When to buy accident insurance? Is there a waiting period for accident insurance?

There is no waiting period for accident insurance, health insurance is available, and accident insurance can be bought at any time, general accident insurance is insured on the same day, and it can take effect at 0 o'clock the next morning, I last insured the short-term comprehensive accident insurance on Ping An Good Life Insurance** only looked at the protection plan and the service felt good to be insured, but I didn't care about the effective time, and then it took effect in advance, but fortunately I found it early and voted again, so you must pay attention to this problem when you apply for insurance.

When you think of buying it, buy it quickly, because we can never know which comes first, tomorrow or the accident, and the unexpected doesn't happen until we're ready.

Accident insurance generally has no waiting period, but some accident insurance will have an effective period, that is, you buy it today, you can't use it, it generally has to start at 0:00 tomorrow to take effect, or N days after 0:00 to take effect, you need to see the specific product regulations when purchasing.

There is generally no waiting period after the accident insurance takes effect, some accident insurance is insured today and will take effect tomorrow at 0:00, and some are insured today and will take effect a few days later. At the same time, the waiting period for different products is different, which is subject to product requirements. Generally speaking, the waiting period for critical illness insurance is 90 or 180 days, 30 days or 90 days for inpatient medical treatment, and 30 days for hospitalization allowance, while there is generally no waiting period after accidental medical treatment takes effect.

The waiting period for commercial insurance, also known as the observation period or exemption period, refers to the period within which the insurance contract is in effect, even if an insured event occurs, the beneficiary cannot receive insurance compensation, and this period is called the waiting period. The waiting period is to prevent the policyholder from taking out insurance immediately knowing that an insured event is about to occur. Generally, health insurance has a waiting period.

The waiting period is generally calculated from the effective date of the contract or the date of reinstatement, and only applies to the first year of insurance, and there is no longer a waiting period for the renewal year for renewable policies.

If the insurance starts on January 1 and the waiting period is 90 days, that is, from January 1 to March 31, the insurance company will not be liable for the insured accidents that occur during this period, and will assume the insurance liability from April 1.

Test your anti-risk index, experts will interpret it for you for free!

Accident insurance is a type of life insurance that covers the disability or death of the insured person due to accidental injury, and the insurance company pays according to the terms of the insurance contract.

The renewal of accident insurance is not as strict as that of health insurance, as long as the insurance conditions are met, the renewal can be renewed, and there is no waiting period for renewal.

The waiting period is generally set for health insurance, and the insurance contract is terminated by the insurance company if the insurance is exempted from liability during the waiting period, and the insurance contract is terminated without the liability for claims.

There is no waiting period for child accident insurance, depending on the contract.

If the insured has an accident on the next day of insurance, the insurance company will pay the insurance money according to the contract as long as it is within the scope of liability stipulated in the contract. In order to avoid moral hazard, some accident insurance products may agree on the effective time, such as agreeing that it will take effect a few days after the insurance is purchased.

Test your anti-risk index, and experts will interpret the noisy ants for you for free!

The effective time of accident insurance is related to the effective date, and the effective time of different accident insurance is different, as follows:

1. Most of them can take effect at 0:00 on the second day of the insurance, which is equivalent to the next day's accident insurance taking effect, and the insurance company will bear the corresponding insurance liability.

2.Some accident insurance takes effect every few days, such as T 3 days, T 4 days, and these products do not take effect on the second day, but on the third and fourth days. There will be a waiting period of a few days, which means that the accident insurance is valid on the effective date, and the insurance company will assume the corresponding protection liability.

3.Some accident insurance can be specified by the policyholder, and if it takes effect after three days, it will be effective from the third day after the insurance is purchased.

4. Some accident insurance can take effect immediately, such as card accident insurance, generally as long as the insurance company receives the insurance premium, it will take effect immediately, commonly found in travel accident insurance, public transportation accident insurance, aviation accident insurance and passenger insurance, such as the purchase of tickets with accident insurance, according to the travel time on the ticket is determined.

Hello, I will come to you for this question. Accident insurance usually has no waiting period. And most accident insurance products take effect the day after they are insured.

In other words, if the insured has an accident on the next day of insurance, as long as it is within the scope of liability stipulated in the contract, the insurance company will pay the insurance money according to the contract. Of course, in order to avoid moral hazard, some accident insurance products may agree on an effective time, such as agreeing that it will take effect a few days after the insurance is purchased. When applying for insurance, you need to pay close attention to the terms of the insurance and figure out the specific effective time of the accident insurance.

Although there is basically no waiting period for accident insurance, many other types of insurance have waiting periods, such as critical illness insurance, medical insurance, etc. The waiting period ranges from 30 days to 180 days and 360 days. If you are applying for these insurance products with a waiting period, it should be noted that during the waiting period, unless it is an accident, otherwise, the insurance company will not bear the insurance liability if the insured has an accident.

Accident insurance is a life insurance that uses the death or disability of the insured caused by accidental injury events as the condition for paying insurance benefits, due to the general improvement of people's awareness of accident risk prevention, and the relatively low premium of accident insurance, making accident insurance one of the most insured types of insurance by consumers. However, due to the insufficient understanding of the types of insurance, many people are prone to fall into cognitive misunderstandings when applying for accident insurance. Here are some myths to be aware of:

Myth 1: Accident insurance is only for consumption.

People have the impression that the insurance period of accident insurance is mostly one year or less, and there is no hesitation period. But now there are individual companies that have begun to have long-term accident insurance, such as Hongyun accompanying is to pay 10 can be guaranteed to 20 years of accident insurance, and the return of income will be brought at maturity.

Myth 2: All accidents can be compensated.

Accident insurance is only responsible for accidents within the scope of the policy, and it is important to read the insurance contract clearly when choosing. Some situations are not accidents, and intentional acts such as suicide or self-injury, whether directly or indirectly, are not accidents. The key is to look at the cause of the injury, the cause is due to an accident, and the result of the injury comic chain is an accident, although the result is an accident, and the cause is not an accident, it is generally not considered to be an accidental injury.

In addition, many accident insurance only covers death or total disability, not all disabilities from 1 to 10.

Myth 3: The higher the sum insured, the higher the payout.

In the traditional concept, the higher the amount of insurance, the better, but this is not necessarily the case. For example, there is a limit to the amount of death insurance for accident insurance for minors. Minors do not have the ability to work and have no wage income, so the death insurance amount of minors is determined according to a person's basic living standard for 10 years, and the death insurance amount of children in most areas does not exceed 50,000 yuan.

Therefore, when parents choose accident insurance for their children, they should pay attention to the limit of the death insurance amount, and the part exceeding the insurance amount is invalid.

Myth 4: Accident insurance has nothing to do with occupation.

Unlike life insurance, the rate of accident insurance has little correlation with the age of the insured, and the standard of the proposed rate is not based on the age of the insured but on his or her occupational category, and the higher the occupational hazard, the higher the insurance rate. Therefore, experts remind that the description of the occupational category when applying for accident insurance should not be sloppy, it is not only related to the level of premium, but also may be related to the subsequent claim. In addition, when the position changes, you should take the initiative to inform the insurance company, go through the corresponding career change procedures, and then the insurance company will make a decision on whether to refuse insurance, increase the fee or remain unchanged.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The waiting period for accident insurance, also known as the observation period or exemption period for accident insurance, refers to the period during which the life insurance contract is in effect, even if an accident occurs, the beneficiary cannot receive insurance compensation, and this period is called the waiting period for accidental injury.

There is no waiting period for general accident insurance, and if there are no special regulations, the accident insurance can take effect on the second day after the insurance is purchased, which means that the insurance company will pay compensation if the accident occurs from the day after purchasing the insurance. Some accident insurance will stipulate the effective time, such as three days later, etc., depending on the terms and conditions.