What are the unexpected risks in life, and what risks will people face in their lifetime

There are three outcomes of accident risk, corresponding to three different degrees of injury and loss: The first type: fatal injury The results it leads to: 1. Interruption of income; 2. Debt burden; Solution: Income substitution method.

In the unlikely event that one person is gone, there is a sum of money to replace the original potential income); Accidental death is a type of normal death, and if you buy life insurance, this part of the sum insured is also included in the sum insured of life insurance, or critical illness insurance.

Critical illness insurance also includes life insurance. The second type: serious injury Serious injury will lead to: 1. Temporary interruption of income; 2. Medical expenses You can cover this risk with 1 3 income compensation. The third type: minor injuries ** expenses can be used for social security.

card and health insurance card.

to pay or keep the risk for yourself. Risk retention means that if a risk occurs, I don't pass it on, I don't buy insurance, I don't ask my family, just bear it myself.

Accidents, risks and illnesses are not something that people can control, people don't predict the future, everyone expects that it won't befall them or their families, but risks don't come to you with your expectations.

What if you give up because you are afraid of risk, then your life is a failure.

A lot, for example, choosing the wrong path, there are many crossroads in life, whether you go left or right is your own choice, go the right way, life is smooth, choose the wrong one, it becomes an unexpected risk.

Physical harm not caused by a disease.

The first is personal risk, that is, the risk related to "birth, old age, sickness, death and disability" that may occur in our body. The second is property risk, that is, the risk of loss of our houses, valuables and other property. For individuals and families, property risks are mainly the risk of fire, natural disasters, theft in the house, and the risk of car accidents by the owner of the car.

The third is the risk of liability, that is, the risk that we may be liable for compensation for the loss of other people's bodies and property. Personal liability risks are mainly third-party liability insurance related to vehicles. Some professions, such as doctors and lawyers, may also need to deal with the risk of compensation due to professional negligence.

In everyone's life, there are not only unhappy experiences, but also unexpected surprises that make them happy. ......For me, the biggest surprise in my life experience is that I was able to start a family smoothly, and I was able to work and live very smoothly. ......The reason why I regard this incident as the biggest surprise in my life experience is because work and life are the most important things in life, my work and life are really smooth on the whole, and my expectations for work and life are not high, so I will be satisfied.

1. Work and life are the most important things in a person's life.

Work and life are the most important things for any person, so it's normal to pay extra attention to them. ......And how you work and live becomes your most important feeling. ......As long as his work is smooth and his life is satisfactory, it is the biggest unexpected joy in his life, and nothing else can compare with it.

2. My work and life are indeed very smooth on the whole.

In my own life experience, I have really met very smoothly in terms of work and life......After graduating from school, I successfully found a job, and this job is stable and the income is good. As for life, it was also very smooth, and every day was very happy. ......I feel very lucky to be in this state, so I think this is the biggest surprise of my life.

3. My expectations for work and life are not high, so I will be satisfied.

Although I regard a smooth work and life as the biggest surprise in my life experience, it does not mean that my work and life are perfect ......In fact, I am just engaged in an ordinary job and living a very ordinary life. But because I don't have too high expectations for work and life, I feel very satisfied, very satisfied with everything I get, so I am very content. That's why I see my work and life as the biggest surprise of my life's experiences.

Prevention is better than **, if you are worried about traffic accidents, you must first obey the traffic rules. However, sometimes the risk cannot be prevented, in case of an accident in the real world, at least the insurance can give some financial compensation.

I've put together the following list of insurance policies that can cover accidents:

Let's go straight to the conclusion:

For ordinary people, they can buy a comprehensive accident insurance first, and they can buy 1 million insurance for about 300 yuan per year.

In addition to traffic accidents, it can also cover other daily risks, such as being smashed by a falling billboard, being bitten by a pet, etc., so it is recommended that everyone should buy one.

For car owners, a car insurance is also indispensable, and the protection is relatively comprehensive, but the protection of car insurance for people is relatively insufficient.

Like many traffic accidents, it mainly involves the "on-board personnel liability insurance" in car insurance, and 90% of car insurance only has an insured amount of 10,000 yuan, which does not play a role at all. This often leads to the embarrassing phenomenon of "cars are more expensive than people"...

Many friends have already bought accident insurance, and they are struggling with whether to buy driving insurance, in fact, they can consider it from two aspects:

If your car usually only carries your family, and the whole family has sufficient comprehensive accident insurance, then it is okay not to buy driving insurance.

If you will take the same pure return to the slide to do wax things, relatives and friends, etc., it is recommended to buy a driving insurance with the car, after all, we cannot predict accidents, and buying a protection is not only responsible for yourself, but also responsible for your relatives and friends.

According to the provisions of the Insurance Law, in a personal accident insurance contract, if the accident is caused by the fault of a third party, the third party can claim compensation from the insurance company after the third party compensates. When the insured in the liability insurance causes damage to a third party, he or she shall compensate the third party for the insurance money in accordance with the provisions of the law or the contract.

Legal basis] Article 33 of the Insurance Law stipulates that the policyholder shall not insure a person with no capacity for civil conduct to insure a person with death as a condition for the payment of insurance benefits, and the insurer shall not underwrite it.

The life insurance taken out by parents for their minor children is not subject to the restrictions of the preceding paragraph. However, the total amount of insurance benefits paid due to the death of the insured shall not exceed the limit prescribed by the insurance regulatory authority. Contains denier width.

Life accident insurance should be personal accident insurance, and the full name is personal accident insurance. Personal accident insurance provides the insured with the following protections:

1) Death benefit. During the insurance coverage period, if the insured encounters an accident and dies due to the injury caused by the accident, the insurance company will pay the death insurance benefit to the beneficiary of the insurance in accordance with the insurance contract.

2) Disability benefits. During the insurance coverage period, if the insured encounters an accident and becomes disabled due to the injury caused by the accident, the insurance company will pay the disability insurance benefit to the insured in accordance with the insurance contract.

3) Medical benefits. During the insurance coverage period, if the insured encounters an accident and is injured due to the accident, the insurance company will pay the medical expenses caused by the accident to the insured in accordance with the insurance contract.

4) Stoppage payment. During the insurance coverage period, if the insured encounters an accident and is temporarily unable to work due to the injury caused by the accident, the insurance company will pay the insured the stoppage insurance benefit in accordance with the insurance contract.

When making a personal accident insurance claim, the injury suffered by the insured person must have been caused by an accident. That is, the accident encountered by the insured must be an accident that the insured himself could not think of and occurred instantaneously. At the same time, the accident must also be caused by factors other than the insured, and the insurance company will not recognize the accident caused by factors inside the insured's body.