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Anonymous users2024-02-07Hello. Family planning family accident insurance is based on family planning families, for children aged 0-6 years old, each annual premium is 30 yuan, up to 20,000 yuan compensation, each household can be insured up to 5.
According to the regulations, couples and their children who meet the national family planning policy, and who are in good health between the ages of 1 and 65, can participate in this insurance as insured persons (among them, for continuous insurance, the maximum age of the insured can reach 70 years old).
Coverage Liability of Family Planning Family Accident Insurance.
1. If the insured dies due to the same cause within 180 days from the date of accidental injury, the death insurance benefit shall be paid according to the per capita accident insurance amount agreed in the contract (the accident insurance amount specified in the insurance policy and the number of insured persons participating in this insurance).
2. If the insured is physically disabled due to the same cause within 180 days from the date of accidental injury, the disability insurance benefit shall be paid according to the disability level determined in the "Table of Disability Degree and Insurance Payment Ratio of Life Insurance", according to the per capita accident injury insurance amount under this contract and the corresponding payment ratio of the disability.
3. If the insured has more than one physical disability due to the same accidental injury, the sum of the corresponding disability insurance benefits shall be paid. However, when different disability items belong to the same limb, the insurance company will only pay one of the disability insurance benefits; If the proportion of the disability is different, only the higher one of the disability benefits will be paid.
4. The liability for accident insurance money paid to each insured shall be limited to the per capita accident insurance amount agreed in the contract. When the one-time or cumulative payment of accident insurance benefits to each insured reaches the per capita accident insurance amount, the insurance liability for the insured shall be terminated.
Accidental Injury Hospitalization Medical Insurance Liability.
1. The medical expenses actually incurred and incurred by the insured for hospitalization and treatment in a secondary or above hospital (including secondary level) or a medical institution recognized by the insurance company (general public medical institution) due to accidental injury and within the scope of basic medical insurance payment stipulated by the local social basic medical insurance department shall be paid according to the payment ratio agreed in this contract after deducting a certain deductible each time.
2. If the insured's hospitalization** has not ended at the expiration of the insurance period, the period of payment of insurance benefits shall be calculated from the day after the expiration of the insurance period to the date of discharge, and the maximum period shall be 90 days.
3. The liability for the payment of accidental injury hospitalization medical insurance to each insured shall be limited to the amount of accidental injury medical insurance agreed in the contract, and the insurance liability for all insured persons shall be terminated when the insurance money paid to all the insured at one time or cumulatively reaches the amount of accidental injury medical insurance.
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Anonymous users2024-02-06Family Planning Family Accident Insurance.
The range includes:1Accidental Death Benefit, which provides a death benefit if the insured dies within 180 days from the date of the accident;
2.Disability protection: If the insured is disabled within 180 days from the date of the accident, the insurance company will determine the disability level according to the "Table of Disability Degree and Insurance Payment Ratio of Life Insurance", and pay the disability insurance benefits in accordance with the contract;
3.Accidental medical insurance, which requires medical treatment at a secondary hospital or above to be claimed, and there is a deductible.
Limit. Extended Materials
Family Planning Family Accident Insurance is provided by the Family Planning Association and commercial insurance.
The company cooperates with the company to launch an insurance product with the nature of benefiting the people for family planning families who meet certain conditions.
The insurance has a type of insurance that families across the country can participate in by the China Family Planning Association and suspect Chinese Life.
There are also national products such as Shenzhen Family Planning Association and Pacific Insurance.
Local products launched by Shenzhen Branch.
This product has the characteristics of stable investment, promotion and support of the Family Planning Association, and profit concessions and assistance from commercial insurance companies, so as to provide more protection with less money (lower premiums, lower insurance amounts.
higher, protect the whole family) to reduce the accident risk of family planning families and protect the life of family planning families.
The insured family can enjoy the protection of the whole family, because it is an accident insurance.
It is mainly to protect the family against accidents, and its protection for family members includes accidental death, accidental disability and accidental hospitalization. Taking the above-mentioned national products as an example, if you insure 100 yuan a year, the total amount of insurance can be as high as 10,000 yuan.
As a type of insurance specially launched by Chinese Life for family planning families, family planning family accident insurance has attracted much attention in the market, and the number of insured people has gradually increased. However, for family planning families who intend to insure the insurance, in addition to understanding the terms and other knowledge, they should also take the initiative to know about their claims. Generally speaking, the claim for this type of insurance is not complicated, and you only need to follow the steps of "reporting the case, preparing and submitting materials, and closing the case".
Basic process:1Report. After the occurrence of an insured event, the insured or beneficiary needs to call Chinese Life's customer service ** in a timely manner.
95519, so that the insurance company can quickly settle the claim, and it is generally necessary to report to the insurance company within 3 days.
2.Preparation and submission of materials. After reporting the crime, the insured or beneficiary should prepare the required documents, such as the insurance policy and the applicant's legal ID.
and submit these materials to the insurance company for review.
3.Closed. Chinese Life will make a notice of closure as soon as possible when all documents are complete, and the insured or beneficiary can collect compensation from Baozhen Insurance Company with his ID card and household registration certificate after receiving the notice.
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Anonymous users2024-02-05Summary. Hello, according to the question you asked, the claim process of family planning family accident insurance is as follows:
1.Report the accident: After the accident occurs, the insured or his beneficiary should immediately report the accident to the insurance company and provide relevant proof and information.
2.Submit a claim application: The insured or its beneficiary shall submit a claim application within the time specified by the insurance company and provide relevant certificates and materials, such as the hospital's diagnosis certificate, hospitalization receipt, drug invoice, etc.
4.Claim payment: If the claim is approved, the insurance company will follow the contract and the actual situation.
Is it insured for hospitalization in an accident accident?
Hello, according to the questions you asked, the claim process of family planning family accident insurance is as follows:1
Report the accident: After the accident occurs, the insured or his beneficiary should immediately report the accident to the insurance company and provide relevant proof and information. 2.
Submit a claim application: The insured or its beneficiary shall submit a claim application within the time specified by the insurance company and provide relevant certificates and materials, such as the hospital's diagnosis certificate, hospitalization receipt, drug invoice, etc. 3.
Claim payment: If the claim is approved, the insurance company will follow the contract and the actual situation.
Hello, according to the answer to the question you asked: accidental traffic accident hospitalization can be insured, accidental traffic accident hospitalization expenses can be covered by traffic accident insurance or medical insurance. Specifically, if you purchase accident insurance, you will generally receive the following coverage:
1. Accidental death or disability compensation: In the event of death or disability caused by a traffic accident, the insurance company will pay the corresponding compensation to the insured or its beneficiary according to the insurance contract. 2. Medical Expense Compensation:
If a traffic accident results in hospitalization** or outpatient**, the insurance company will pay the corresponding medical expenses compensation to the insured according to the insurance contract.
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