What is personal accident insurance and what does personal accident insurance cover

In the insurance market, personal accident insurance is also known as accident insurance, the characteristic of this type of insurance product is that after the insurance of accident insurance, if the insured is killed or disabled due to an accidental injury accident, or due to outpatient and inpatient medical expenses, he can be compensated by the insurance money according to the provisions of the insurance contract, so that the insured can avoid excessive economic losses due to accidents, which is the benefit of accident insurance.

You know, as ordinary people, we can't know what kind of accident will happen to us one day in the future, although no one wants to encounter it, but it is also unavoidable. Therefore, buying a personal accident insurance and having a good protection is what everyone needs. If you want to know more about accident insurance products, you can open this link "Accident Insurance Purchase Guide, it is necessary to know about these products!

The advantages of buying personal accident insurance are: first, there is sufficient protection, personal personal accident insurance brings us protection against accidents and disability; The second is to be able to exchange for a peace of mind, a guarantee, and a security. These two advantages are enough to show that the role of accident insurance is very powerful, if the insured suffers from accidental injury and death, disability, or expenses incurred due to outpatient and inpatient medical treatment, he can be compensated by the insurance money according to the provisions of the insurance contract.

Personal accident insurance mainly includes accidental death, accidental disability, accidental hospitalization and accidental medical treatment, covering almost all accidental injuries in life, which can give you all-round protection. It also has a good return on investment and security, and personal accident insurance can be used worldwide, with a maximum of 5 times the payout of about 1 million yuan. If you pay the premium when you are young, you can get 100% back after 20 years and use it for a second time; The cost is low, and the return-type accident insurance can be paid monthly, and the cost is about 300 yuan per month.

Accident insurance, that is, personal accident insurance, accident insurance or accident injury insurance, he can provide us with accident protection, as long as the policyholder pays a certain fee to the insurance company, when the insured has an accident covered by the insurance contract, the insurance company will compensate the insured in accordance with the provisions of the insurance contract. It should be noted that the insurance company will only compensate the insured for disability or death caused by an accident, and there is no protection for general medical losses.

Accident insurance, as the name suggests, is to provide insurance compensation for death, disability, outpatient or inpatient medical treatment due to an accidental injury accident suffered by the insured.

From the perspective of accident insurance, personal accident insurance includes personal traffic accident insurance and personal accident insurance, personal traffic accident insurance, as the name suggests, is responsible for traffic accidents, personal personal accident insurance, is responsible for all accidents that threaten personal safety, traffic accidents are naturally included, that is to say, personal personal accident insurance protection items include personal traffic accident insurance, and its protection items are more than these.

Usually, most of the accident insurance in people's mouths refers to personal accident insurance, it can also be said to be an accident medical insurance, it is also different from traffic accident insurance in terms of protection items, personal personal accident insurance has great advantages. Personal accident insurance covers not only accidental death or disability, but also accidental medical treatment caused by accidental injury. In the case of traffic accident insurance, it covers accidental death or disability caused by the four major public transportation.

For example, the one-year comprehensive accident insurance can also enjoy the superimposed protection for accidents caused by vehicles, and if the insured purchases accidental death and disability of transportation, he can enjoy the protection of comprehensive accidental death and disability and accidental disability of transportation at the same time. In addition, personal accident insurance will also have accidental hospitalization allowance and ambulance expenses to pay, but personal traffic accident insurance will not be available.

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

Personal accident insurance means that during the insurance period, the accidental disability, death, and medical treatment caused by the accidental injury of the insured person will be compensated by the accident insurance.

Generally speaking, in order to be compensated for accident insurance, the "accident" encountered must meet four conditions, all of which are indispensable, namely, unintentional, non-diseased, sudden, and external.

Below, let's take a look at the coverage of personal accident insurance:

1. Accidental death.

Accidental death is the death caused by an accident, and the insurance company will directly pay 100% of the sum insured as the death insurance benefit, and buy 1 million to pay 1 million.

2. Accidental disability.

Accidental disability is paid according to the level of disability, for example, 100% of the sum insured will be paid for level 1 disability, 90% of the sum insured will be paid for level 2 disability, and so on, 10% of the sum insured will be paid for level 10 disability.

If Xiao Wang unfortunately has a car accident, resulting in the complete loss of function of the entire left upper limb, it is a grade 5 disability, and the compensation ratio is 60%, and the compensation is 600,000 if you buy 1 million insurance.

3. Accidental medical treatment.

Accidental medical treatment refers to the medical expenses incurred due to accidents, such as outpatient expenses, hospitalization expenses, etc.

Generally speaking, the best protection for accidental medical treatment is not limited to the scope of social insurance, and imported drugs can also be reimbursed, and it is 0 deductible and 100% compensation.

Most of the amount of accidental medical treatment is 1-50,000 yuan, and the amount is not too high, and it can deal with common accidents in daily life.

Generally speaking, the criteria for choosing personal accident insurance should be based on the above three points, on top of this, some products also have additional sudden death protection, hospitalization allowance and other protection, you can choose the right product according to your personal preferences.

Pay attention to attentive insurance, 1-to-1 free consultation, adhering to a professional, objective and neutral attitude, choose more cost-effective products for you, and make buying insurance an easy task!

Accident insurance is personal accident insurance, also known as accident or injury insurance, which refers to the insurance that 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. The body here refers to the natural body of the insured, excluding artificial non-natural parts such as prostheses, dentures, and artificial eyes.

The disaster accident that causes accidental injury to the insured referred to here should have four elements: external, sudden, unintentional and non-disease.

The term "accidental injury" in accident insurance refers to the objective fact that the sudden occurrence of external harmful substances to the insured's body obviously and violently infringes on the insured's body without the insured foreseeing or against the insured's will. The sudden-onset of foreign hazards referred to here should have four elements: external, sudden, unintentional and non-diseased. It refers to a kind of life insurance in which the insurance company pays the insurance money according to the contract when the insured suffers from external unintentional, external or sudden accidents (non-diseases) during the insurance period, and is disabled or dies due to physical injury.

Personal accident insurance includes: Accidental Injury (Death), Accidental Dismemberment, Accidental Medical Treatment.

Accident insurance protection function: refers to the insurance that the policyholder pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury during 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.

The main factors of accident insurance:

The so-called "foreign" means that the cause of the injury is caused by factors other than the insured. For example, physical damage caused by mechanical collisions, falls, compressions, bites, scalds, burns, frostbite, electric shocks, light radiation, etc., and chemical injuries caused by acids, alkalis, gas poisons and other factors. These external factors need to cause signs of damage on the outside or inside of the human body.

The so-called suddenness refers to the injury caused by a violent and sudden invasion of the human body. There is a direct and instantaneous relationship between the cause of the injury and the effect. For example, injuries and deaths caused by collisions in traffic accidents and the smashing of falling objects in the sky are sudden and instantaneous.

Physical injuries caused by long-term work under certain environmental conditions are not accidental injuries, such as occupational diseases caused by long-term work in harsh environments, and sudden and accidental physical injuries, and the former does not fall within the scope of injury insurance.

The so-called non-intentional refers to the injury caused by a force majeure accident that is not foreseeable by the parties and not their will, and the result of the injury is an accident, and the injury caused by non-accidental causes cannot be recognized as accidental injury, such as bodily injury caused by driving at a speed exceeding the speed limit standard on a highway. For this kind of injury, which is completely predictable and completely preventable, it is not an accidental injury.

Non-disease: Non-disease means that the damage was not caused by factors or illness in the insured person's body. For example, pathological fractures caused by osteoporosis or fulminant hepatitis caused by hepatitis viruses are injuries caused by diseases.

The above four elements are indispensable for the formation of accidental injury, and the requirements must be met at the same time when determining the accident of injury insurance.

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