Does sudden death accident insurance cover it, and does sudden death and accident insurance pay for

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:

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

Is sudden death considered an accident?

Is there any compensation for sudden accidental death accident insurance?

No compensation! According to data, the number of sudden deaths in China exceeds 540,000 every year, and one person dies suddenly every minute.

However, you must know that although sudden death is a sudden death of the body without this hand, it is not an accident, and most of the sudden death is caused by heart disease, so the accident insurance does not pay.

Of course, there are some accident insurance with sudden death liability on the market, but the claim conditions are more stringent, and the death must be met within 6 hours or 24 hours from the onset of the disease to be paid.

At the same time, due to the rapid onset and rapid death of sudden death, it is difficult to determine the cause of the disease, so it is difficult to claim through critical illness.

Life insurance can definitely compensate, whether it is death caused by accident or illness, life insurance can pay. Therefore, if you want to protect against sudden death, it is most reliable to start life insurance.

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Is sudden death an accident, and in the case of sudden death, can the accident insurance you buy be claimed?

Many people will say, that must be counted, a good person is gone, and the accident insurance must lose money. However, most accident insurance does not cover sudden death, but some accident insurance can cover sudden death. Except for very common situations like heat stroke, suicide, self-harm, giving birth, accidents, one's food poisoning, altitude sickness, etc., most accident insurance does not pay.

What is sudden death? First of all, let's take a look at what the definition of sudden death is, sudden death refers to the appearance of a healthy person with certain diseases or certain mental disorders, and the non-violent death that occurs within a short period of time is sudden death. There are many causes of sudden death, including cardiovascular diseases, respiratory diseases, central nervous system diseases, drugs or poisoning, etc., from which we can conclude that sudden death is not an accident, and ordinary accident insurance will not have any liability for sudden death.

So what is an accident? In the insurance industry, the definition of accident must meet four conditions, external, sudden, unintentional non-disease accidental injury, to put it bluntly, that is, the injury comes from the outside, is sudden and sudden, not my own willingness, nor because I have my own physical problems. Then sudden death must be caused by physical reasons, so it is not an accident.

However, in the past two years, the protection liability of accident insurance products has become more and more comprehensive, and some accident insurance can cover the liability of sudden death. That is, when the insured dies of sudden illness, it is also possible to obtain a claim for accident insurance, and it is necessary to remind everyone that accident insurance has requirements for the time from sudden illness to death of the insured, and some products require that the time from onset to death must be within six hours, and some products require that the time from onset to death within 24 hours, it is also possible, so when we apply for accident insurance containing sudden death liability, in addition to choosing the occupational category related to our work, Try to choose products that are as long as possible from onset to death.

Of course, the last reminder is to stay up late, work less overtime, and have a healthy work and rest, so as to reduce the risk of sudden death.

The accident insurance you buy can be claimed, because sudden death itself is an accident, so sudden death can be claimed after buying accident insurance.

Yes, if your insurance covers this, then you can make a claim, which is stipulated in the insurance contract.

Of course, yes, as long as there is no problem at all if you meet the conditions for compensation, you must determine it according to the accident insurance you have purchased.

You can ask for accident insurance because sudden death is an accident in itself, and everyone doesn't want to die like this.

You will definitely be compensated accordingly. Since you have bought insurance, if you have some unexpected circumstances, you will get a very good compensation.

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.

Summary. Hello dear, I am happy to answer for you that sudden death is generally caused by the onset and deterioration of internal diseases, not caused by external injuries. Therefore, sudden death is not covered by accident insurance.

If the insurance company determines that sudden death is not within the scope of accident insurance liability, it should clearly agree that it is within the scope of deductible liability, and clearly explain to the policyholder that sudden death is not part of the accident insurance liability. It is recommended that you can purchase accident insurance that stipulates in the insurance policy that you can get compensation for sudden death.

Is sudden death an accident insurance?

Hello dear, I am happy to answer for you that sudden death is generally caused by the onset and deterioration of internal diseases, not caused by external injuries. Therefore, sudden death is not covered by accident insurance. If the insurance company determines that sudden death is not within the scope of accident insurance liability, it should clearly agree that it is within the scope of deductible liability, and clearly explain to the policyholder that sudden death is not part of the accident insurance liability.

It is recommended that you can purchase accident insurance that stipulates in the insurance policy that you can get compensation for sudden death.

Expansion: Accident insurance is different from medical, critical illness, term life insurance, etc., and can only be paid if it meets the needs of non-disease, non-intended, external, and sudden situations. Mainly contains:

First, comprehensive general accident insurance: for traffic accidents, swimming drowning, electric shock, burns, burns, falls, falling objects, etc., as well as some specific public transportation accidents (such as online car-hailing, ships, airplanes, buses, high-speed rail), etc., some also include sudden death protection; Second:

Specific accident insurance: high-risk occupational groups (categories 1-6), group accident insurance, employment insurance, travel insurance, aviation accident insurance, etc., are divided.