Who is the applicable object of Wing Pay Xiaoxin Bao Senior Comprehensive Accident Insurance?

Xiaoxin Insurance for the Elderly Accident Insurance 2020, underwritten by Zhongan Insurance, is an accident insurance for the elderly. Among them, Xiaoxin Bao Elderly Accident Insurance 2020 is divided into basic version and excellent version, depending on the protection strength of the product, the premium of the excellent version** is more expensive. The feature of Xiaoxin Bao Elderly Accident Insurance 2020 is that it covers a wide range of ages, and 80-year-olds can also be insured.

Who is the applicable object of Wing Pay Xiaoxin Bao Senior Comprehensive Accident Insurance? Look at what this article says about "A Comprehensive Analysis of Zhong'an Xiaoxin Insurance for the Elderly, a Good Helper for Honoring Parents".

You need to understand in advance that because the probability of accidents for the elderly is quite large, and the insurance company also takes into account the problem of compensation, so the insured amount of the product is not as high as the general accident insurance.

As you can see from the picture above, the Excellence Edition is not much more expensive than the Basic Edition, which is about 50 yuan more expensive per year.

In terms of protection liability, the Excellence Edition has the following differences from the Basic Edition:

1.The Superior Edition has a higher accidental disability insurance amount, which is 100,000 more than the Basic Edition;

2.The Superior Edition has a higher reimbursement amount for accidental medical treatment, which is 10,000 more than that of the Basic Edition;

3.The cost of the ambulance is 1,000 yuan for the basic version and 2,000 yuan for the excellent version;

From the perspective of protection, Daddy prefers the excellent version, after all, it is 50 yuan more per year, and part of the protection amount is doubled.

In terms of insurance age, it can be seen that Xiaoxin Bao 2020 is mainly aimed at the elderly, and people aged 60-80 can be insured.

1.Accidental Injury Benefit.

In the event of death caused by an accident, the sum insured will be compensated 50,000 yuan;

For disability caused by accidents, the maximum compensation is 100,000 200,000 according to the level of disability;

50,000 death and disability coverage for specific accidents (accidents in public transportation places, accidents in non-operating motor vehicles).

2.Accidental Medical Benefit.

Accidental medical reimbursement provides 10,000 to 20,000 yuan;

It is only available in public hospitals of the second level and above, and the reimbursement is not limited to social security, and 90% of the medical expenses are reimbursed, and there is no deductible.

Hospitalization allowance and ambulance expenses are included.

Among them, the hospitalization allowance is 50 yuan per day, and the maximum compensation for each accident is 30 days, and the cumulative maximum payment is 180 days;

Ambulance fee allowance, 1,000 yuan for the basic version and 2,000 yuan for the excellent version.

Zhongan Xiaoxin Insurance, underwritten by Zhongan Insurance, is an accident insurance product exclusive to the elderly (66-80 years old).

There are four versions of this senior casualty insurance, with Plan 3 and Plan 4 providing more coverage for fractures and joint dislocations than Plan 1 and Plan 2.

Plan 2 and Plan 4 have a relatively higher sum of insurance, and you can choose to choose according to your budget when you insure your parents.

In addition to general accidental death and dismemberment, Zhongan Xiaoxin Insurance can also cover traffic accidents and accidental medical treatment, and the protection responsibilities are very comprehensive.

Friends who want to know how to configure insurance for the middle-aged and elderly can click here to understand: "How to buy insurance for the middle-aged and elderly?" What kind of insurance can I buy for my parents? You can understand it at a glance

Diagram of the basic content of Hyo Shin Bao.

(1) Basic insurance rules

This senior accident insurance is specially designed for the elderly, and the age of the insured is 66-80 years old, and the elderly outside of this range cannot be purchased.

(2) Accident Liability Protection

The accident coverage of this senior accident insurance can be divided into three categories according to the content:

1) General accidents

During the insurance period, if the insured suffers death or disability due to accidental injury, the insurance company will make a claim according to the insurance benefits agreed in the corresponding plan, such as 100,000 yuan for the death of the plan and 200,000 yuan for the second plan.

2) Special traffic accidents

Zhongan Xiaoxin Insurance Elderly Accident Insurance covers most of the traffic accident coverage, such as planes, ships, trains, cars, driving, etc.

When purchasing, you can choose the version with 100,000 or 200,000 insurance according to your actual budget.

3) Accidental medical treatment

The accidental medical treatment included in this product is not limited to social insurance, there is no deductible, there is no waiting period, and reasonable medical expenses incurred within the scope of responsibility can be 100% reimbursed, but the reimbursement amount is required to be within the limit.

Two other benefits worth paying attention to are accidental ambulance expenses (1,000 yuan and 2,000 yuan) and coverage for fractures and joint dislocations.

1. Accident ambulance fee.

This liability is also limited, and the cost of exceeding the limit cannot be reimbursed, but the cost of calling an ambulance is generally a few hundred yuan.

In addition, if you want to be reimbursed for the ambulance expenses, you will need to pay a reasonable amount of the ambulance within 24 hours of the accident. Later, the insurance company will deduct the corresponding deductible and reimburse the ambulance expenses according to the type of ambulance.

2. Insurance benefits for fractures and joint dislocations.

This is a coverage liability that only comes with Plan 3 or Plan 4, and fractures and joint dislocations are shared coverage.

Accidental fractures and joint dislocations requiring surgery** can be paid at 100%, fractures without surgery are covered at 10% of the sum insured, and joint dislocations without surgery** are not covered.

Generally speaking, from the characteristics of Zhong'an Xiaoxin Insurance for the Elderly, although there are some shortcomings, there are indeed many bright spots, such as covering special traffic accidents, accidental outpatient and emergency care, inpatient medical treatment, etc., and the protection is in place. Look

Wing Pay - Xiao Xin Bao Elderly Comprehensive Accident Insurance is applicable to Wing Pay.

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