I personally have multiple accident insurance plans at the same time, and I enjoy several compensati

Accident insurance can be insured up to three copies, so you can enjoy three indemnities. Personal accident insurance can be re-insured. Personal accident insurance refers to the compensation paid by the insurance company when the insured is disabled or dies due to an accident.

After taking out multiple accident insurances, if you unfortunately suffer accidental disability or death, you can apply for multiple compensation by providing accident certificates, disability (death) certificates, inspection reports and other materials.

However, accident insurance is divided into two parts: one is accidental death, disability and burns, which is the insurance liability of the main insurance, which can be purchased and claimed repeatedly; The other part is the supplementary insurance accidental medical treatment, which is the medical expenses caused by the accident and can be reimbursed. This part cannot be claimed repeatedly, and the reimbursement amount cannot exceed the insured's expenses.

Article 56 The policyholder of duplicate insurance shall notify the insurers of the relevant circumstances of the duplicate insurance.

In the case of duplicate insurance, the sum of the insurance benefits indemnified by each insurer shall not exceed the insured value. Unless otherwise agreed in the contract, each insurer shall be liable for compensation of insurance money in accordance with the proportion of its insured amount to the sum of the insured amount.

The policyholder of duplicate insurance may request each insurer to refund the insurance premium in proportion to the sum insured amount exceeding the insured value.

Duplicate insurance refers to insurance in which the policyholder enters into an insurance contract with two or more insurers for the same insurance subject, the same insurance interest, and the same insured event, and the sum insured amount exceeds the insured value.

There are two main types of accident insurance that we usually talk about: accidental injury.

Injury and accident medical treatment.

Accident insurance is based on a fixed amount of compensation based on the insured amount if the insured suffers death or disability due to an accidental injury.

Accidental medical insurance is to compensate for the relevant medical expenses in accordance with the insurance contract when you are injured by an accident and incur corresponding medical expenses.

As can be seen from the above, the two types of insurance cover different items, the former is death or disability, and the latter is medical expenses.

Human life is priceless, therefore, the former is compensated according to the amount of insurance (in layman's terms, it is how much is insured, for example, 200,000 yuan of insurance will be compensated for 200,000), and several families will be compensated for a few insurance.

The latter is reimbursed based on your medical expenses, regardless of the number of insurance companies, and the cumulative compensation does not exceed your medical expenses.

Therefore, it is possible to purchase two or more copies of accident insurance.

However, it should be noted that insurance companies are underwritten, and it is not as much as you want to buy, depending on your occupation, income, health status and other factors. For example, if I am just an ordinary salaryman, and I ask for 100 million yuan of accident insurance, then the insurance company will not be able to agree, maybe only agree to me to buy 350,000 accident insurance.

Hello! Accident insurance can be insured in two or more copies, but it should be noted that after the accident insurance, multiple insurances can be repeatedly claimed; Accident medical insurance, on the other hand, follows the principle of compensation when paying, which means that the insurance benefits paid by multiple premiums will not exceed the actual medical expenses.

It is recommended that you choose to purchase accident insurance to do enough protection at one time, or you can choose to apply for multiple copies, and the amount of accidental injury medical insurance should be reasonably set according to your own situation to avoid waste of resources.

OK! If one company doesn't allow it, you can choose two companies.

1.If there are two accidental medical claims, they are both reimbursement insurance, so after one of the accidental medical insurance is reimbursed, the other accidental medical insurance can only reimburse the part that has not been reimbursed by the previous accidental medical insurance, and the combined reimbursement of the two expenses shall not exceed the actual medical expenses incurred by the insured;

2.For example, if the insured dies accidentally, two accidental death insurance benefits can be claimed, but there are restrictions on the death insurance benefits for minors, that is, under the age of 10 shall not exceed 200,000 yuan, and from the age of 10 to 17 years old, it shall not exceed 500,000 yuan;

There is no conflict in buying two copies of accident insurance, because accident insurance can be bought by one person, and it can be claimed by multiple claims, as long as the claim conditions are met. However, you need to note that different accident insurance products may have different coverage. Suppose a person has purchased two accident insurances, and an accident occurs during the insurance period, if it is not covered by insurance B, but only covered by insurance A, then the claim can only be made through insurance A, and there is no way to make a claim through insurance B.

However, if you meet the coverage of both A and B insurances, you can get the compensation of both A and B insurances at the same time. And you need to note that if the two accident insurance products purchased are accident insurance, then because this type of insurance is paid according to the insured amount, you can make repeated claims; However, if the two accident insurance products purchased are accident medical insurance, then even if both insurance plans can be reimbursed, the total reimbursement cannot exceed the actual medical expenses.

Accident insurance is not just a one-time claim, after all, accident insurance contains many protection responsibilities. For example, if the insured person needs to pay medical expenses due to an accident during the insurance period, the insurance company will pay the medical insurance benefits according to the contract and the actual medical expenses. However, as long as the maximum sum insured has not been reached, the policy is still valid.

You and a friend have two bottles of accident insurance alone, of course. Each is its own insurance, that is, there is no conflict.

One person can also buy multiple copies. He is based on yours. The cost of accident insurance to accompany you is that some of you buy multiple insurances in different insurance companies, and you can also buy multiple personal accident insurance in the same insurance company.

It is for you to be allotted according to your portion.

It is useful for an individual to have multiple casualty insurance, and generally speaking, a person can purchase up to three personal accident insurance, which is what the insurance company will define. However, there is no limit to the amount of personal accident insurance you can buy from different insurance companies, which means that you are free to buy whatever you want, if you can afford it.

However, if the coverage is the same, I don't think there is any need to buy the same insurance, you can buy multi-dimensional accident insurance according to your needs, of course, the cost of insuring multiple accident insurance will be very high, so don't buy blindly.

1. How to make a claim for accident insurance?

In the case of accident insurance, it is paid in multiple duplicate payments. For example, if you buy accident insurance A in company A and accident insurance B in company B, if you die during the validity period of the contract, your family can bring the insurance policy and other supporting materials to go to companies A and B to receive compensation one after another, which is not a conflict.

However, when applying for multi-person accident insurance, it is necessary to clarify the provisions on claims in the insurance regulations. Some claims can be double-settled, while others cannot be double-settled, and attention should be taken into account.

In the specific payment link, although various insurance policies are independent of each other, there are also certain regulations. For example, some accident insurance products, it is stated in the insurance liability that the amount of compensation received after accidental disability is the proportion of the payment corresponding to the amount of insurance agreed in the contract multiplied by the level of disability, so the specific amount of compensation for each accident insurance depends on the level of disability.

Legal Consultation: Netizen: What is the scope of accident insurance claims?

Lawyer: Accident insurance provides coverage for claims: accidental disability of the insured, death of the insured, etc.

During the insurance period, if the insured suffers an accidental injury and the accidental injury causes his death or disability, the insurance company shall pay the insurance money according to the insurance contract, and the sum of the insurance benefits paid shall not exceed the insured amount.