Can suicide be considered accident insurance? What insurance pays for suicide

There will be no compensation, because suicide is an intentional act and does not belong to the scope of compensation for accident insurance, and the definition of accident refers to the situation of bodily injury to the insured caused by unintentional, external, and unpredictable reasons, such as drowning death is an accident, but suicide death is not an accident, it is an accident caused by the original factor.

If you choose whole life insurance, you can get compensation for suicide, and in the usual long-term insurance, such as whole life insurance, the insurance liability stipulates that you will be liable for suicide. According to Article 44 of the Insurance Law, if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable to pay the insurance money, unless the insured is incapacitated at the time of suicide. That is to say, life insurance products will not be covered for compensation within 2 years, and accident insurance will not be covered for more than 2 years.

No. Accidents, as the name suggests. It was an unexpected accident. Therefore, suicide cannot be claimed by insurance.

Hello, it's definitely not. This act of oneself is purposeful, so it is not an accident. And the insurance review is very demanding. Accident insurance refers to those acts that are unexpected.

No, accident insurance covers external, sudden, unintentional, and non-disease accidents. Suicide does not meet the condition of "unintentional", so accident insurance does not provide protection for suicide.

Divide the situation. After 3 years of insurance, it can be regarded as accident insurance. Otherwise, it doesn't count.

Suicide is not accidental, it is an intentional act, and it is not covered by accident insurance.

Suicide is an intentional act, not an accident, and is not covered by accident insurance.

Is sudden death considered an accident?

The suicide was premeditated, and if it did, the insurance company would pay for it. Its actuaries wouldn't be so stupid.

No, accident insurance covers future, sudden, unintentional, non-disease accidents, and suicide does not meet this condition.

This is not considered accident insurance. Accident insurance means that when people are not paying attention, they die or are injured unexpectedly.

Hello friend, this is not counted, accident insurance is only in the event of an accident, but also after confirmation. Live well, don't think about killing yourself, that's a stupid idea. Good luck.

Suicide is not an accident insurance.

Accident insurance covers external, sudden, unintentional, and non-disease accidents. Suicide does not meet the condition of "unintentional", so accident insurance does not provide protection for suicide.

Whether or not suicide insurance pays depends on the situation.

If you buy life insurance, you can only pay for suicide after two years; If you have accident insurance, you will not be compensated for suicide.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the 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 disaster accident that causes accidental injury to the insured referred to here should have four elements: external, sudden, unintentional and non-disease.

At that time, it was not compensatory to commit suicide after buying insurance. If you commit suicide two years after buying insurance, you will be compensated.

If you commit suicide, the insurance will not pay.

Legal Analysis: Suicide falls under the exclusions in life insurance contracts. If the insured commits suicide two years after the date of its establishment, the insurance company will compensate the insured if the contract is signed with death as a condition for the payment of insurance benefits, and if it is less than two years old, it will not be compensated.

Legal basis: Article 44 of the Insurance Law of the People's Republic of China In a contract where the death of the insured is the condition for the payment of insurance money, if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable to pay the insurance money, unless the insured is a person with no capacity for civil conduct at the time of suicide. If the insurer does not bear the responsibility to pay the insurance money in accordance with the provisions of the preceding paragraph, it shall refund the cash value of the insurance policy in accordance with the contract.

Legal Analysis: No matter what insurance you buy, if you commit suicide within two years of the effective date of the contract, the insurance company will not be liable for compensation. However, persons who are incapacitated for civil conduct (under 10 years old, mentally ill, etc.) are excluded.

Legal basis: Article 44 of the Insurance Law of the People's Republic of China In a contract where the death of the insured is the condition for the payment of insurance money, if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable to pay the insurance money, unless the insured is a person with no capacity for civil conduct at the time of suicide.