Is sudden death a must die ?

Sudden death refers to sudden death, of course, it must be dead, otherwise how can it be called sudden death?

You can understand it as a very quick death.

Hello, the insurance company's accident insurance product defines accidental injury as: "an external, sudden, and unintended objective state of affairs that is directly and knowingly isolated to cause physical injury." "The injury must be caused by an accident, which means an accident, which is external, violent, and accidental, and only if these three conditions are met at the same time can it constitute an insured accident under the contract.

The so-called "foreign" means that the injury is caused purely by the action of factors external to the insured. Such as traffic accidents, accidental overboard, lightning strikes, snake bites, gas poisoning, etc.

If the injury is caused by a self-condition, it is not an accident.

As a result, sudden death occurs as a result of the sudden onset or exacerbation of an underlying natural illness and is usually not compensated. Hope it helps.

Accidents can be understood as extrinsic factors.

Being pushed, hit by a car, falling, etc. can be regarded as accidents, that is, flying accidents.

Sudden death should be intrinsic.

Accidents in insurance refer to external, sudden, unintentional, and non-diseased objective events that cause physical injury.

Although sudden death is sudden and unintentional, it is not foreign and non-diseased.

Therefore, sudden death does not satisfy the definition of accident in insurance.

So sudden death is not an accident.

Sudden death should be a death from illness rather than an accident.

Sudden death occurs when the condition is generally healthy or has a serious organic disease but the condition is basically stable, and the sudden death is not caused by human factors. Sudden death usually occurs immediately, within hours, and usually within 6 hours. The cause of death of sudden death must be a natural disease or dysfunction, and violent death does not fall under the category of sudden death.

Generally speaking, sudden death is due to illness, so it should be a death from illness rather than an accident. As for why sudden death is not an accidental death accident insurance but can be compensated, it is because there are more and more cases of sudden death, and insurance companies have set it up in order to meet the needs of the market. If you want to buy sudden death insurance, you can first look with me at the definition of sudden death in different accident insurances, which is related to whether we can lose money.

1. Definition of sudden death

Let's take a look at the two accident insurances that define sudden death claims:

First of all, Fosun Prudential's Xingning Accident Insurance:

For sudden death, there are three conditions for Xingning Accident Insurance to be compensated, one is that it seems to be a healthy person on the surface; second, within 24 hours after the onset of symptoms; The third is non-violent. However, the final determination of sudden death should be subject to the legal documents of the judicial organs and the diagnosis certificate of the medical institution.

Let's take a look at Zhong'an's personal comprehensive accident insurance:

It seems to be a little more relaxed in its definition of disease, limited to 48 hours, and there are not so many other restrictions.

Judging from the definition of sudden death in these two products, the difficulty of sudden death claims is different for different accident insurances, and if you need to purchase sudden death insurance, you must read the terms and conditions clearly.

As far as the purchase principle of accident insurance is concerned, it is generally better to have an optional sudden death benefit, if you usually have irregular work and rest and often stay up late, then it is necessary to choose sudden death insurance.

These accident insurances include sudden death protection, and you may wish to know about it: "In 2020, the most worthwhile accident insurance is here".

2. Other precautions for purchasing accident insurance

In addition to sudden death, we also need to pay attention to these issues when purchasing accident insurance:

l Accident insurance is long-term or short-term

Accident insurance can be divided into long-term accident insurance and short-term accident insurance, and one-year accident insurance is generally recommended.

Because accident insurance is not like critical illness insurance, the premium will increase with age, no matter what age it is, it is the same**. Moreover, accident insurance products are updated quickly, and good products will continue to appear, so you can buy a one-year one.

l Different groups of people have different emphasis

Children and the elderly are concerned about accident medical treatment, while adults are concerned about the comprehensive accident sum assured.

Children have a weak sense of danger, because there is a high probability of accidents due to playfulness; The elderly are very likely to have osteoporosis and fractures because of their age, so accidental medical treatment is very important for the elderly and children.

Adults are away from home, there are all kinds of risks, and comprehensive accidents are covered with everything, which is more practical.

Knowing these precautions, it will be easier to choose the right accident insurance for you.

Hope!

Xueba said the official website of insurance

Medical definition: Sudden death is defined by the International College of Cardiology, the American Heart Association, and the World Health Organization in 1970 as unintentional death that occurs immediately after the onset of acute symptoms or within 24 hours of the situation.

At present, most scholars tend to limit the time of sudden death to 1 hour of onset. The World Health Organization (WHO) defines death within 6 hours of onset as sudden death. Features:

Death is sudden, death is unexpected, natural or non-violent death, death is unknown.

Sudden death is the meaning of urgency and speed, sudden death is the suddenness of death, unclear or not, generally due to sudden death due to disease, should not be an accidental injury.

Hello. Sudden death is only an external phenomenon, and the cause of sudden death may be a disease or an accident, so it is necessary to further analyze the cause of sudden death to say whether it is an accidental death. In the accident insurance claim, there may be a relatively large dispute, different local courts may have different adjudication rules, the key depends on who is responsible for the proof is very important, after the death occurs, it is best to have a complete set of solutions, to facilitate the future insurance claims.

It is not clearly defined that death from overwork is sudden death.

The vast majority of sudden deaths are caused by illness and are not accidents.

Accidents refer to cat-paw dog bites being hit on the head by an airplane .........

Alien non-a** sudden death should not be considered an accidental injury.

It refers to sudden death without warning.

Sudden death and accidental death are separated in the insurance policy, and the amount of compensation is different. If there is no sudden death in **, it is estimated that the insurance company will be cheating.

Is sudden death an accident? Can sudden death accident insurance be covered?

1) For accident insurance: sudden death is mostly a refusal liability.

The definition of an accident is "an extraneous, unintentional, sudden accident", and injuries caused by illness do not meet the definition of an accident. Sudden death is mostly considered to be a kind of sudden disease, so in the vast majority of accident insurance, sudden death caused by staying up late cannot be claimed.

2) For medical insurance: sudden death is very short-lived, and often does not cause medical expenses. In this case, there is no reimbursement and compensation of medical expenses, and insurance compensation will naturally not be made.

3) For critical illness insurance: only products with death liability will be compensated. In this case, depending on the critical illness product, the premium paid or the cash value of the policy, or the sum insured for the critical illness may be paid.

4) The last type of insurance is life insurance that will definitely pay out, such as term life insurance, whole life insurance, etc.

Whether it is due to illness, accident, or the sudden death caused by staying up all night as we talked about today, if you meet the terms and conditions, you can apply to the insurance company for compensation.

To sum up, if sudden death is caused by staying up late:

Life insurance will definitely pay out!

Critical illness insurance with death liability can be compensated!

Accident insurance generally does not compensate!

It can also be said that it is not hehe.

Sudden death is a death from disease, not an accident.