A 60 year old man died on the way home, and 300,000 accident insurance was denied! Isn t that unexpe

First of all, it may be because the old man may have died due to some disease on the way home, and the accident insurance company said is not interfered with by the disease, because the death caused by the disease, it is not within the scope of the accident insurance, so the insurance company has reason to refuse to compensate.

I think this is an accident, but it depends on how he died, if he died of illness on the way home, the accident insurance should not be compensated.

It was really an accident, but I think the insurance company should pay for the money, after all, it is clearly written in the contract.

This is because the insurance company believes that the most direct cause of the death of the elderly is brain death, which is a death from a disease, not an accidental death, so it refuses to pay compensation.

The key to accident insurance compensation for the elderly over 60 years old depends on the amount of insurance you buy and the type of insurance.

Personal accident insurance indemnity.

1. Death benefit.

In the event of death caused by accidental injury, the insurer shall pay the death insurance benefit. The death benefit is a full payment.

2. Disability benefits.

When the insured becomes disabled due to accidental injury, the insurer shall pay disability insurance benefits according to the degree of disability. The disability benefit is a partial benefit up to the death benefit.

3. Medical benefits.

When the insured incurs medical expenses due to accidental injury, the insurer shall pay according to the actual situation. There is a maximum limit for medical benefits, and accident medical insurance is generally not covered separately, but as an add-on to accidental death, disability, and disability.

4. Hospitalization allowance.

When the insured is temporarily incapacitated due to an accidental injury and is unable to work, the insurer pays the suspension insurance benefit.

500 yuan to cover 100,000 accidents and 5,000 hospitalizations.

Xueba talks about insurance, focusing on insurance evaluation! The elderly in the family have not bought insurance? Don't know which ones to buy? Take a look2000 pieces! Get your parents' insurance plan

Most families have a common problem: how to help the elderly buy insurance, the reason is that the conditions of insurance products greatly reduce the adaptation rate of the elderly to buy insurance.

Generally speaking, it is recommended to buy the following types of insurance for the elderly. ：

One is medical insurance. Medical insurance is still more important for the elderly, and as people get older, there are more physical problems. However, medical insurance will limit the age of the policyholder, if the elderly do not have many physical problems, and the age is still under 65 years old, they can choose some of the current popular million medical insurance.

If the elderly in the family are over 65 years old, there are not many medical insurance products that can be bought, and the protection content is also small, which is not worth it and is not suitable for ordinary families.

The second is accident insurance. The physical fitness of the elderly has deteriorated, and it is easy to fall and be injured when they are bumped and bumped, and the elderly may also have a traffic accident because they are slow to move and have no time to avoid the faster vehicles behind them, and accident insurance is a good protection that the elderly can choose. At present, there are more and more popular accident insurance, which is dazzling, how to choose to buy the right one?

Take a look at this and you'll have the answerIn 2020, the most worthwhile accident insurance is here

The third is cancer prevention insurance. We must know that the probability of the elderly buying critical illness insurance is basically not high, and the cost of buying a very small number of them is also high, and the cost performance is relatively low.

At this time, a cancer insurance is more important, because cancer insurance is not limited to age and physical conditions, and most elderly people can buy it. For the elderly, the chance of cancer is a little higher than that of young people, and there will be a lot of money needed for cancer, unfortunately cancer is likely to cause a financial burden to other members of the family, and the amount of cancer insurance compensation can reduce the burden to a certain extent.

In order to allow everyone to buy insurance suitable for the elderly at home as soon as possible, I will share with you a boutique strategyWhat are the insurance for the elderly, and what insurance is good for your parents, you all need to know

For accident insurance for the elderly over 60 years old, the first thing to determine is whether it is an insured accident and whether it meets the insurance regulations at that time. If the verification is correct, the insurance benefit will be paid. More professional consultation can be discussed

High compensation for fracture and dislocation protection] Huakang--Ping An Hongfu Card (dedicated to the first choice of parents, the grace of parenting, thus repaid).

Jointly launched by Ping An of China and Huakang Insurance** [national sales, national compensation].

Eligibility: Those who are in good health, able to live a normal life, and are not more than 69 years old.

200 yuan per copy, limited to 2 copies per person.

Duration of insurance: 1 year.

Coverage (per copy):

1. Death and disability in traffic accidents: 80,000 yuan.

2. Death and disability in non-traffic accidents: 40,000 yuan.

3. Accidental fracture and joint dislocation: 20,000 yuan.

4. Accidental medical treatment (hospitalization advance): 8,000 yuan (more than 100 yuan, 80% compensation).

5. Nursing allowance: 30 yuan a day.

Illustration: Ms. Zhang, 60 years old, Shanghai, accidentally slipped and fell while taking a shower in her bathroom, and fell down after her left hand was on the ground, resulting in a dislocation of her left shoulder joint and a fracture of her right ankle joint, and was discharged after surgery and hospitalization for 25 days. The cumulative cost is 15,000 yuan.

If they purchase two copies of the "Huakang Ping An Hongfu" card, they will receive the following insurance compensation.

The insurance company's compensation is as follows:

Left hand shoulder dislocation insurance = insurance amount Payment ratio = 40,000 40% = 16,000 yuan;

Right ankle fracture insurance = insurance amount Payment ratio = 40,000 60% = 24,000 yuan;

Accident medical insurance: (15000-100) 80%=11920 yuan;

Accidental hospitalization allowance = (25-3) 60 yuan per day = 1320 yuan;

A total of 53,240 yuan was compensated.

Extended leaky spring reading: [Dan search insurance] how to buy, which is good, teach you to avoid these insurance"pits"

The old man bought accident insurance.

Whether or not a sudden death is payable depends on whether the insurance is in effect or not. Generally speaking, accident insurance takes effect on the day after the insurance date, when the death of the insured can be paid; However, some accident insurance is not effective on the second day, for example, it takes effect on the third day after the insurance policy, and the death on the second day cannot be paid; A small number of accident insurance policies have a waiting period, during which the death of the insured will not be paid. Accident insurance.

As long as the accident meets the scope of the claim stipulated in the insurance contract, the insurance company has no reason to refuse to pay, and will settle the claim in strict accordance with the amount and method agreed in the contract.

Test your anti-risk index, experts will interpret it for you for free!

The exact amount of compensation depends on what the insurance contract stipulates. Regarding the coverage of accident insurance, this article has a detailed introduction: "What does accident insurance cover? These common accident insurance companies do not pay

It depends on what kind of insurance you buy, and how much you pay each year, the more you pay, the more compensation you pay, you can go to the insurance company for consultation.

You need to know the reason for death, and it depends on the type of insurance you buy, of course, the insurance company will set various thresholds to find ways to pay less.

The standard for calculating death compensation is based on the per capita disposable income of urban residents or the per capita net income of rural residents in the previous year at the location of the court where the lawsuit is filed, and is calculated over a period of 20 years. However, if the age is over 60 years old, the age shall be reduced by one year for each additional year; If the person is 75 years old, it will be counted as five years. There are four points that should be noted when claiming death compensation:

First, where the standard of the place of domicile or habitual residence is higher than the standard of the location of the court where the lawsuit is filed, attention should be paid to claiming in accordance with the standard of the place of domicile or habitual residence.

Second, for the same infringement that causes multiple deaths, such as mining accidents, fires, traffic accidents, etc., attention should be paid to claiming according to the highest standard among the victims and deaths.

Third, if there are dependents at the time of the death of the victim, attention should be paid to claiming the living expenses of the dependents in accordance with the standards of the victim's urban or rural areas.

Fourth, if the previous year's standards are published before the conclusion of the first-instance debate after indictment, the judge's attention shall be drawn to the calculation based on the latest data.

Legal basis: Article 29 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases.

Death compensation shall be calculated over a period of 20 years in accordance with the per capita disposable income of urban residents or the per capita net income of rural residents in the previous year at the location of the court where the lawsuit is filed. However, if the age is over 60 years old, the age shall be reduced by one year for each additional year; Those over the age of 75 are counted as five years.

Check with your insurance company for details.