What is personal accident insurance, and does personal insurance include accident insurance

Insurance personal accident insurance is personal accident insurance, which means that if the insured dies or becomes disabled due to an accident within the agreed period of time after the policyholder applies for insurance, the insurance company will give a certain amount of insurance to the beneficiary in accordance with the agreement between the two parties. Which insurance company is strong, I just sorted out the relevant content, I hope it will be helpful to you: the latest list!

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Prerequisites for Personal Accident Insurance

The human body here refers to the natural body of the insured, excluding artificial non-natural parts such as prostheses, dentures, and artificial eyes. The disaster accident that causes accidental injury to the insured referred to here should have four elements: external, sudden, unintentional and non-disease.

Types of Personal Accident Insurance

Personal accident insurance can be divided into short-term accident insurance, one-year accident insurance, and multi-year accident insurance. Most of them are mainly for one year. Short-term accident insurance, the coverage period is less than one year, and some are even less than one month, travel accident insurance belongs to the category of short-term accident insurance.

There are not many people who choose multi-year accident insurance, but only for a small number of people.

Coverage of Personal Accident Insurance

There are 4 types of accident insurance: death benefit, disability benefit, medical benefit, and work stoppage benefit. As the name suggests, the first three types of work stoppage payment refer to the form of giving certain economic compensation to the insured when he is unable to participate in work due to the loss of labor capacity due to accidental injury.

People cannot guarantee that they will not have accidents in their lifetime, especially children and the elderly, who are the main groups of people who have accidents. A lot of attention should be taken.

Accident insurance belongs to life insurance, there are many kinds of life insurance, and accident insurance is one of its businesses. Accident insurance, as the name suggests, is a kind of insurance that the insurance company takes as a condition for payment when the insured suffers an accidental injury, resulting in death, disability and other serious consequences. The basic contents of accident insurance are mainly as follows:

The insured pays the insurance premium of the relevant product to the insurance company, and after the insurance takes effect, as long as during the insurance period, if the insured suffers accidental injury and eventually causes death, disability or medical expenses, the insurance company will give the prescribed insurance compensation according to the insurance contract.

Life insurance is a form of insurance in which the insurer pays insurance money to the insured or beneficiary in accordance with the provisions of the insurance contract when the insured life or body is insured or the insurance period expires. There are three types of life insurance: life insurance, accident insurance, and health insurance. In property insurance, the insurer bears the liability for the loss of the insured object, while in life insurance, the insurer bears the liability for payment, regardless of whether the loss is or how much.

For this reason, life insurance is usually a fixed coverage plan.

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Personal accident insurance, also known as personal accident insurance, refers to the insurance company that can pay compensation in accordance with the insurance contract if the insured suffers an accidental injury and uses it as a direct cause of death, disability, medical expenses, etc. Generally speaking, personal accident insurance can cover items such as death benefit, disability benefit, medical expense benefit, work suspension benefit, etc.

The "accident" referred to in personal accident insurance must be a personal injury, and it must be non-diseased, foreign, accidental, sudden, and unwilling.

From the perspective of accident insurance, personal accident insurance includes personal traffic accident insurance and personal accident insurance, personal traffic accident insurance, as the name suggests, is responsible for traffic accidents, personal personal accident insurance, is responsible for all accidents that threaten personal safety, traffic accidents are naturally included, that is to say, personal personal accident insurance protection items include personal traffic accident insurance, and its protection items are more than these.

Usually, most of the accident insurance in people's mouths refers to personal accident insurance, it can also be said to be an accident medical insurance, it is also different from traffic accident insurance in terms of protection items, personal personal accident insurance has great advantages. Personal accident insurance covers not only accidental death or disability, but also accidental medical treatment caused by accidental injury. In the case of traffic accident insurance, it covers accidental death or disability caused by the four major public transportation.

For example, the one-year comprehensive accident insurance can also enjoy the superimposed protection for accidents caused by vehicles, and if the insured purchases accidental death and disability of transportation, he can enjoy the protection of comprehensive accidental death and disability and accidental disability of transportation at the same time. In addition, personal accident insurance will also have accidental hospitalization allowance and ambulance expenses to pay, but personal traffic accident insurance will not be available.

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

Personal Accident Insurance covers accidental injury (death), accidental dismemberment, accidental medical treatment. Accident insurance protection function: refers to the insurance that the policyholder pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury during the insurance period and causes death or disability as a direct cause, the insurance company pays a certain amount of insurance money to the insured or beneficiary in accordance with the insurance contract.

The specific scope is as follows:

1. Death benefit: When the insured dies due to accident risk, the insurance company pays the death insurance benefit, and the death benefit is paid in full.

2. Disability benefit: When the insured becomes disabled due to the risk of accidental injury, the insurance company will pay disability insurance benefits according to the degree of disability.

3. Medical payment: The medical expenses incurred by the insured due to the risk of accident shall be paid by the insurance company according to the actual situation, and the medical benefit shall be subject to a specified limit.

4. Suspension of work payment: If the insured temporarily loses his or her ability to work due to accidental injury, the insurance company will pay the suspension insurance money.

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Personal accident insurance, that is, personal accident insurance, refers to an insurance that pays a certain amount of insurance money to the insured or beneficiary in accordance with the agreement between the two parties due to the death or disability of the insured due to an accident, medical expenses or temporary loss of working capacity due to an accident within the agreed insurance period. The benefits are divided into death benefits, disability benefits, medical benefits and suspension benefits.

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The so-called accidental injury refers to an objective event in which the insured's body is seriously traumatized due to unintentional, external and unpredictable causes. If a person drowns while swimming, it should be an accident; Death from a heart attack in the water is not an accidental injury because it is caused by a disease that already exists in the body. It is generally characterized by low payment and high protection.

PICC Life Insurance, PICC Assets, CCX Trust, PICC Health, PICC Pension, PICC Investment Holdings, PICC Capital, PICC Reinsurance, PICC Hong Kong, PICC Financial Services.

Chinese People's Insurance financial products cover a variety of insurance and insurance-related industries, and its insurance design covers: property insurance, life insurance, health insurance, pension insurance, accident insurance, family insurance, baggage insurance and enterprise insurance. Different products are different in design, and there are also great differences in guarantee functions.

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The insurance contract is an agreement between the policyholder and the insurance company to stipulate the relationship of insurance rights and obligations, and the consumer cannot regard the promotional materials of the insurance product presented by the salesperson or his oral commitment as the insurance contract. When purchasing insurance, the salesperson should be required to provide the contract terms of the relevant insurance products, read the contract text carefully, and pay attention to the insurance liability, liability exemption, deductible, application for compensation procedures, surrender regulations, expense deduction, insurance period, suspension and restoration of contract validity, interpretation of terms, etc., beware of misleading sales, so as to protect their legitimate rights and interests.

Several of these important insurance terms are defined below:

01 Insurance Liability.

The scope of insurance protection provided by the insurance company to the insured as agreed in the insurance contract.

02Exemption from liability.

If the insurance contract is agreed, the insurance company shall not assume or limit the scope of liability.

03 Insurance Period.

Also known as the insurance period, it refers to the starting and ending period of the insurance liability. During this period, the insurance company is liable to pay insurance compensation for the insured event that occurs.

04 Deductible.

If the insurance company is not liable for compensation, the insured shall bear the amount of losses as agreed in the insurance contract.

05Payment Period.

The time period for payment of premiums as agreed in the insurance contract.

06 Amount insured.

The maximum amount of liability that an insurance company can bear for compensation or payment of insurance benefits.