Who knows how to buy personal accident insurance What are the general requirements

We often talk in our lives that we don't know which comes first, tomorrow or the unexpected." Accident insurance can be used to transfer the risk of the unexpected. Accident insurance, as the name suggests, is to protect us from some unexpected situations.

Accidents mainly refer to accidents caused by "foreign, sudden, unintentional, and non-disease".

1. Types of accident insurance

Accident insurance includes consumer accident insurance, one-year insurance, long-term insurance, comprehensive accident, traffic accident, travel accident and return accident insurance. The more popular is the consumer-based accident insurance, because the protection content is more comprehensive and cost-effective, and it has been favored by many consumers.

2. Accident insurance coverage

There are three main aspects of accidental injury coverage: accidental death, accidental dismemberment, and accidental medical treatment.

Accidental death, very simply, means that the accident causes the death of the insured, and the entire sum insured is paid.

Accidental disability refers to physical disability caused by an accident. Disability is usually divided into 10 levels (the lowest level 10 to the highest level 1 increases), level 10 disability, 10% of the sum insured; Class 1 disability, 100% of the sum insured; Proportional extrapolation.

Accidental medical treatment, that is, the medical expenses caused by accidental injury, can be reimbursed within the compensation limit, including accidental outpatient and accidental hospitalization liability.

Daddy concluded:Accident insurance is also relatively strict for professional requirements, and if you want to buy, you should also look at the requirements of each product and whether the protection content is comprehensive, and choose carefully.

1. Insurance at the bank counter: The policyholder can go directly to the bank counter of the insurance company's service outlets to apply for personal accident insurance;

2. Insurance on the third-party insurance service platform: You can choose the personal accident insurance you need on the third-party insurance service platform for insurance;

3. **Insurance: Directly dial the official customer service of the insurance company**, and transfer to manual service to apply for insurance application procedures, but some insurance companies do not have the **insurance function.

Personal accident insurance is also known as personal safety accident insurance. It refers to the insurance in which the insured pays a certain amount of insurance premium to the insurance company, and when the insured suffers accidental injury during the insurance period and dies or becomes disabled due to direct causes, the insurance company pays a certain total amount of insurance money to the insured or beneficiary in accordance with the commitment of the insurance contract. It has the characteristics of short-term performance, coordination ability, and low insurance cost.

Accident insurance covers death benefits, disability benefits, medical treatment benefits, and suspension benefits. This article mainly writes about the relevant knowledge points of how to buy personal accident insurance, and the content is for reference only.

<> personal accident insurance is a type of insurance purchased to protect against accidental injuries, which can provide financial protection to the policyholder and their dependents. This article will introduce in detail the buyer and seller of personal accident insurance, including the types of insurance, the purchase process, and how to choose an insurance company.

1. Types of personal accident insurance.

1.Personal Accident Insurance.

Personal accident insurance is the most common type of personal accident insurance, which can protect against losses caused by accidental injuries and give financial protection to the policyholder and their families.

2.Personal Accident Death Insurance.

Personal accident death insurance means that in an accident, the insurance company will give a certain amount of compensation to the policyholder or his family members to compensate for the loss caused by the accidental death.

3.Personal accident medical insurance.

Personal accident medical insurance means that in the event of an accident, the insurance company will give the policyholder a certain amount of medical expenses to compensate for the medical expenses caused by the accidental injury.

2. The process of purchasing personal accident insurance.

1.Determine your insurance needs.

First of all, policyholders need to determine their insurance needs, including what type of insurance to buy, and how much insurance they need to buy.

2.Choose an insurance company.

Secondly, policyholders need to choose the right insurance company according to their own needs, and compare the insurance products of each insurance company in order to choose the most suitable insurance company.

3.Fill out the insurance policy.

Then, the policyholder needs to prepare the required information, fill out the application form, and upload it to the insurance company.

4.Pay your premiums.

Finally, the policyholder needs to pay the premium according to the requirements of the insurance company and complete the insurance purchase process.

3. How to choose an insurance company.

1.Understand the credibility of the insurance company.

First of all, the policyholder needs to understand the credibility of the insurance company, including the qualification, strength, and service level of the insurance company.

2.Compare insurance products.

Secondly, the policyholder needs to compare the insurance company's insurance products, including insurance costs, coverage coverage, claim methods, etc., in order to choose the most suitable insurance product.

3.Check the odds.

Finally, policyholders also need to look at the insurance company's claim ratio in order to understand the insurance company's ability to settle claims.

Buying personal accident insurance requires a number of steps, including determining insurance needs, choosing an insurance company, filling out an insurance policy and paying premiums, etc., and when choosing an insurance company, the policyholder needs to understand the credibility of the insurance company, compare insurance products, and check the claim rate in order to choose the most suitable insurance company.

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.

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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"

Accidents are a big invisible killer around us, and many people often regret it after the risk of accidents due to the lack of awareness of protection in this regard. Therefore, in order to improve our accident protection, it is best to purchase a suitable personal accident insurance for yourself in advance. How to buy personal accident insurance is the most appropriate.

It is recommended that you make a comprehensive comparison and purchase based on the accident insurance needs of the insured, the accident risk faced by the occupation, etc., and you need to pay attention to the following points before applying for insurance:

1.Pay attention to the provisions of the insurance clause on the deductible, out-of-pocket ratio and maximum reimbursement limit for medical expenses, and try to choose accident medical insurance with low deductible, large reimbursement ratio and high reimbursement limit.

2.Understand the exclusion of liability for accident insurance, the scope of coverage, the insurance conditions and the hospital you visited. Accident insurance has restrictions on the occupation of the policyholder, and high-risk occupations will be denied.

Most accident insurance products have requirements for the hospital you visit. The general requirement is a second-class hospital or above.

3.A good insurance platform is important. Provide accident insurance products from multiple insurance companies, and you can choose the most suitable accident insurance product for yourself.

If you want to protect yourself from the financial loss caused by the risk of personal accidents, it is best to purchase a suitable travel accident insurance for yourself in advance. A good platform for the protection of the jujube is very important. Provide accident insurance products from multiple insurance companies, and you can compare and choose the most suitable accident insurance product for yourself.

Lucky Life Annual Comprehensive Protection Plan covers the following contents: * Accidental Death Disability Insurance 200,000 * Accidental Injury Medical Treatment 20,000 (100 yuan deductible, 80% compensation) * Additional aircraft accidental injury 600,000 spines, etc.

Traffic accident benefit with ordinary accident accumulation benefit is as low as: $234 - Taiping Shengshi Comprehensive Accident Insurance (Diamond Plan) coverage content: * ordinary injury 200,000 * accidental medical treatment 50,000 * accidental hospitalization allowance as low as 328 yuan.

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

How to buy personal accident insurance can be judged according to the following aspects:

First, it is necessary to understand the existing insurance situation.

If we have a workplace, we should consult our company, what other protections do we have in addition to social security? How much is the sum insured? We need to have a clear understanding of our own protection, especially the insurance for accidental injury medical expense compensation, and the most important thing we care about is the proportion and amount of its reimbursement.

Because it is impossible to pay for medical expenses repeatedly, it is necessary to use the documents of the actual expenses incurred to reimburse. For all medical expenses, the more the better, but the higher the reimbursement ratio, the better.

2. Analyze according to the existing insurance amount, insurance type and actual demand.

Is the biggest risk of buying accident insurance worrying about medical expenses or hoping to leave some comfort to your family after the risk occurs? Different wind tunnel adventures will have different options. If you are a business person, you must have comprehensive coverage in your insurance.

If you are a business person who travels frequently, you should focus on the protection of transportation. If it is a high-risk industry, it is necessary to choose products with high protection in the occupational category.

3. Choose the amount of accident insurance according to your age.

For insureds of different ages, it is necessary to choose accident insurance with different sum insured. As a cost-effective protection insurance, accident insurance plays an increasingly important role in personal insurance planning. Accident insurance is usually used to increase the sum insured for accidental death or to compensate for the loss of future income due to accidental disability, while accidental medical treatment is usually used to compensate for the reimbursement of medical expenses caused by accidents.

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Group accident insurance, also known as group accident insurance, is a form of personal accident insurance that is insured in a group way, and its insurance liability and payment methods are the same as those of personal accident insurance. Group accident insurance is not just a simple employee benefit, but also a balancing act between the company and its employees. When an employee unfortunately suffers an accidental injury, especially in the event of a personal injury accident, let the group accident insurance transfer the risk to the company and provide safety for the employee, so as to achieve a balance between the two parties.

To apply for group accident insurance, in addition to the general insurance contract should be kept well, the obligation to inform truthfully, and the claim should pay attention to the complete documents, the following points should also be noted:

First, before and after applying for group insurance, it should be clearly declared to employees in an appropriate way. I often hear people say that when people are dead and crippled, what is the use of money? However, in real life, after an accident in which a person dies or is disabled, the focus of solving the problem is precisely on how much money is lost.

Therefore, it is necessary and appropriate to make it clear that this is a declaration to improve the welfare of employees, and it reflects the care and love of the management for employees.

Second, it is necessary to provide information such as the number of insured employees, occupation or type of work, the demand for the amount of insurance or the cost budget; You need to fill out an application form, provide a list of employees, and pay by cash or check;

Third, if there is a change in the number of insured employees or the type of work after the insurance, the insurance company should be notified in writing within 10 days to approve the contract for relevant matters to avoid unnecessary claims disputes caused by work negligence.

Fourth, it is necessary to clearly designate the beneficiaries. Mainly the beneficiary of the death insurance benefit. If no beneficiary is designated, the insurance benefit is divided according to the legal succession procedure.

Clearly designating beneficiaries can reduce the effort of post-processing. After applying for insurance, if you request to change the beneficiary, you should inform the insurance company in writing in time.

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