption, insurance period, claim procedures, whether there are restrictions on the hospital to be visited, etc. For people with a high occupational risk factor, the insurance company will increase the fee or refuse to insure.

4. Personal needs and the nature of the work.

After the comprehensive accident insurance, you can add accident protection according to your needs or the nature of your work, such as traffic accident insurance, travel accident insurance, and private car accident insurance. The first two types are more common, private car accident insurance is a travel protection provided by the insured to travel in or drive a private car.

How much does accident insurance cost per year?

It depends on whether it is a long-term payment accident or a one-year accident, whether it is a consumption type or a return type, and what is the amount of insurance. If it is a one-year consumption type, the insurance amount is 100,000 yuan, and the medical treatment is 10,000 yuan, and the cheapest one can be purchased for 60 yuan.

Ping An Health Insurance is grateful and grateful!

Ping An e-Life Insurance Plus

6,000,000 medical coverage.

Ages 0-60 are eligible.

As low as Yuan Tian.

Rewards: 1) If the same insured user exceeds 400 yuan, he can get the physical examination card service.

2) The user (new) can receive 100 yuan for binding the card.

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

Hello! This is related to factors such as family economic status, and the average adult accidental death insurance amount should be set at 5-10 times of the individual's annual income, so that even if the insured has an accident, it can protect the life of family members in the next 5-10 years without much change. As for minors, if they are under the age of 10, the accidental death insurance shall not exceed 200,000 yuan, and if they are 10 years old but under 18 years old, the accidental death insurance amount shall not exceed 500,000 yuan.

Usually, in group accident insurance, the minimum insurance amount is 1,000 yuan and the maximum is 500,000 yuan; In personal accident insurance, the minimum insured amount is 1,000 yuan and the maximum is 1 million yuan. The above is the amount of insurance for ordinary accident insurance, if it is a traffic accident, the amount of insurance can be as high as several million without underwriting, such as many companies' million accident insurance, usually aircraft accidents have an insurance amount of 5 million. In addition, there may be slight differences between different products of different companies, which are subject to the requirements of insurance companies.

How much is the right amount of insurance for accident insurance.

When choosing accident insurance, it is best not to exceed 10% of the annual balance of the family. Then the recommended coverage for adult and child accident insurance is different.

If it is an adult who buys accident insurance, adults generally have a certain income**, and the accident insurance is preferably 5-10 times the annual income of the family, so that even if the insured loses the economy due to an accident**, it will not bring a heavy blow to the family financially.

If you purchase accident insurance for children, there is an upper limit on the amount of child accident insurance, and if the child is under the age of 10, the insurance amount cannot exceed 200,000 yuan; If the child is between 10 and 18 years old, the sum insured cannot exceed 500,000 yuan.

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

What is the maximum amount of personal accident insurance coverage.

The compensation of general personal accident insurance is calculated on a case-by-case basis. Let's take a look at how much personal accident insurance compensation is related to what factors are related. If there is an accident within the scope of the insurance liability, then we need to pay attention to the following elements.

First, the amount insured. When purchasing insurance, the insurance contract stipulates the amount of insurance, that is, the maximum amount that should be compensated after the accident. In the unfortunate event of the death of the insured, the beneficiary will receive the death benefit. If the insured becomes disabled, the insurance company will pay the disability insurance benefit according to the degree of disability.

Second, the actual expenses incurred as a result of the accidental injury. If you have an accident insurance policy that covers hospitalization medical liability, the amount of compensation cannot exceed the actual cost of medical expenses. Third, other factors.

For example, if your medical liability is subsidized, it depends on the amount of daily allowance and the number of days; If the medical insurance is expense-based, then it depends on the deductible and the payout ratio. Of course, if the accident that occurs is not covered by the insurance, the insurance company can not pay compensation.

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

Summary. If you buy a personal accident insurance, the annual premium is 100, and the insurance amount of the accident insurance bought by this ** is about 300,000.

Hello, I am a veteran of the financial industry for many years. Your question has been received and the answer is being collated, please wait for 2 minutes

If you buy a personal accident insurance, the annual premium is 100, and the insurance amount of the accident insurance bought by this ** is about 300,000.

If you buy insurance from some large companies, the insurance amount is only about 100,000.

Good! Thank you very much!

You are welcome.

It depends on how much you insure. Every insurance company costs a lot of money. At present, the accident insurance in the market can be roughly divided into two categories: consumption and return.

Among them, the cost of consumer-type accident insurance ranges from 100-1,000 yuan, and the insurance amount ranges from 100,000-1,000,000 yuan. The cost of refundable accident insurance is relatively high, but the premium will be refunded after the expiration date.

Ping An Health Insurance is grateful and grateful!

Ping An e-Life Insurance Plus

6 million Chang talks about medical security.

Ages 0-60 are eligible.

As low as Yuan Tian.

Rewards: 1) If the same insured user exceeds 400 yuan, he can get the physical examination card service.

2) The user (new) can receive 100 yuan for binding the card.

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