How to deal with sudden illness death insurance

Insurance is a big concept word. How it pays depends on what type of insurance the person has purchased. Suggest voice or ** answers.

Accident insurance is a kind of insurance that provides people with accident risk protection. Generally speaking, if an accident occurs during the effective period of the agreed insurance, resulting in physical disability or death, the insurance company will provide a certain amount of compensation to the insured in accordance with the relevant provisions in the insurance contract.

Accident insurance is personal accident insurance, also known as accident or injury insurance, which refers to the insurance in which the insured pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury within the insurance period and causes death or disability as a direct cause, the insurance company pays a certain amount of insurance money to the insured or beneficiary in accordance with the insurance 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.

Hello, accident insurance covers accidents caused by accidents**, and death due to illness is not an accident, does not belong to insurance liability, and the insurance company does not pay.

Extended Materials. What is the role of accident insurance:

1.Accident insurance can provide protection for non-avoidable accidents, although it cannot completely avoid risks, but can reduce risks. 2.

Accident insurance can provide protection for the occurrence of accidents that will cause major personal and property losses, bring major crises to victims and families, decline in family economy for a certain period of time, and even make life difficult to maintain.

3.Personal accident insurance mainly provides death and disability protection caused by accidents. In the unfortunate event of the death of the insured person or the loss of work capacity due to disability, accident insurance provides a certain amount of compensation, so that the family and the insured person will not be in trouble and can get through the difficult times.

4.Personal accident insurance usually comes with accidental medical coverage, which can cover medical expenses caused by accidental injury. The ratio of compensation and the threshold ratio are very advantageous.

Is it good to buy accident insurance?

There are definitely benefits to buying accident insurance. The most basic insurance of accident insurance, the insurance with the least cost and the highest protection, is also the supplementary insurance for the part of the social security protection. Because personal ability cannot control the occurrence of accidents, buying accident insurance is to prevent these things from happening and causing greater financial losses to yourself.

People engaged in high-risk occupations have a high chance of encountering accidents, but if they accidentally fall in the bath, accidentally fall when they go out, and accidentally get bitten or scratched while playing with pets, these are all accidents, and they will also be encountered in daily life, and accident insurance can provide protection. Adults aged 18-65 can buy it, and the accident insurance only needs one or two hundred a year to get a high level of protection, and such a cost is basically affordable for everyone.

Personal accident insurance often gives us a peace of mind when we are healthy and happy, and when we encounter any unexpected risks, it can help us in time and save the day. Personal accident insurance will always give us a lifetime of hope and love in our most desperate times.

If you buy accident insurance, and the result is death due to illness, then it is not covered by the insurance, because the accident insurance is not within the scope of disease claims, so there is no way to compensate.

Accident insurance does not cover death due to illness, only life insurance will pay for death due to illness.

If you die due to illness after buying accident insurance, the insurance company will not compensate you, and the accident insurance in the insurance terms does not cover illness.

If you buy accident insurance and die due to illness, of course you can make a claim, and if you make a claim, of course, you can make a claim, and if you make a claim, of course, the world is the insurance company's docking to make a claim.

The illness is not an accident and therefore cannot be claimed. It is recommended to read the contract carefully and follow what is recorded in the contract.

The maximum compensation for death is 1 million.

As long as the disability or death is caused by an accident, the corresponding compensation or death benefit can be stacked, and no matter how many copies you buy, you can claim from multiple insurance companies. For example, if you are disabled or die due to a traffic accident, the maximum compensation will be 1 million, and the two companies will each have 500,000 yuan.

Personal accident insurance refers to an insurance that pays a certain amount of insurance money to the insured or beneficiary in accordance with the agreement between the two parties due to the death or disability of the insured, medical expenses or temporary loss of working capacity due to an accident within the agreed insurance period. The benefits are divided into death benefits, disability benefits, medical benefits and suspension benefits.

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

Accidental death, general death includes: accidental death and death from illness. Death refers to all deaths, which are generally assessed by a hospital or statutory body. Unintentional, caused by external conditions, sudden and instantaneous accidents, resulting in the loss of the human body's own vital characteristics.

There are 4 conditions that need to be met for accidental death:

1. It is not intentional, not caused by the intentional act of the insured, which cannot be foreseen by the insured in advance and objectively cannot be avoided by measures;

2. External, refers to accidents caused by external reasons of the insured's body, such as car accidents, attacks by gangsters, drowning, food poisoning, etc.;

3. Sudden refers to an accident caused instantaneously, without a long process, such as falling into the water, electric shock, falling, etc., and progressive damage such as chronic strain and bone hyperplasia does not belong to the category of emergency;

4. Non-disease, the injury caused by the disease, although it is not expected by the person in advance, but it is the result of the human body itself, and it is not an accident.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

The role of insurance is as follows:

1. Provide necessary protection, insurance can provide protection for common accident, health, death and other risk factors, can reduce risk losses, and effectively resist risks;

2. Carry out risk planning, individuals or families can use insurance tools for life planning and transfer possible risks in advance;

3. Reasonable allocation of funds, insurance has a certain investment nature, and can be carried out by designating beneficiaries for wealth inheritance, which is a tool for allocating funds;

4. With leverage, insurance can exchange relatively small premiums for a higher amount of insurance, which is leveraged and can enable the insured to obtain better protection.

Legal analysis: If a worker dies in the factory, whether the factory is liable for compensation depends on the cause of death of the worker, and the legal nature of the cause of death is different.

Legal basis: "Regulations on Work-related Injury Insurance" Article 39 If an employee dies on the job, his close relatives shall receive funeral subsidies, pensions for dependent relatives and one-time work-related death subsidies from work-related injury insurance in accordance with the following provisions:

1) The funeral subsidy is 6 months of the average monthly wage of employees in the overall area in the previous year;

2) The pension for dependent relatives shall be paid to the relatives who provided the main livelihood of the employee who died on the job and were unable to work according to a certain proportion of the employee's own salary. The standard is: 40% per month for spouses, 30% per month for each other relative, and 10% per month for each elderly person or orphan who is alone or orphaned.

The sum of the approved pensions for each dependent relative shall not be higher than the wages of the workers who died in the line of work. The specific scope of support for relatives shall be prescribed by the social insurance administrative department;

3) The standard of one-time work-related death allowance shall be 20 times the per capita disposable income of urban residents in the previous year.

Summary. Not included.

General personal accident insurance does not compensate for sudden death (sudden illness death), because sudden death is due to death caused by one's own disease, but it is relatively sudden, and does not fall within the scope of accident insurance; The definition of accidental injury is foreign, sudden, unintentional, and non-disease, so sudden death does not meet the definition of accidental injury, unless the accident insurance purchased has additional sudden death insurance liability, so that sudden death compensation can be obtained.

Does accident insurance cover sudden onset of illness and death?

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Not included. General personal accident insurance does not compensate for sudden death (sudden illness death), because sudden death is due to death caused by one's own disease, but it is relatively sudden, and does not fall within the scope of accident insurance; The definition of accidental injury is foreign, sudden, unintentional, and non-disease, so sudden death does not meet the definition of accidental injury, unless the accident insurance purchased has additional sudden death insurance liability, so that sudden death compensation can be obtained.