In the case of sudden death, can I make a claim for the accident insurance I bought?

Is sudden death an accident, and in the case of sudden death, can the accident insurance you buy be claimed?

Many people will say, that must be counted, a good person is gone, and the accident insurance must lose money. However, most accident insurance does not cover sudden death, but some accident insurance can cover sudden death. Except for very common situations like heat stroke, suicide, self-harm, giving birth, accidents, one's food poisoning, altitude sickness, etc., most accident insurance does not pay.

What is sudden death? First of all, let's take a look at what the definition of sudden death is, sudden death refers to the appearance of a healthy person with certain diseases or certain mental disorders, and the non-violent death that occurs within a short period of time is sudden death. There are many causes of sudden death, including cardiovascular diseases, respiratory diseases, central nervous system diseases, drugs or poisoning, etc., from which we can conclude that sudden death is not an accident, and ordinary accident insurance will not have any liability for sudden death.

So what is an accident? In the insurance industry, the definition of accident must meet four conditions, external, sudden, unintentional non-disease accidental injury, to put it bluntly, that is, the injury comes from the outside, is sudden and sudden, not my own willingness, nor because I have my own physical problems. Then sudden death must be caused by physical reasons, so it is not an accident.

However, in the past two years, the protection liability of accident insurance products has become more and more comprehensive, and some accident insurance can cover the liability of sudden death. That is, when the insured dies of sudden illness, it is also possible to obtain a claim for accident insurance, and it is necessary to remind everyone that accident insurance has requirements for the time from sudden illness to death of the insured, and some products require that the time from onset to death must be within six hours, and some products require that the time from onset to death within 24 hours, it is also possible, so when we apply for accident insurance containing sudden death liability, in addition to choosing the occupational category related to our work, Try to choose products that are as long as possible from onset to death.

Of course, the last reminder is to stay up late, work less overtime, and have a healthy work and rest, so as to reduce the risk of sudden death.

The accident insurance you buy can be claimed, because sudden death itself is an accident, so sudden death can be claimed after buying accident insurance.

Yes, if your insurance covers this, then you can make a claim, which is stipulated in the insurance contract.

Of course, yes, as long as there is no problem at all if you meet the conditions for compensation, you must determine it according to the accident insurance you have purchased.

You can ask for accident insurance because sudden death is an accident in itself, and everyone doesn't want to die like this.

You will definitely be compensated accordingly. Since you have bought insurance, if you have some unexpected circumstances, you will get a very good compensation.

Is sudden death an accident? Can sudden death accident insurance be covered?

Is sudden death considered an accident?

Is there any compensation for sudden accidental death accident insurance?

Regarding sudden death, different types of insurance have different standards:1Accident Insurance:

90% of accident insurance will not pay, and a small number of accident insurance will separately state that sudden death is covered. 2.Medical Insurance:

Reasonable and necessary expenses such as inpatient department, outpatient serious illness and surgery can be reimbursed, and the rest will not be compensated. 3.Critical Illness Insurance:

If the critical illness insurance includes a liability for death, it will be paid. 4.Life Insurance:

The compensation of accident insurance must meet 4 conditions: that is, external, sudden, unintentional, and non-disease objective events that cause physical injury. Sudden death, in clinical medicine, is a physical disease, not an accident as everyone understands. See more**.

Is there any compensation for sudden accidental death accident insurance?

Accidental death should have four elements: external, sudden, unintentional and non-diseased.

Some people will think of an accident as an accidental death, and give some examples from life to illustrate the difference:

In the "elevator cannibalism" incident some time ago, the woman who was "eaten" died directly, which was caused by an accident;

A woman in Guiyang jumped off a building and committed suicide to death of a passer-by, and the man who was unfortunately stoned to death was caused by an accident;

There is also a family of a certain cult that beat the woman to death because they asked for ** from a certain woman to no avail, and the woman's death was also caused by an accident.

The above cases obviously have the four elements: foreign, sudden, unintentional, and non-disease.

However, accidents are sometimes not the direct cause of death, so how can you tell the difference?

For example, if a person suffers from a heart attack and is unfortunately hit by a car, it does not directly cause death, but it triggers the person's heart attack, and the person dies due to a heart attack, which is a death from the disease.

Analysis: The car accident only acts as a trigger, not this trigger will also have other sudden triggers, if the person is a healthy person, these sudden triggers will not take away his life, there is only one reason to take away his life: he has not ** heart disease.

Through the above analysis, although I don't know what the cause of this "sudden death" is, as long as it does not include the four major elements of accidental death, it does not belong to the category of accidental death and will not be claimed.

Sudden death refers to the sudden death of a person who appears to be healthy due to the sudden onset or worsening of an underlying natural disease. There are many causes of sudden death: including illness, mental factors, excessive fatigue, overeating, minor external force, infection, excessive heat and cold, sleep, vaccines, drugs, exercise, iatrogenic factors, etc.

Is sudden death an accident or not, and why is general accident insurance not compensated? According to insurance experts, accident insurance refers to the act or contract in which the policyholder pays a certain amount of insurance premiums, and the insurer promises to pay insurance benefits when the insured suffers physical injury caused by a disaster within a specific range, resulting in disability or death. 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 so-called external means that the cause of the injury is caused by factors other than the insured. Such as mechanical collision, smashing, compression, bites, scalds, burns, frostbite, electric shock, light radiation and other factors caused by physical damage and acid, alkali, gas poison and other factors caused by chemical damage.

These external factors cause signs of damage on the outside or inside of the 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. For example, there is a difference between an occupational disease caused by long-term work in a harsh environment and a sudden accidental physical injury, 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 was not foreseeable by the parties and not their will, and the result of the injury is an accident, and the injury caused by a non-accidental cause cannot be recognized as an accidental injury.

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.

It can be seen that although sudden death is sudden and unintentional, it does not meet the definition of accident insurance because it is not external, let alone caused by non-disease. Members of the public should fully understand the terms and conditions of the insurance and the scope of protection when purchasing life insurance. In insurance regulations, death is generally divided into two types:

One is accidental death and the other is death from disease. Sudden death is a death from disease, which belongs to life insurance, and the annuity insurance and critical illness insurance of general insurance both include the death liability of life insurance, so it will be paid; In addition, if the customer who died suddenly had term life insurance and died of illness, he or she could also get benefits. According to the difference between "sudden death" and accidental injury, the distribution of the deceased and the insurance liability of each type of insurance, it is wiser to insure life insurance than critical illness insurance, and whole life insurance in life insurance is the best choice.

Does sudden death insurance cover me? What kind of insurance will cover it?

Is sudden death considered an accident?

Is sudden death an accident? Can sudden death accident insurance be covered?

Is there any compensation for sudden accidental death accident insurance?

Generally speaking, sudden death is not covered by accident insurance, and "sudden death" is not an "accident", because sudden death is generally caused by the onset and deterioration of internal diseases, not external injuries. In general, the "accidental injury" considered by insurance companies is an objective event that is external, sudden, unintentional, and non-disease, causing physical injury. Therefore, most insurance companies do not cover compensation for sudden death.

However, due to the high pressure of people's lives and the frequent occurrence of death, some insurance companies are in humane considerations and have appeared accident insurance that specializes in "sudden death". In this case, "sudden death" is added as an additional liability. If you have a family member with a long-term heart problem or an underlying medical condition, this type of insurance can be a priority.

Sudden death is generally defined as sudden death if the patient dies within one hour of the onset of symptoms; Sudden death is a sudden, naturally occurring death that occurs unexpectedly. The World Health Organization (WHO) stipulates that people who die within 6 hours of the onset of the disease are sudden deaths.

Table of Contents 1**.

2. Clinical manifestations.

3 checks and 4 diagnoses.

5**1**The main causes of sudden death are coronary heart disease, heart failure and hereditary heart disease, and the patient will have irregular heartbeat, the heart suddenly beats too fast, contractions too fast, resulting in insufficient blood output, so that the brain and other body organs are deprived of oxygen, and the heart dies due to pause at the same time.

2. Clinical manifestations.

Mainly cardiac arrest and respiratory arrest. The following signs and symptoms may be present, in sequence: absent heart sounds; The pulse is not palpable, and the blood pressure is not measured; Sudden loss of consciousness, if accompanied by convulsions, is called Ass syndrome, the seizure can be self-limited, a few seconds or 1 2 minutes can be restored, and a long duration can be fatal; Breathing is choppy and sighs, then stops; Coma; Pupils are dilated.

The most important features of cardiac arrest are loss of consciousness and loss of aortic pulses. There are three types of ECG in patients with sudden cardiac death: ventricular fibrillation, sinus rest, and electromechanical separation of the heart.

It is expressly stipulated in the insurance contract that the accidental injury must be foreign, and sudden death is a death due to illness. It also provides a forensic dictionary explanation of the term for sudden death, "sudden death, also known as sudden death." People who appear to be healthy on the outside die rapidly and unexpectedly due to pathologies on the inside.

The Union Medical College Dictionary explains sudden death, "sudden death, non-violent, sudden, pathological death." They tend to be healthy before the onset of the disease, and even if they were pre-present, they are mild or have improved.

Is sudden death considered an accident?

Because sudden death is a disease, accident insurance does not cover it.

Accident Insurance:The accident referred to is generally an objective event that is external, sudden, unintentional, and non-disease.

Many people mistakenly think that sudden death is an accident, but in fact, sudden death is a disease that refers to the sudden death of a person who usually seems healthy due to an underlying disease or dysfunction of the body in a very short period of time.

Therefore, sudden death, which is a sudden death due to illness, is not covered by accident insurance, and many accident insurance clauses also explicitly list sudden death as an exclusion from liability.

If it is not caused by an accidental injury, the accident insurance will not be covered.

It depends on what kind of accident insurance, and the insurance liability includes this training.

It's not an accident, it's a disease.

Is there any compensation for sudden accidental death accident insurance?

Is sudden death an accident? Can sudden death accident insurance be covered?

Was sudden death an accident or a disease? Does accident insurance pay for it? Why?

Hello! Sudden death can be caused by many diseases, strenuous exercise, certain medications, etc., most of which are sudden cardiac death. Sudden death can be counted as an accident.

Under normal circumstances, accidents covered by accident insurance should have four major elements: external, sudden, unintentional and non-disease, and sudden death is usually not within the scope of accidents covered by accident insurance. In response to this situation, an accident insurance product that provides protection for the sudden death of the elderly is specially designed.

Some of the products in the "Elderly Care" health care series not only cover critical illness and accidental medical hospitalization allowances, but also have a unique design of sudden death protection, which is very suitable for people in need of sudden death protection, and the specific products include: middle-aged care (51-55 years old) plan II and plan III. For more information on accident insurance products that cover sudden death, please click here