What is covered by accident insurance?

1) Death benefit.

2) Disability benefits.

Accidental death benefit and accidental disability benefit are the basic responsibilities of accident insurance, and their derivative liabilities include medical benefits, lost work benefits, funeral expenses and living expenses payments.

The liability of accident insurance is the death and disability of the insurer caused by the accident. Not responsible for death due to disease. As long as the event that causes the insured to suffer accidental injury occurs during the insurance period, the insurer shall bear the insurance liability and pay the insurance money.

Accident insurance provides accidental injury and accidental medical coverage for the death or dismemberment of the insured person as a result of an accident.

Generally, accident insurance covers four types of liability: accidental death, accidental dismemberment, accidental medical treatment, and accidental hospitalization allowance. If the consumer is disabled due to accidental injury, the insurance company will pay a certain amount of insurance according to the level of disability; The insurance company will pay the medical expenses due to accidental injuries according to the actual situation, and generally include two types of medical reimbursement liabilities: accidental outpatient and accidental hospitalization.

Common accident insurance includes travel accident insurance, aviation accident insurance, traffic accident insurance, etc.

Accident insurance mainly covers accidental medical benefits, accidental dismemberment benefits, accidental death benefits and accidental work stoppage benefits. Be sure to read the terms and conditions clearly when purchasing, so as not to cause unnecessary trouble to yourself.

Hello! Accident insurance has a personal life. Tourism. Traffic. Aviation (accidents) are in descending order in terms of coverage.

Accident insurance is a common type of insurance that mainly covers people from personal and property losses caused by unexpected events in their daily lives. Accident insurance has a wide range of coverage, including the following:

Death benefit: Accident insurance usually provides death benefit, and the insurance company will pay compensation for the death caused by an accident during the insurance period.

Disability Protection: Accident insurance will also provide disability protection, and the insurance company will pay compensation according to the degree of disability caused by an accident during the insurance period.

Medical Protection: Accident insurance usually provides medical coverage, and the insurance company will pay compensation for medical expenses incurred due to accidents during the insurance period.

Accidental Hospitalization Benefit: Accident insurance will also provide accidental hospitalization coverage, and the insurance company will pay compensation for hospitalization due to an accident during the insurance period**.

Lost time protection due to accidental injury: Accident insurance usually provides lost time protection due to accidental injury, and the insurance company will pay corresponding compensation for lost work due to accident during the insurance period.

To sum up, accident insurance covers a wide range of aspects, including death, disability, medical treatment, hospitalization, lost work and other aspects. When choosing accident insurance, consumers need to choose according to their actual needs and financial capabilities. At the same time, consumers should also understand the quality of insurance companies' products and services to make more informed choices.

What should I pay attention to when buying accident insurance?

When buying accident insurance, you should pay attention to the following points:

Pay attention to whether the coverage is comprehensive, if it is only a specific part of the coverage, such as only covering self-driving, then only in the process of self-driving accidents can you get compensation, and its coverage is incomplete.

Pay attention to the deductible, if the accident insurance has an additional accidental medical treatment, then you need to pay attention to the deductible.

Pay attention to whether your occupation meets the insurance requirements, and when purchasing accident insurance, you need to pay attention to whether your occupation meets the insurance requirements.

Pay attention to the exclusions in the insurance terms, and when purchasing accident insurance, you need to pay attention to the exclusions in the insurance terms.

Pay attention to the insurance liability, and when buying accident insurance, you need to pay attention to its insurance liability.

Pay attention to the coverage period, and when purchasing accident insurance, you need to pay attention to the amount of insurance not exceeding the specified amount.

At present, the state has regulations that the risk insurance amount for people under the age of 10 cannot exceed 200,000 yuan, and the risk insurance amount for those who have reached the age of 10 and are under the age of 18 cannot exceed 500,000 yuan.

Accident insurance covers:

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

2. Accidental disability: If the accident causes physical disability, the insurance company shall pay the accidental disability insurance according to the agreed proportion according to the disability level.

3. Accidental medical treatment: generally in the form of additional insurance. If the insured person has an accident, the insurance company will reimburse the hospitalization expenses on a pro-rata basis. That's what you cover.

Features: (1) Payment of insurance money.

In the event of an insured event, the death insurance benefit is paid according to the agreed insurance amount, and the disability insurance is mostly paid according to a certain percentage of the insured amount.

2) Basis for calculating premiums.

The pure premium of accident insurance is calculated based on the loss rate of the insured amount, and this method believes that the probability of the insured suffering from an accident depends on his occupation, type of work or activity to be carried out, and when all other conditions are equal, the higher the degree of risk of the insured's occupation, type of work and activities engaged, the more insurance premiums should be paid.

3) Duration of insurance.

Accident insurance is for a shorter period of less than one year, with a maximum of three or five years.

4) Liability reserves.

The year-end liability reserve is calculated as a percentage (e.g., %) of the premium income for the year, which is the same as for property insurance.

Hello, due to the different accident insurance products have different coverage. 1.The word "accident" is emphasized here for accidental injury death and disability, and compensation can only be obtained if the death or disability is caused by the accidental injury.

For example, if you have an accident on a plane, train, car or other means of transportation, or if you are hit by a falling object outdoors, you will be injured by a slip and fall inadvertently. 2.The Platinum Edition of Sudden Death Comprehensive Worry-Free Accident Insurance has sudden death protection, which mainly refers to the sudden illness and death within 6 hours of the occurrence of the disease.

Of course, there are many situations that are not covered by accident insurance, such as suicide, intentional crime, miscarriage, plastic surgery, drug abuse and drunk driving, etc. Accident insurance is a life insurance that is conditional on the payment of insurance benefits due to death or disability caused by accidental injury, and the scope includes:1

In the event of death caused by accidental injury, the insurer shall pay the death insurance benefit. 2.When the insured becomes disabled due to accidental injury, the insurer pays disability insurance benefits.

3.When the insured suffers medical expenses due to accidental injury, the insurer pays the payment. 4.

When the insured is temporarily incapacitated due to an accidental injury and is unable to work, the insurer shall pay the insurance benefit to the insurer of the suspension of work. Therefore, accident insurance is not a panacea, you should choose the most suitable product for yourself according to your actual situation before applying for insurance, because the coverage of different products is also different, and the accident that may be exempted from product A can be claimed in product B.

First of all, accident insurance refers to life insurance that requires the death or disability of the insured person due to an external, sudden, unintentional and non-disease accidental injury as the condition for the payment of insurance benefits.

The scope of claims of accident insurance is mainly in the following three aspects:

1. Accidental death

Accidental death is accidental death, and if the insured dies in an accident during the benefit period, the insurance company will directly pay the corresponding sum insured in a lump sum, and the contract will be terminated at the same time.

When applying for accident insurance, how much sum insured is allocated, and how much sum insured can be obtained in the unfortunate death of the insurance period during the insurance period.

2. Accidental disability

Accidental disability is paid according to the level of disability, and the specific proportion is shown in the figure below

Total disability includes vegetative state, loss of both eyes and total paralysis, etc., if you unfortunately suffer an accidental injury during the insurance period and cause total disability, the insurance company will also pay the full sum insured in accordance with the contract, and the contract will be terminated at the same time.

In the case of disability other than total disability, a disability appraisal is required, and the insurance company will pay the corresponding sum insured in a lump sum according to the disability appraisal level.

3. Accidental medical treatment

Compared with the small probability of death or disability caused by accidental injury, more often than not, life is faced with medical expenses caused by accidental injury, so it is particularly important to choose products that include accidental medical liability.

For example, medical expenses incurred from burns, falls, fractures, traffic accidents, etc., can be reimbursed through accident insurance.

The exact amount of reimbursement depends on the amount of accidental medical insurance configured, whether there is a deductible, the limitation of reimbursement coverage and the reimbursement ratio. Look

Dear, I'm glad to answer for you! Accident insurance refers to an insurance product in which the insurer pays the insurance money to the insured in accordance with the policy during the insurance period due to the occurrence of sudden, unintended and unexpected events within the risk scope recorded in the insurance contract. Specifically, accident insurance typically includes the following:

1.Accidental death insurance: refers to the death of the insured due to an unexpected event during the insurance period, and the insurance company pays a certain amount of insurance money in accordance with the contract.

2.Accidental disability insurance: During the insurance period, if the insured is physically disabled or quadriplegic due to an accident, the insurance company will pay a certain amount of insurance money in accordance with the contract.

3.Medical expense insurance: During the insurance period, if the insured is injured or sick due to an accident and needs medical treatment, the insurance company will pay a certain amount of medical expenses in accordance with the contract.

4.Accidental hospitalization allowance insurance: refers to the insurance company that during the insurance period, the insured needs to be hospitalized due to an accident or illness**, and the insurance company will pay a certain amount of hospitalization allowance according to the contract.

5.Accidental Injury Daily Insurance: During the insurance period, if the insured is physically injured due to an accident and is unable to work or live normally, the insurance company will pay a certain amount of daily insurance in accordance with the contract.

Hello dear. <>

The scope of accident insurance is as follows; Accidents caused by traffic, including aviation accidents, railway and ship accidents, passenger and public transport accidents, rail transit accidents, private car accidents, etc. Accident insurance is personal accident insurance, also known as accident or injury insurance, which refers to the insurance that the insured pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury during the insurance period, and uses this as a direct defense to cause death or disability in the past year, the insurance company pays a certain amount of insurance money to the insured or beneficiary in accordance with the insurance contract.

Accident insurance includes, including aviation accidents, railway and vessel accidents, passenger and public transport accidents, rail transit accidents, private car accidents, etc. Accident insurance is actually a kind of insurance that provides people with accident risk protection. Generally speaking, if an accident occurs during the effective period of the agreed insurance, resulting in physical disability or death, the insurance company will provide a certain amount of compensation to the insured in accordance with the relevant provisions in the insurance contract.

Accidents are unpredictable, and everywhere, once you encounter an accidental injury, you need to be hospitalized**, Liang Peizhong may lose his life, and accident insurance is to provide medical expenses or death benefits for these situations to reduce family economic losses.

Because accidents are always everywhere, it is recommended that everyone should configure the right accident insurance for themselves, whether it is a naughty envy child, an elderly person who is easily injured or a strong young person, you need to buy accident insurance. People who often need to travel for business or like to go out for entertainment should choose to purchase accident insurance. If you are a business person who needs to go out a lot, you should choose traffic accident insurance.

In this case, the coverage will mainly cover airplanes, ships, trains and other means of transport. Therefore, it is advisable for everyone to choose an accident insurance that meets their needs, so that they can get more comprehensive protection when unexpected risks come.

Hello dear.

Accident insurance includes death benefits, disability benefits, medical benefits, and stoppage benefits. There are four types of compensation coverage for accident insurance: 1. Death benefit

In the event of death caused by accidental injury to the insured, the insurer shall pay the death insurance premium. The death benefit is a full payment. 2. Disability Benefits:

When the insured becomes disabled due to accidental injury, the insurer shall pay disability insurance benefits according to the degree of disability. Disability benefits are paid in installments. 3. Medical benefits:

When the insured incurs medical expenses due to accidental injury, the insurer shall pay according to the actual situation. 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, disability, and disability. 4. Stoppage payment:

When the insured is temporarily incapacitated due to an accidental injury and is unable to work, the insurer shall pay the suspension insurance benefit.