The question of accident insurance, what does accident insurance refer to

As long as it is within the scope of social security reimbursement, no matter what the project, the accident insurance can be reimbursed. The specific reimbursement depends on the starting line and reimbursement ratio of rural medical insurance, and if the amount is not large, it will be reimbursed by accident insurance.

Rural medical insurance is a welfare policy of the state, and some of it will not be reimbursed to you.

The first problem: there are different insurance liabilities that can be attached to accident insurance. For us ordinary people, the two main personal beliefs commonly used are the compensation for accidental "death, burns and disability"; The other part is "accidental medical treatment", that is, the reimbursement of medical expenses caused by accidents.

First of all, it depends on the specific insurance responsibilities included in the accident insurance you have purchased. The question you are asking is mainly about the "accidental medical treatment" section of "accident insurance", so you should first check whether the accident insurance you have purchased includes this insurance liability. If there is such an insurance liability, the next step is to look specifically at the terms of the insurance contract.

If the contract includes such a claim, it will definitely be reimbursed. However, different insurance companies may have different treatment rates for hospitals and reimbursement ratios, depending on your insurance contract.

The second question: no protection insurance will allow us to "make money", mainly to reduce losses due to risks. Therefore, because of accidental injury, if there is a partial reimbursement in the "rural medical insurance", then the commercial insurance company must subtract the part that has already been reimbursed, and then make a claim according to the terms of the insurance contract.

On the contrary, if a part of the claim is made in the commercial insurance first, then the claim must be made according to the remaining part of the commercial insurance claim in the "rural medical insurance".

Accident insurance is a life insurance that pays out benefits based on death or disability caused by accidental injury.

Hello, I am Fude Life Insurance, accident insurance refers to aviation accidents, self-driving accidents, public transportation accidents, and so on!

Accident insurance covers medical treatment, disability, death, hospitalization, etc. caused by accidents.

Accidents are unthinkable, uncontrollable and unpredictable, and do not depend on the will of the individual.

As long as it's not your own fault! Sudden accidents, such as traffic accidents, fires, hot meals, etc.

Accident: refers to unintentional, external, unexpected, non-diseased, sudden and unavoidable accidents.

An accident is something that does not happen because of one's own circumstances, but happens suddenly and is not under control.

Except for illness and deliberateness, everything else is an accident!

Accidents are unexpected, sudden, and inevitable.

Hello not artificially caused, unexpected, suddenly.

Accidents happen because they are meant to happen.

It's not something you can control, it's artificial.

Sudden alien is the last thing you want to see.

Insurance Planning Class: What is Accident Insurance? What is included in accident insurance?

Hello! Accident insurance is a type of insurance that pays out in the event of an accidental death or injury.

Accident insurance** is also very cheap, more than 100 yuan a year, you can buy 500,000 yuan of insurance, more than 300 yuan, you can buy 1 million of the amount of insurance.

In addition to the low purchase threshold, there are three advantages of accident insurance that cannot be ignored:

1. High leverage, you can buy it for more than 100 yuan, and enjoy millions of death protection, which is incomparable to any other insurance;

2. Guarantee for disability, compared with life insurance, which can only lose money after death, accident insurance can pay a certain amount of insurance in proportion to different degrees of disability, which is a very practical function;

3. Accident insurance can also reimburse medical expenses caused by accidents;

Whether rich or poor, the risk is the same for everyone in the face of the unexpected. Therefore, Deep Blue Jun suggests that everyone can buy a suitable accident insurance according to their own situation to deal with sudden accidental injuries.

As a major contributor to family income, when choosing accident insurance, it is recommended that the sum insured for death and disability must be high under the premise of limited budget, so that in case of risk, a large sum of insurance will not be too difficult for the family.

For the elderly and children at home, accidents are basically small bumps, you can focus on the accidental medical part to see if it includes medical expenses outside social insurance.

Therefore, Deep Blue Jun suggests that everyone can buy a suitable accident insurance according to their own situation to deal with sudden accidental injuries.

Accidents refer to unexpected, unexpected unfortunate events, which were bought on the Renren insurance platform before and paid very quickly.

Sudden, foreign, unpredictable [Worry-free] makes your priceless life label with a price, you must be prepared!

1.By car. 1.5 million [strong].

2.Bus. 1.5 million [strong].

3.Taxicab. 1.5 million [strong].

4.Take the high-speed rail. 1.5 million [strong].

5.1.5 million [strong] by train

6.Ride suspension 1.5 million [strong].

7.1.5 million [strong] by subway

8.1.5 million [strong] for light rail rides

9.1.5 million [strong] by steamer

10.2 million [strong] by plane

11.Ordinary accidental death or total disability of 200,000 [strong].

12.120% of the principal will be returned after death due to illness [strong].

120% of the principal will be returned at the end of the annual contract [strong].

Question] [question] [question] annual payment is only 2,500 yuan, pay ten years of insurance for thirty years, and return the principal plus interest at maturity for a total of yuan, which is equivalent to not spending money to buy insurance [Sun] [Sun] [Sun] If you feel that the protection is not high enough, you can also increase the amount of insurance, up to 10 million worth!

Accident insurance is insurance that pays insurance benefits based on the condition that the insured suffers an injury caused by an accident resulting in disability or death.

There are 3 types of common benefits:

1) Accidental death: death caused by an accident;

2) Accidental disability: The disability caused by the accident needs to be assessed by a professional institution;

3) Accidental medical treatment: the first expense caused by the accident, including outpatient and hospitalization.

Hello, first of all, you need to check the insurance contract carefully, some accident insurance has a deductible, of course, it is generally 0 deductible.

You said yes fee, thenThe premise of an accident insurance claim is that the insured is a medical act caused by an accident and that the accident insurance has an accidental medical treatment clause. (Some accident insurance does not cover accidental medical treatment).

If the accident insurance purchased is not limited to social security drugs, then look at the limit and standard of purchased drugs for your insurance. Within the limit and in accordance with the terms of the accident insurance for purchased drugs, then this part can be reimbursed.

The limit is the maximum amount that can be claimed, the maximum amount of accidental medical insurance, 10,000, 20,000, spent 100,000 ** expenses due to accidents, social security reimbursed 20,000, and the remaining 80,000,Up toOnly 10,000 or 20,000 can be reimbursed.

I hope the above can help you, if you still have questions about insurance, please send a private message.

Your general understanding is correct.

1. Among the insurance liabilities of accident insurance, accidental disability, death and accidental medical treatment can be reimbursed.

If the injured person is not disabled due to disability, the part that can be reimbursed is accidental medical treatment and benefits (some products have hospitalization benefits).

The amount of compensation is the amount of accidental medical treatment, which is usually 5000, 1w, 2w. So if you spend 10w, the social security reports 2w, and the remaining 8w can go for accidental medical treatment.

2. However, not all of the 8w that can be reimbursed can be reimbursed, because some items in the accident insurance are not reported, such as durable equipment, physical ** expenses, etc., because this 8w still needs to be seen, what are the details inside. For example, ** fees, bed fees, surgery fees, and drug fees (if the product requires that the drug must be used within the social insurance, then the social insurance must also be paid by itself), which can definitely be reimbursed, and the rest depends on whether the terms limit the payment.

3. Since the elderly are a group with a higher risk of accident insurance, the insurance amount is usually low, and there will be certain social security requirements; Many accident insurances for adults and children can be reimbursed for drugs outside of social insurance.

Ask casually, seriously.

First of all, accident insurance includes coverage for accidental medical treatment and accidental dismemberment.

Secondly, your question.

1.Different accident insurance, the coverage of accidental medical treatment is different, and some can be reimbursed without limiting social security. If social security is restricted and hospitals are restricted, the excess amount will not be reimbursed.

2.Regarding the amount, different premiums have different amounts, the amount of accidental medical treatment is not enough, you can deduct it through social security and then reimburse, if you are still worried about not enough, you can supplement commercial medical insurance according to your budget.

May the old man be in good health.

First, it is explained that social security is limited, and social security drugs are divided into three categories: A, B and C, with full reimbursement for Class A social security, partial reimbursement for Class B drugs, and no reimbursement for Class C drugs; Imported drugs are basically Class C drugs, so social security is basically not reimbursed; The accident insurance medical treatment limited to social security is basically to supplement and reimburse part of the expenses that are not reimbursed by social security for Class B drugs.

Second, there is no limit to social security, that is, no matter whether you go for social security reimbursement or not, accidental medical treatment will reimburse 100% of the cost of A, B and C drugs.

Thirdly, the medical policy maximum, you understand it correctly.

Hand type reply, thank you.

First of all, the accident insurance you buy covers accident medical insurance, and there are many kinds of accident insurance, and the situation you are talking about is accident medical insurance. In the first case, as long as the insurance amount of the accident medical insurance is sufficient, the remaining part after the social security reimbursement, the accident medical insurance can be reimbursed, but the content of the reimbursement needs to be specific to the insurance terms. Some insurance is for equipment and equipment, etc., and some insurance is for nothing, but most of the insurance imported drugs are managed, and it can only be said that most of the remaining parts can be reimbursed.

If you buy insurance with an insurance amount of 10,000 yuan, then you spend 50,000 100,000, and finally the maximum amount of commercial insurance reimbursement for you is 10,000 yuan, if you buy 100,000 insurance amount, then you only spend 50,000 yuan to see a doctor, then the insurance amount must be enough. The higher the sum insured, the higher the corresponding premium, and the higher the cost of your insurance. This is relative.

In short, the content of reimbursement depends on the specific insurance terms, and the content of each insurance product is different. Everything is subject to the contract.

Accident insurance refers to the act or contract in which the policyholder pays a certain amount of insurance premium, and the insurer promises to pay the insurance money to the insured in the event of physical injury and disability or death due to a disaster within a specific scope.

Accident refers to the natural body of the insured, excluding artificial non-natural parts such as prostheses, dentures, and prosthetic eyes. The disaster that causes accidental injury to the insured should have four elements: external, sudden, unintentional and non-disease.

The so-called external means that the cause of the injury is caused by factors other than the insured. For example, mechanical collisions, falls, pressures, bites, scalds, burns, frostbite, electric shocks, light radiation and other factors caused by physical damage, as well as acids, alkalis, gas.