Is the traffic accident insurance all covered, and what can it cover?

Compared with traditional traffic insurance, traffic accident insurance covers planes, trains, ships, cars, subways and other means of transportation, and some products even stipulate that the insured can also be compensated for accidents such as buses and taxis.

In real life, people are at greater risk of traffic accidents. In order to give you more protection, it is recommended that you purchase a suitable traffic accident insurance in time. What is included in Ping An traffic accident insurance?

Ping An Traffic Accident Insurance provides comprehensive coverage for accidental death and accidental disability while taking planes, trains (including subways, light rails), ships, automobiles (including buses and taxis) and other means of transportation as passengers. Here are a few things you need to pay attention to before taking out traffic accident 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 to choose freely online. For office workers, policyholders can choose to insure according to their own needs.

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

Purchase appropriate traffic accident insurance, and Ping An traffic accident insurance is preferred. As the largest insurance e-commerce platform in China, you are welcome to come and buy. "Carriage with Me" Traffic Accident Advance Protection Plan Benefits:

60,000 yuan for general accidental death insurance, 120,000 yuan for self-driving traffic accidents, 5,000 yuan for accident medical insurance, and 120,000 yuan for accidental third-degree burns; *914 network hospitals across the country have launched accidental hospitalization deposit advances, reducing the huge financial burden on your family when you are hospitalized, as low as 190 yuan.

Prevention is better than **, if you are worried about traffic accidents, you must first obey the traffic rules. However, sometimes the risk is unpreventable, and if an accident does occur, 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 colleagues, 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.

From the perspective of accident insurance, personal accident insurance includes personal traffic accident insurance and personal accident insurance, personal traffic accident insurance, as the name suggests, is responsible for traffic accidents, personal personal accident insurance, is responsible for all threats to personal safety, traffic accidents are naturally included, that is to say, personal personal accident insurance protection items include personal traffic accident insurance, and its protection items are more than these.

Usually, most of the accident insurance in people's mouths refers to personal accident insurance, it can also be said to be an accident medical insurance, it is also different from traffic accident insurance in terms of protection items, personal personal accident insurance has great advantages. Personal accident insurance covers not only accidental death or disability, but also accidental medical treatment caused by accidental injury. In the case of traffic accident insurance, it covers accidental death or disability caused by the four major public transportation.

For example, the one-year comprehensive accident insurance can also enjoy the superimposed protection for accidents caused by vehicles, if the insured purchases accidental death and disability of transportation, he can enjoy the comprehensive accidental death and disability and accidental disability of the transportation disaster at the same time. In addition, personal accident insurance will also have accidental hospitalization allowance and ambulance expenses to pay, but personal traffic accident insurance will not be available.

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

Summary. Hello, it is a pleasure to serve you. Traffic accident insurance protection measuresTraffic accident insurance is mainly divided into three types according to the different coverage areas: self-driving accident insurance, public transportation accident insurance, and aviation accident insurance.

Hello, it is a pleasure to serve you. Traffic accident insurance protection measuresTraffic accident insurance is mainly divided into three types according to the different coverage scope: self-driving accident insurance, public transfer of public transportation accident insurance, and flight return to Jingkong and Tan Wai insurance.

Self-driving accident insuranceSelf-driving accident insurance covers accidents that occur while driving or riding in a private car.

Public Transport Accident InsurancePublic Lighting Accident Insurance covers accidents that occur when we take public transportation such as buses, trains (including high-speed rail demolition and bullet trains), and ships as passengers.

Aviation Accident InsuranceAviation accident insurance covers accidents that occur during the flight.