How many types of insurance are there, and what is the compensation for how much death must be compe

There are many types of insurance, including critical illness insurance, medical insurance, accident insurance, annuity insurance, life insurance, comprehensive insurance, ......and so on

Generally, products such as life insurance and endowment insurance do not limit the cause of death of the insured, and generally the insured will be compensated in the event of death.

If you don't know much about both insurance, you can see here: about both insurance, the salesman will definitely not tell you!

However, it should be noted that the unrestricted cause of death here refers to unintended illness.

However, if the insured person dies due to reasons specified in the exclusion clause, the insurance company will not pay the compensation.

Basically, every insurance plan will have an exclusion clause.

The exclusion clause refers to the clause that the insurance company is exempt from bearing the risk and does not need to make a claim in the event of an accident.

To put it simply, the insurance company has set up several clauses, and if the insured is insured because of such circumstances, the insurance company can refuse to bear the liability for the claim.

For those who don't know much about the exclusion clause, you can see here: What is the exclusion clause of the insurance and how to look at it? If you don't understand, you'll suffer a big loss!

Therefore, if the insured dies due to the reasons in the exclusion clause, the insurance company can not be liable for the claim.

However, within a reasonable range, life insurance and endowment insurance generally do not limit the cause of death of the insured, whether it is an accident or death from illness, the insurance company will pay.

There are too many specific types. However, most countries are divided into four categories: property insurance, life insurance, liability insurance and credit insurance according to the object of business protection.

Life insurance is a type of insurance that takes the human body as the subject of insurance. There are mainly personal accident insurance, sickness insurance (also known as health insurance), life insurance (divided into death insurance, survival insurance and both).

Death insurance (life insurance) and both-life insurance are both covered by death insurance and death from accident or illness. However, if the beneficiary intentionally causes the death, disability or illness of the insured, the insurer shall not be liable to pay the insurance money. If the policyholder has paid the insurance premium for more than two years, the insurer shall, in accordance with the contract, refund the cash value of the insurance policy to the other beneficiaries who enjoy the rights.

What is more in line with the subject's requirements is life insurance.

Regardless of whether the insured dies due to illness, accidental death, or natural cause, as long as the relevant claim conditions are met and the exclusion clause is not touched, the insurance company will definitely pay a death benefit to the beneficiary.

Life insurance is paid when you die. Life insurance itself is based on the life of the insured as the subject matter of insurance, so it is natural that the death insurance benefit will be paid according to the provisions of the contract after the death of the insured.

Life insurance mainly covers the following aspects:

1. Term life;

2. Whole life, insurance is a kind of irregular death insurance, which is simply called "whole life insurance."

3. Survival insurance means that the insured must survive until the expiration of the insurance period specified in the policy before he can receive the insurance money;

4. Life and death insurance;

5. Endowment insurance.

It is a combination of survival insurance and death insurance, which is a special form of life and death insurance;

6. Catastrophe protection, catastrophe has become a major hidden danger to personal safety, and disaster protection has also become a new focus of life insurance.

Life insurance plays a great role in resisting debt risk, so it is very necessary to buy it. For example, a user with a housing loan or car loan has purchased a term life insurance.

Life insurance, on the other hand, is based on death or total disability.

In general, yes. Life insurance is mainly to protect against death, and when the insured dies, the insurance company pays a sum of insurance money to the beneficiary. However, most of the life insurance policies on the market also provide total disability protection, and when the insured person is completely disabled, he can also receive a compensation.

Life insurance, which is mainly divided into term life insurance and whole life insurance.

Term life insurance is guaranteed for one year or until one year old, when the insured dies and becomes completely disabled during the protection period, the insurance benefits will be paid if the conditions are met, and the contract will be terminated if there is no insurance at the end of the period. Whole life insurance, on the other hand, provides a lifetime of protection, regardless of whether the insured dies at an early age or dies naturally in later years, you can receive a lump sum of compensation. Whole life insurance premiums are higher, but there is a high degree of certainty of payouts.

Under normal circumstances, after the death or total disability of the insured, as long as the claim conditions are met, the claim can be made blindly. If the insurance company does not make a claim, it may be that the claim information is incomplete. If the claim information is incomplete, then the insurance company will ask you to supplement the information and verify it after it is complete.

Life insurance generally requires the applicant's ID card, insurance contract, death certificate, total disability certificate and other relevant certificates of insurance accidents. If you want to know the claim information of other insurances, you can read this article: What are the general claim materials?

Details determine the success or failure of a claim!

If the claim information is complete and the insurance company still does not make the claim, then there may be an exemption clause involved. The common exemption clauses include suicide within 2 years, murder of the insured by the insured, drunk driving of the insured, etc., depending on the terms of the insurance product. If it involves an exclusion clause, the insurance company will not pay the claim.

Therefore, the fewer exemptions, the better. For the exclusion clause, if you want to know more about it, please see this article: What is the exclusion clause of insurance and how to look at it?

If you don't understand, you'll suffer a big loss!

Life insurance is generally paid upon death, because life insurance is an insurance with the life and death of the insured as the subject of insurance, and its protection is mainly a false match for death protection.

However, it should be noted that if the insurance is due to non-accidental injury during the waiting period, or the insurance situation is the same as the situation agreed on the exemption clause, the insurance company can also not make a claim.

So what is the difference between common term life insurance and whole life insurance? If you are interested, you can see: What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

The main types of insurance for death benefits are accident insurance.

Sickness insurance and life insurance.

1. Accident insurance: During the insurance period, if the insured dies due to an accident, the insurance company will pay the insurance money.

2. Sickness insurance: Only sickness insurance with death liability can pay for death.

3. Life insurance: Death insurance and both-insurance in life insurance, except for the circumstances specified in the exclusion clause, the insured can be compensated for accident or death from illness.

Extended Information: How to Buy Accident Insurance:

There are many options for purchasing accident insurance.

1. Offline channels: You can choose the right insurance purchase through the offline outlets of the insurance company and the ** person of the insurance company.

The policyholder can choose according to their needs, and fill in the information according to the operation guide to purchase.

3. Third-party insurance sales platforms: such as Ant Insurance in Alipay, WeInsurance in WeChat, the online platform of insurance brokerage companies, or the brokers who contact insurance brokerage companies online, fill in the information as required to successfully purchase.

The protection content of accident insurance is mainly for death and disability caused by accidents, and also includes the reimbursement of medical expenses caused by accidents.

and medical insurance is lower, the insured age coverage is wider, and even the 70-year-old can buy accident insurance. It's just that accident insurance has occupational categories.

For high-risk occupations, it is necessary to pay attention to the accident insurance, because most of the accident insurance covers categories 1-4, and 5 and 6 occupations can be insured for accident insurance for exclusive high-risk occupations.

How does accident insurance pay:

Accident insurance can generally be paid in the following ways:

1.After the occurrence of an insured accident, the insured beneficiary also needs to notify the insurance company in time to report the case;

2.According to the requirements of the insurance company, it is necessary to prepare the claim or reimbursement materials, such as the reimbursement of accidental medical expenses, and generally need to prepare the ID card of the insured.

Bank cards, outpatient medical records.

Outpatient invoices, disease diagnosis certificates, total invoices for hospitalization expenses, general list of hospitalization expenses, medical insurance statements, discharge records, accident certificates, etc.; Accidental death claims generally require the preparation of a cremation certificate, a certificate of household registration closure by the public security organ, and a medical death certificate issued by the hospital.

Some insurers simplify the claims process by requiring only two of them); Accidental disability requires the preparation of a disability assessment.

tables, etc.; 3.Submit claims or reimbursement materials to the insurance company;

4.If the insurance company approves the application, the claim can be transferred to the bank account designated by the beneficiary of the insured. If the review fails, a notice of rejection will also be issued to explain the reasons for the rejection.

Accident insurance that pays out as long as you die has accident insurance.

Sickness insurance and life insurance.

Accident insurance, during the insurance period, if the insured dies due to a pure accident, the insurance company pays the insurance money. Sickness insurance, only sickness insurance with death liability can pay for death. Life insurance, death insurance in life insurance, and both.

Except as provided in the exclusion clause, the insured will be compensated for accident or death due to illness. Sickness insurance is an insurance in which the insurer bears the responsibility of paying insurance benefits in accordance with the provisions of the insurance contract for the loss of income and expenses caused by illness or childbirth, or death or disability caused by illness or childbirth.

The process of managing the compensation of accident insurance is as follows:

1. Report to the insurance company in time after an accident;

2. Submit relevant information according to the requirements of the insurance company;

3. Wait for the insurance company's review;

4. If the review is passed, the insurance company will make the payment within 5 to 10 working days.

Whole life insurance, term life insurance can be used, as long as the person dies, it will be compensated, no matter how he dies (except for suicide within two years). Under this general consultation, it is good to determine which type of insurance to buy according to the ability to pay. Accident insurance is also available.

This kind of is usually very cheap, and generally a few hundred yuan of premium can be insured for more than 100,000 or 200,000 yuan. However, it belongs to consumer insurance, that is, it pays money every year, and provides protection after paying the money, and does not provide protection if the money is not paid, and there is no return, etc., which are the main types of insurance of major insurance companies, and they are not much different.

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

Accidental death insurance means that within the insurance period, if the insured person dies due to an accident, the insurance company will provide a certain amount of protection to the insured person in accordance with relevant regulations. The meaning of accidental death is that the insured person's death accident caused by an accidental, violent event can provide accidental injury insurance to Ping An Insurance Company. In this way, the personal safety of the insured is guaranteed, and it is more convenient for everyone to know about the accidental death insurance inquiry.

You only need to log in to the official website of Ping An Insurance and enter the relevant information to see the accidental death insurance compensation information. There is no need to go to the insurance company to understand, you can easily inquire on the Internet, saving time and effort.

Accidental death insurance benefits must be determined to be an injury from an outside source. Death due to illness is not covered by accident insurance. Many people feel that illness is an accident, and the occurrence of illness is also accidental.

It is also not the intention of the insured person, but the accidental death occurs for more physical reasons, so it is not covered by the accidental death insurance. The second reason is that the insured person has suffered severe injuries, which only cause accidents such as dysfunction and disability, the third is obviously because of the death that occurs within the policy, and the insurance company needs to be liable, and finally the cause of death is because of sudden injury, which means that in the shortest time, an accident occurred.

Everyone has a relevant understanding of the inquiries and determinations related to accidental death insurance claims, so what are the characteristics of accidental death insurance claims? First, the claim time for accidental death insurance is short, and second, the accidental injury insurance is generally negotiated after the anti-dumping agreement, and the insurance amount is also agreed. After the payment, the policy will take effect, and the general public can apply for insurance as long as the insured has the ability to pay.

Thirdly, accidental death insurance is very simple, as long as the insurance company is based on the relevant information provided by the insured, it can be insured. Finally, the ** of insurance, the ** of accidental death insurance is relatively low, but the corresponding protection is very high. As you should know, the amount of accidental death insurance benefits will not be refunded even if you don't have an accident.

Although the word death is a very sensitive word for many people. But we also need to be optimistic. After understanding what accidental death is, choosing to buy such an insurance for yourself is the best protection for your children and family.

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