Which insurance company is good for accident insurance

I would like to ask what kind of insurance do you want? Medical, Critical Illness, or Accident? What is your intention to buy insurance? Is it due to illness and hospitalization, some compensation or accidental death benefit? Or both?

Common accident insurance, generally covering 1 year, provides accidental death, dismemberment and accidental medical benefits. Although the premium of accident insurance is cheap, it can be exchanged for higher protection with a lower **, and the insurance leverage is large. However, there are still differences in the accident insurance of various insurance companies, and the cost performance is high and low.

If we want to know which insurance company is better for accident insurance, we can consider it from two aspects: insurance liability and cost performance.

Here is a brief introduction to three cost-effective products:

1. Sunshine Personal Comprehensive Accident Insurance.

Sunshine Personal Comprehensive Accident Insurance is suitable for people aged 18-65 with 1 year of coverage. Insurance liability, like conventional accident insurance, covers accidental death, accidental medical treatment and accidental hospitalization benefits. If you choose 100,000 sum insured, you can get 100,000 accident protection + 10,000 accidental medical treatment + 50 yuan a day of accidental hospitalization allowance.

It only costs 25 yuan a year, and if you feel that 100,000 yuan of accident protection is not enough, you can choose 300,000 yuan of insurance, and the accident medical treatment will be increased to 30,000 yuan accordingly, and the hospitalization allowance will be 150 yuan a day. The premium is less than 100 yuan, 75 yuan a year.

2. Worry-free accident insurance plan.

Like Sunshine Personal Comprehensive Accident Insurance, Worry-Free Accident Insurance provides basic accident protection, Share, Privilege and Deluxe Edition, with a maximum sum insured of 300,000 yuan. If you apply for the basic version, the accidental death and disability insurance amount is 100,000 yuan, the accidental medical treatment is 10,000 yuan, and the hospitalization allowance is 60 yuan a day, limited to 180 days. The product can be sold nationwide, covering 1-3 types of occupational groups, and the basic premium is 60 yuan.

3. Hua'an Road Safety Traffic Accident Insurance.

Huaan Yiyi Ping An Traffic Accident Insurance, focusing on traffic accident protection, covering 13 types of transportation, suitable for people born 30 days old - 75 years old, with a coverage period of 1 year.

The insurance amount of this product is 20-2 million for aircraft accidents, 10-500,000 for train accidents, 10-500,000 for bus and tram accidents, and other benefits can also be selected. If you choose 200,000 yuan for plane accidents, 100,000 yuan for trains, and 100,000 yuan for public transportation, it will only cost 10 yuan for 1 year. The sum insured of this product is very flexible and can be adjusted by itself.

Ping An's accident insurance is good.

Ping An's accident insurance has a high sum insured, with a maximum sum insured of RMB 1 million for general accidental death and disability, and up to RMB 5 million in the case of death in an aviation accident. In addition to accidental medical benefits, it also provides accident protection for accidental death, disability, acute illness, disability, hanghe, hidden sky, train, ship hill auction, car and driving of a non-operating private car, which can basically cover the common accident risks in daily life. **Cheap, cost-effective, the most expensive version is 299 yuan, but the insurance amount can be as high as 1 million.

Support flash compensation service below 10,000 yuan, settle in one day at the earliest, and provide more peace of mind after sale.

Personal Accident Insurance Compensation Standards:

1. Death benefit.

In the event of death caused by accidental injury, the insurer shall pay the death insurance benefit.

2. Disability benefits.

If the insured suffers a disability due to an accident, the insurer pays disability insurance benefits.

3. Medical benefits.

When the insured suffers medical expenses due to accidental injury, the insurer pays medical insurance benefits. Accident medical insurance is generally not covered separately but as an add-on to accidental death, disability, and disability.

4. Stoppage payment.

When the insured is temporarily incapacitated due to an accidental injury and is unable to work, the insurer pays the suspension insurance benefit. <>

You can buy ordinary accident insurance.

1) If you are an ordinary citizen who works from 9 to 5 every day, and only goes out once a year occasionally, the probability of accidents is relatively small, and you only need to take out an ordinary, moderate amount of personal accident insurance every year. Of course, you can also choose to add a few accident insurance policies directly to the existing life insurance main insurance, so that the rate will be lower.

2) If you often commute by public transportation, you can also add insurance with multiple payments for public transportation, of course, you should also pay attention to whether it covers light rail and subway. At present, companies such as Life Insurance, AIA, and Pacific have such personal accident insurance types of "multiple payments for vehicles".

3) If you don't usually go out and just hike every week, you may wish to choose AIA's "worry-free every day" and other holidays that will pay multiple times the accident insurance. This insurance usually provides basic protection, and during the holidays, the amount of coverage will be increased several times, which can fully meet the needs of ordinary people for "different amounts of protection in different segments".

The insurance period of ordinary accident insurance is generally one year, and it can also be insured on a monthly basis, which is a kind of insurance with social organizations as the policyholders and incumbents in the social organizations as the insured.

The insurance liability of ordinary accident insurance is the personal injury, personal disability and accidental death of the insured caused by the accidental injury accident, and the insurance company shall compensate according to the signed insurance contract.

Short-term accident insurance is sufficient. Accident insurance covers "accidents", but this "accident" is not a simple literal accident! In the definition of accident insurance, only those that fully meet the following criteria:

External, sudden, unintentional, non-diseased objective events that cause physical harm, these adjectives are all key and indispensable, according to which we know what accident insurance can cover

For example, the most common and controversial question is: Is sudden death an accident?

Sudden death is still relatively common in life, and it is often heard that anyone who works for many days in a row or plays games for many days in a row will die suddenly, but in many accident insurances, sudden death is listed as an exclusion, that is to say, sudden death is not compensated!

Because people who have sudden death have an inherent cause of disease in their body, which is caused by irregular work and rest for a long time and accumulated over a long time. However, there are also a few accident insurance that list sudden death separately, but the premium is more expensive

In 2019, the most worthwhile accident insurance is here

Therefore, it is strictly in accordance with the definition to determine whether it is an accident, and accidents in life are also very common, such as traffic accidents, falling objects, natural disasters, drowning, burns, elevator falls, etc., basically due to death or total disability caused by accidents, the policy sum insured will be paid in a lump sum

As for whether the accident insurance includes other claims liability, it is necessary to take a specific look at the classification of accident insurance

The first is an accident insurance under Zhongan Insurance, called Personal Comprehensive Accident Insurance, which is aimed at people aged 0-65 and can be bought by the elderly who are not too old. In addition, there is a Zurich "million life" accident insurance, 150 yuan a year, is also 0 deductible 100% reimbursement, not limited to social security drugs, it also has an obvious advantage, in the event of an accident abroad can also be protected, suitable for friends who often go abroad.

Although the accident insurance is simple, there is a limit on the amount of minors, which is related to the restrictions of the Mainland Insurance Regulatory Commission, which currently stipulates that the death insurance amount of children under 10 years old cannot exceed 200,000, and the age of 10-18 cannot exceed 500,000, so if you buy accident insurance for children, the upper limit of different ages is different, and you can buy as much as you want.

Although the premium of accident insurance is relatively low, in the event of an accident, whether the claim can be made and what kind of problems can be solved will be very important to the customer. Long-term accident insurance is relative to the 1-year period, not 1 year for 1 year, and the insurance period is generally longer than the payment period, such as 10 years for 20 years, 20 years for 30 years, 20 years for 70 years of insurance, or for life, which is considered long-term.

General specific accident insurance, can not be bought separately, but as an additional insurance, the main insurance is ordinary accident insurance, and then additional specific accident insurance, then, in these specific circumstances, the protection will be more than the main insurance.

In fact, each accident insurance product has its own advantages, which one is the best, and the dad can't choose. However, Daddy has compiled a list of suggestions here, you can refer to the "2021 Accident Insurance List Update, these are worth paying attention to in March!" 》

For the specific evaluation of accident insurance, it is necessary to start from many aspects, and it is not possible to simply look at one side. Therefore, in addition to understanding the main functions of accident insurance, it is also necessary to look at the following aspects:

1) The quality of the insurance company's service and the timeliness of measures taken after the accident. These are very important for customers who have taken out accident insurance;

2) Types of accident insurance. For insurance companies, accident insurance is generally divided into many types, such as personal accident insurance, group accident insurance, traffic accident insurance, etc., the more complete the types of accident insurance, the more complete it can explain the perfection of the insurance company's business;

3) Coverage of accident insurance. This is an important criterion for evaluating which accident insurance is better. Generally speaking, the wider the scope of accident insurance, the more popular it is for users;

4) Insurance costs and insurance premiums. This is also an aspect of people's evaluation of accident insurance, not that the lower the insurance cost, the better the accident insurance product, and the best choice for consumers is the high quality and high price.

1.Priority to purchase "one-year comprehensive accident insurance". It is only a few tens of yuan, with 100,000 accidental injury insurance and 10,000 accidental medical insurance.

If you are engaged in high-risk occupations, such as construction workers, truck drivers, etc., you must purchase 5-6 types of occupational accident insurance.

2.Specific to the product, there are many, just pick the one that suits you. If you want to buy, you can send me a private message and customize the protection plan based on your specific situation.

3.Other scenario-specific accident insurance, such as aviation insurance, traffic accident insurance, etc. If you often fly, you can buy another flight insurance. If you often run business outside, you should purchase an additional traffic accident insurance. And so on, as the case may be.

Which is better for individuals to buy accident insurance?

Everyone will have a different focus on the accident risk they face, and when configuring accident insurance, they should fully consider the risk status faced by themselves and their families, for example: for children, accidental injuries such as falls and burns are generally more frequent, and the amount of accidental injury medical treatment of accident insurance can cover this kind of risk, which is more appropriate.

After my comprehensive research, I found that Yongan Insurance Company's Yongan worry-free accident insurance is quite good, covering traffic accidents, but also non-traffic accidents, including medical expenses, the total insurance amount is more than 700,000 yuan, 100 yuan a piece, very worthwhile, is the best accident insurance product on the market.

Whether it's good or not, it depends on the occupation and age of the insured, as well as the premiums that can be afforded!

Jia Zheng - Mrs. Wang, Jin Chuan, Yu Chuan, Caixia, Caiyun, Cailuan, Xiuluan, Xiufeng, Xiaoxia, Zhou Rui, Zhou Rui's (accompanying room).

Among the many insurance products, accident insurance has a long history of development. The danger of accidents, from the perspective of payment time, can be divided into long-term unexpected dangers and short-term unexpected dangers. For example, accident insurance for 10 or 30 years, accident insurance for 1 year that lasts every year, traffic accident insurance in the event of a traffic accident, etc.

After understanding the insurance liability of disagreeing with the unexpected danger, you may have a better understanding of how to insure. Next, Jintou introduces the unexpected danger of which one is better to buy.

Before you decide what kind of accident insurance you want to cover, make sure you want to know what kind of accident risk you want to cover. Accident insurance can be divided into comprehensive accident insurance, travel accident insurance, ride accident insurance, traffic accident insurance, and accident insurance under specific circumstances. Which is better to buy for the danger of accidentsThe needs of ordinary people for accidental dangers, in addition to the traffic accident hazards that we are exposed to, there are also comprehensive accident hazards.

Comprehensive accident insurance covers accidental death, dismemberment, accidental medical treatment, accidental hospitalization benefit, etc.

At present, the penetration rate of comprehensive accident risk in China is high, and the range of participants is wide. This comprehensive accident insurance premium is low, the leverage is high, and after an accident, the whole family can be held responsible. Which is better to buy this kind of comprehensive accident danger can be said to be everyone's needs, and it is the basic accident protection for many people.

Which is better accident insurance, a reasonable recommendation is a comprehensive accident insurance with a one-year term and annual continuous insurance.

In addition, among the many comprehensive accident insurance in China, some insurance companies have proposed personalized comprehensive accident insurance. Which is better to buy for the danger of accidents? China Financial Insurance's personal peace of mind comprehensive accident insurance not only covers accidental death, disability, medical treatment, hospitalization benefits, but also public traffic accident liability. Comprehensive aircraft, trains, ships, automobiles and other means of transportation died in the accident, and the disability insurance premium reached nearly one million yuan.

Which is better to buy for the danger of accidentsThis design of comprehensive accident risk is suitable for ordinary office workers who are busy now, especially the trapeze artists who have flown for many years.

We can do a calculation problem. The short-term traffic accident insurance for a flight is about 20 yuan. Five or six round-trips in a year, about one year's China Financial Insurance personal peace of mind accident insurance premium is sufficient.

Which is better to buy for the danger of accidents, with the same insurance premium, China Financial Insurance's personal peace of mind coverage is obviously stronger than the former, and it is cost-effective. Of course, the accident death and disability insurance premiums of short-term traffic accident insurance may be high, but the probability of these benefits is very high, and many people buy accident insurance for accidental medical treatment.

I bought comprehensive accident insurance and randomly added traffic accident insurance with a high sum insured. When many people consider the dangers of purchasing accidents, they unconsciously consider the dangers of this comprehensive accident with a wider range of coverage. Unexpected Danger Which is better to buy is an affordable investment to spend less money and buy a more complete insurance product.