How to apply for accident insurance under the age of 18

Hello! Under the age of 18, parents should take out accident insurance on their behalf. At present, there are many ways to buy accident insurance, such as insurance company over-the-counter insurance, finding an insurance person, and online insurance.

Comparatively speaking, online insurance is not only cost-effective, but also has a cheap premium. Take Wise.com, for example, it will bring you at least 15% off your premium. However, when you apply for insurance, you should look at the coverage and don't think that as long as you buy accident insurance, your child will be covered if you have an accident.

For example, if a child accidentally burns himself, he or she thinks that he or she can get a claim or a full sum insured, but according to the relevant terms of the insurance company, the degree of scalding must be reached to be claimed, and the amount of the claim must be paid according to the level of disability. In other words, the claim is conditional, and this condition is mainly the "exclusion clause" in the insurance clause.

At the same time, you need to look at the sum insured. At present, the accidental death insurance amount of a child cannot exceed 500,000 yuan.

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For accident insurance under the age of 18, the guardian can act as the policyholder and handle it for him.

You can buy short-term accident insurance, dozens of yuan to cover 100,000 accidental injuries, 10,000 medical treatment.

You can buy a card or a family photo, including having a family.

Card business is policy business.

Card policies can be solved.

Buy student insurance or card slips.

You can buy a card slip or a student insurance.

Hello, you can buy a card to cover accident insurance.

You can buy it however you want, depending on how much you pay.

You can apply with your ID card.

What is your profession? Gender? Knowing these is what will tailor it for you.

Parents or guardians should be the policyholders when purchasing accident insurance for minors, and the amount insured for accident insurance for minors should be added.

It cannot exceed 100,000. CIRC.

For the death of minors, the maximum amount of insurance shall not exceed 100,000 yuan.

Accident insurance mainly covers personal injury caused by external, sudden, unintentional, and non-disease events. Accident insurance includes accidental medical treatment and accidental injury, the former is a reimbursement type, and the latter is a benefit type.

If it is a simple case to deal with the medical expenses incurred by the accident, the insurance company can reimburse it. Accidental injury refers to the death, disability or other accidents stipulated in the insurance contract caused by an accident of the insured. Death Total Disability is a direct benefit to the sum insured; Disability due to an accident is based on the level of disability.

The compensation will be paid according to the proportion specified by the insurance company.

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Legal analysis: Minors under the age of 18 can purchase accident insurance.

Legal basis: Social Insurance Law of the People's Republic of China

Article 4 Units and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law shall have the right to inquire into payment records and records of personal rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions by their own units.

Article 5: The people at or above the county level shall include social insurance undertakings in their national economic and social development plans.

The state raises social insurance funds through multiple channels. The people at or above the county level shall give necessary financial support to the social insurance undertakings.

The state supports social insurance through preferential tax policies.

Article 6 The State shall exercise strict supervision over social insurance.

and the people of provinces, autonomous regions and municipalities directly under the Central Government to establish and improve the supervision and management system of social insurance to ensure the safe and effective operation of social insurance.

The people at or above the county level should take measures to encourage and support all sectors of society to participate in the supervision of social insurance and social insurance.

Article 7 The social insurance administrative department shall be responsible for the social insurance administration of the whole country, and other relevant departments shall be responsible for the relevant social insurance work within the scope of their respective duties.

The local people's social insurance administrative departments at or above the county level are responsible for the social insurance management work in their respective administrative regions, and other relevant departments of the local people's social insurance at or above the county level are responsible for the relevant social insurance work within the scope of their respective duties.

If you are at least 16 years old and already have the capacity for self-reliance in civil conduct, you can participate in work-related injury insurance, the so-called self-reliance civil behavior can Chang Pi Li refers to participating in work and having a certain income, which is based on (such as the general principles of the civil law of the People's Republic of China)! Accident insurance regardless of age, generally before the age of 65 can be on, each company's accident insurance is different, but there are certainly suitable for under 18 years old. It's just that people under the age of 18 can't be employees of the company, right?

If you want to take insurance in the name of the company, you can only do so by a specific agreement or way. According to the provisions of the Labor Law, employers are prohibited from recruiting minors under the age of 16. Workers who have reached the age of 16 but are under the age of 18 are juvenile workers, and special labor protection is implemented for juvenile workers.

Juvenile workers shall not be arranged to engage in underground mines, toxic and harmful labor, labor of the fourth level of physical labor intensity prescribed by the state, and other labor that is taboo to be engaged in.

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

If you are under the age of 16 and purchase accident insurance, you cannot purchase accident insurance as the policyholder without purchasing it yourself, and you can let the guardian purchase accident insurance for you as the policyholder.

According to the relevant regulations, it can only be done in the case of independent economy**. If a minor wants to buy insurance, he or she can let the guardian buy it as the policyholder, because the minor has no legal effect, so he cannot be the policyholder.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the insurance contract.

The policyholder is a party to the insurance contract. To determine that a person is the policyholder of an insurance contract, two elements should be considered:

1) Formal Requirements: A party to the insurance contract relationship. If you enter into an insurance contract with the insurer in your own name, or replace the original policyholder due to a certain legal fact and join the established legal relationship of the insurance contract.

2) Substantive Requirements: Bear the obligation to pay insurance premiums. If the policyholder lacks a certain element and is not in the full sense, its contractual rights will be subject to certain restrictions.

Special requirements for the qualifications of the policyholder for life insurance or insurance insurance:

1.The policyholder shall have an insurable interest in the insured at the time of entering into the insurance contract, otherwise the insurance contract shall be invalid.

2.If a minor is the insured person who takes out death insurance, the insured person shall be the minor's parents or a person with guardianship with his consent. Medium cons.

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Minors under the age of 18 can purchase accident insurance.

As long as you are at least one year old, you can take out commercial accident insurance.

Yes, we provide accident insurance for minors. The maximum amount of accidental death and disability is 100,000, and the medical treatment for accidental injury is 50,000, and more than 200 a year.

Summary. Hello dear! If it is an accident, it depends on whether it falls within the scope of the exemption (the scope of the exemption includes:

Drunk driving, driving without a license, criminal acts, suicide or self-injury, expenses outside Chinese mainland**, consumption of controlled drugs Whether committed suicide or self-injury in a sane or not, etc.) Third, the specific amount of the claim needs to look at the terms of the accident insurance, and the amount of medical expenses reimbursed for accidents is generally relatively high, and the proportion is between 80% and 100%. Fourth, in order to shorten the claim time, it is necessary to contact the insurance company or the school in time after the accident. Fifth, the materials required for the claim are the personal identity certificate of the insurer (student certificate or guardian's identity certificate), the accident process (if it is a traffic accident, the responsibility certificate of the traffic department is required), and the personal settlement account passbook in the name of the insurer (generally if ICBC is required, the insurance company will pay the claim directly to the discount, which can be the guardian's account).

Outpatient: Medical diagnosis certificate (stamped with the special seal of the diagnosis certificate), receipts, prescriptions, medical records, payment lists, and examination reports for all medical treatments. Hospitalization:

Medical diagnosis certificate (stamped with the special seal of the diagnosis certificate), receipts of all medical treatments, examination reports, disease course records, admission records, discharge records, and the first page of medical records.

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Hello dear! If it is an accident, it depends on whether the pants Sakura Hiroshi belongs to the scope of exemption (the scope of exemption includes: drunk driving, driving without a license, criminal acts, suicide or self-injury, expenses outside Chinese mainland, consumption of controlled drugs Suicide or self-injury regardless of sanity, etc.) Third, the specific amount of the claim needs to see the terms of the accident insurance The amount of medical expenses generally reimbursed for accidents is relatively high, and the proportion is between 80% and 100%.

Fourth, in order to shorten the claim time, it is necessary to contact the insurance company or the school in time after the accident. Fifth, the materials required for the claim are the personal identity certificate of the insurer (student certificate or guardian's identity certificate), the accident process (if it is a traffic accident, the responsibility certificate of the traffic department is required), and the personal settlement account passbook in the name of the insurer (generally if ICBC is required, the insurance company will pay the claim directly to the discount, which can be the guardian's account). Outpatient:

Medical diagnosis certificate (stamped with the special seal of the diagnosis certificate), receipts, prescriptions, medical records, payment lists, and examination reports of all medical treatments. Hospitalization: Medical diagnosis certificate (stamped with the special seal of the diagnosis certificate), receipts of all medical treatments, examination reports, disease course records, admission records, discharge records, and the first page of medical records