Is it suitable to buy personal accident insurance online?

In life, it is impossible not to have accidents, and once an accident happens, it will bring great economic losses to people. In this regard, it is recommended that you take out a suitable personal accident insurance in a timely manner. Is it suitable to buy personal accident insurance online?

At present, many insurance companies put their products online to buy, including personal accident insurance, online purchase of personal accident insurance is a good choice, but you need to buy personal accident insurance on a formal insurance platform. Purchasing through Huize.com can not only get a 15% discount**, but also get a complete claim service. Here are a few things you need to pay attention to before you apply for insurance:

1. Pay attention to the scope of protection and the amount insured. The coverage of each product is different, and the amount of each coverage is also different.

2. Choose according to your actual needs. Only by comparing carefully can you find the most suitable product for yourself.

3. You can choose freely online according to your own needs.

4. Insurance period: It is more cost-effective to choose "annual package". For accident insurance with flexible insurance periods, it is actually the most cost-effective to choose the longest period of 12 months, and the average daily premium is the cheapest.

To buy personal accident insurance online, you need to choose a formal insurance platform, and here we recommend Huize.com. Huize is a professional insurance platform that provides personal accident insurance, which can bring you comprehensive insurance protection. Auspicious Year Comprehensive Accident Insurance Coverage:

Accidental injury of 100,000 yuan * Passenger transportation passenger accidental injury aircraft 400,000 yuan * Accidental medical insurance benefits, including accidental hospitalization allowance as low as: 100 yuan Auspicious Life Annual Comprehensive Protection Plan Coverage content: * Accidental death disability insurance benefit of 200,000 yuan * Accidental injury medical treatment of 20,000 yuan (100 yuan deductible, 80% compensation) * additional aircraft accidental injury 600,000 yuan, etc.

Traffic accident benefit with ordinary accident accumulation is as low as $234.

Accident insurance, that is, accident insurance, accident insurance mainly covers three parts: accidental medical treatment, accidental disability and accidental death. When choosing accident insurance, it is good to pay attention to these three points: occupational requirements, accidental medical treatment and insurance instructions.

Below, we will talk about three precautions for purchasing accident insurance in detail:

1. Occupational requirements.

Accident insurance does not have a health notice, but the requirements for occupation are strict. Because of different occupations, the probability of accidents is different. If the occupation is more dangerous, the premium will be higher, or even not covered outright.

When buying accident insurance, be sure not to fill in your occupation casually. If you accidentally make a mistake, it will not only affect the premium, but also may cause a claim dispute in case of insurance.

2. Pay attention to the accidental medical part.

Compared with accidental disability and accidental death, the probability of accidental medical insurance is relatively large, and we can focus on it.

How is accidental medical treatment reimbursed?

Generally speaking, accidental medical treatment can reimburse outpatient and inpatient expenses, and there are two types of reimbursement coverage:

Within the scope of social security, it is only reimbursed for the expenses in the social security catalog;

There is no limit to the scope of social security, that is, expenses inside and outside the social security directory can be reimbursed.

3. Pay attention to the insurance instructions.

The insurance instructions are some requirements or restrictions put forward by the insurance company, such as some accident insurance has a limit on the income of the policyholder, requiring an annual income of not less than 100,000; In other words, the cumulative amount of insurance purchased is too high to be purchased, etc. Everyone must read the insurance instructions clearly.

At the same time, we also need to pay attention to the specific content of protection, such as some accident insurance must be completely disabled to pay, and some are based on the level of disability, etc., these are the details of our claim, and if you don't pay attention, you may step on the pit. In order to let everyone take fewer detours and step on fewer pits, I have specially sorted out this accident insurance pit prevention book, click here to view: What are the pits of accident insurance?

Don't step on these big pits! Otherwise, you will suffer a big loss!

Accidental injury refers to unexpected injury, which is defenseless, so it is very necessary to buy an accident insurance, how to buy accident insurance? Recommend reading this article; Is Personal Accident Insurance Expensive? What do you think about the terms? 》

Hello! I would like to inquire about how to buy accident insurance? Because of frequent business trips.

2. The main text, indicating the subject, quantity, quality, price, time limit, place and method of performance, liability for breach of contract, and dispute resolution method. 3. At the end, indicate the signature column of the parties to the contract, the list of attachments, etc.

2. You can contact a qualified individual **person to purchase: the consumer fills in the insurance policy, purchases insurance through the individual**, and the insurance company issues an insurance certificate after collecting the insurance premium, and the insurance takes effect.

Accidental injury refers to an objective event that causes physical injury to an external, sudden, unintentional, or non-diseased condition. Accident insurance, on the other hand, refers to life insurance that takes death or disability caused by accidental injury as a condition for the payment of insurance benefits. Users can purchase through a qualified ** institution:

The insurance company will install the system terminal in the first institution, print the blank insurance certificate and hand it over to the first institution for safekeeping, and after the customer provides the insurance information and pays the insurance premium to the first institution, the first institution prints the insurance certificate to the consumer through the insurance company's system, and the insurance takes effect. It can also be purchased through **: the consumer completes the insurance information and payment online, and the insurance company issues an electronic insurance certificate and sends it to the customer by email or SMS, and the insurance takes effect.

Purchase through the sales center of the insurance company: the consumer provides the insurance information on the **, and when the insurance company issues the insurance certificate and delivers it to the consumer, the consumer is required to pay the insurance successfully by swiping the card, and the insurance takes effect.

The coverage of accident insurance is usually relatively simple, usually including accidental disability liability + accidental death liability + accidental medical liability.

So what accident insurance products are worth choosing? Take a look at this list of products"May Accident Insurance List, Which Company Is Better to Buy Accident Insurance?" 》

1. How to choose accident insurance?

1. Choice of sum insured

The choice of the sum insured should be combined with their own specific circumstances, for the family economic support, we should focus on the sum insured of accidental death, the sum insured of accidental death and disability should preferably cover more than 5 times the annual income, and the sum insured of almost 500,000 yuan or more can fully transfer the risk.

2. It is best to have accidental disability protection

3. It is best to have accidental medical insurance

Accident medical insurance usually has a deductible, the deductible means that the loss occurs within a certain amount, the insurance company does not pay, for the deductible, the lower, the better.

The reimbursement scope is as unlimited as possible, and the reimbursement ratio is as high as possible.

4. Pay attention to the disclaimer clause5. Pay attention to the occupation of insurance

Most accident insurance covers occupations limited to 1-3 occupations, a small number of occupations 1-6, and high-risk occupations are generally not covered.

6. Pay attention to the effective date

The effective date of accident insurance is generally effective at 0:00 the next day, but the effective date of some products is not necessarily, so you must read the effective date clearly when applying for insurance to avoid claim disputes.

Each insurance company has comprehensive accident insurance (usually for a period of 1 year) and short-term accident insurance (such as travel insurance, which only covers the few days of travel). Accident insurance is similar for any company. Accidental injury is generally defined as:

It refers to an objective event that causes physical harm to the body by suffering from external, sudden, unintentional, and non-disease. Therefore, the "accident" of sudden illness and death is not compensated. In addition, the vast majority (almost all) insurance companies do not cover injuries caused by accidents such as dangerous competitions, expeditions, stunts, etc., such as diving, rock climbing, and martial arts.

Only death (compensation for the entire sum insured) and disability (compensation according to the proportion of disability) and burns (compensation according to the proportion of burns, some insurance companies do not have this article in the terms) will be compensated, and the specific amount of compensation depends on the degree of disability, burns, and how much premium you paid when you applied for insurance, so the specific amount of compensation cannot be said. In addition, some insurance companies have additional provisions that can be paid double or more times for accidents caused by public transportation or holidays. Because accident insurance can only be compensated for death and disability, it is more valuable to choose the corresponding additional insurance, such as additional accident medical insurance, additional hospitalization income protection insurance, etc., so that you can reimburse the outpatient and emergency expenses caused by the accident or subsidize the hospitalization.

These riders are necessary because many accidents do not result in disability or death.

The most important thing in the purchase of personal accident insurance is to look at the content of the protection, and it is more important to choose the protection that suits you and the products that suit you than to pursue other factors. Here is a list of recent popular accident insurance products, you can take a look at the "April 2021 Accident Insurance List, which accident insurance is worth buying?" 》

1. Guarantee content

1.Accidental Death Liability.

This is easy to understand, the insured dies due to an accident and the agreed sum insured is paid in a lump sum within the scope of the accident insurance policy.

2.Accidental Dismemberment Liability.

If the insured is unfortunately disabled, a professional organization will determine the disability level, and the insurance company will pay compensation according to the disability level (1-10), and the final claim amount = insurance amount Disability ratio (10%-100%).

3.Accidental Medical Liability.

Generally, the accidental medical expenses of accident insurance products are in the form of reimbursement, and the reimbursement ratio of different products is different, which is not much different from the nature of general medical protection.

It is a compensatory reimbursement, and the insurance company will not pay more than the ** expense, or the deductible is designed.

2. How to choose accident insurance?

1. The sum insured is high enough.

The disability benefit of accident insurance is paid on a pro-rata basis according to the level of disability.

The financial loss caused by a high degree of disability is often very significant, so it is recommended that the sum insured be on par with life insurance and at least 1 million.

2. The insurance company's service should be good and the claim settlement should be fast.

The frequency of accident insurance is still relatively large, and people prefer to deal with companies with good services.

3. Reimbursement ratio and reimbursement scope.

There are two kinds of limited reimbursement coverage: social security and unlimited social security, unlimited social security is more beneficial to us, the reimbursement scope is wider, and at the same time, the higher the reimbursement ratio, the better, and the higher the reimbursement ratio, which means that the smaller the self-payment ratio.

4. Read the disclaimer clause clearly.

In an accident insurance contract, the exclusion clause lists the circumstances under which the insurance company will not pay.

3. Summary

Accidents are everywhere, don't leave the risk around, in general, the overall cost performance of accident insurance is good.

How to buy personal accident insurance?

See what you cover.

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.

Look at the deductible and reimbursement ratio.

Accidental death and disability liability are paid according to the level of injury, there is no deductible, and the general deductible for accidental injury medical treatment is 100 yuan, and you can choose the accident insurance of other insurance companies for reference above this standard.

Duration of insurance and hospital restrictions.

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.

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 you are a year-old consumption type, with an insurance amount of 100,000 yuan and a medical treatment amount of 10,000 yuan, you can buy it for a few dozen yuan at the cheapest.

Exclusive coverage for travel traffic accidents, covering a variety of transportation modes by sea, land and air, for accidents that occur when taking public water and land vehicles, public air vehicles, online car-hailing, driving as a driver or taking a private car or rental car, corporate official or commercial car as a passenger, you can get up to one million death or total disability benefits.

In the face of the increasingly popular online car-hailing travel mode, we provide a travel protection plan that keeps pace with the times, and if an accident occurs while taking an online car-hailing car, you can get a high amount of death or total disability protection, and travel planning is more free.