Mosquito bites belong to accident insurance, can insect bites be reported accident insurance?

Mosquito bites are not covered by accidents and are not claimed.

Accident insurance. The principle of proximate cause is required, which refers to the most direct, effective and decisive cause of loss between risk and loss, rather than the closest cause in time or space. The principle of proximate cause refers to the direct causal relationship between the judgment of the risk accident and the loss of the subject matter of the insurance.

Therefore, a basic principle for determining insurance liability is the principle followed by the insurance parties when dealing with insurance cases or court hearings related to insurance compensation, investigating the cause of the occurrence of the incident and determining the attribution of the liability for the event. According to the principle of proximate cause, when the risk accident insured by the insurer is the proximate cause of the loss of the insured object, the insurer shall be liable for compensation (payment).

In this question, what are the proximate causes of mosquito, dog, and snake bites? As soon as you analyze it, you will understand.

Snake - snake venom - poisoning - hospitalization (snake venom is the proximate cause, poisoning hospitalization caused by snake venom, snake venom is the responsibility of the snake itself is clear).

Dog - Dog Tooth - Trauma - Hospitalization (Dog tooth is proximate cause, Dog tooth caused by trauma hospitalization, Dog tooth is the dog's own, responsibility is clear).

Mosquito - virus - sick - hospitalized (the virus is the proximate cause, the virus causes the sick hospitalization, the virus is not the mosquito itself).

Therefore, mosquito bites do not pay, dogs and snakes bite do not pay. The proximate cause of mosquito bites is actually a viral infection.

It really has nothing to do with mosquitoes.

Personal Accident Insurance Coverage:

4. Suspension of work payment: When the insured temporarily loses the ability to work due to accidental injury and is unable to work, the insurer pays the suspension insurance benefit

Hello, generally speaking, mosquito bites are accidental medical treatment, as long as your accident insurance includes accidental medical treatment, whether you see an outpatient or hospitalization can be reimbursed, if there is only accidental injury, then it cannot be compensated. Insurance is a very fine thing, what to buy and what to insure!

If you are bitten by insects, you can report accident insurance.

Accident insurance generally covers accidental medical treatment, accidental dismemberment and accidental death. If you are bitten by an insect and need to see an accidental outpatient or hospitalization, you can use accidental medical treatment for reimbursement; If the insect bite is more severe and causes disability or death, then the disability or death benefit of the accident insurance can also be claimed. Your habits are killing you, test how dangerous you are!

The general accident in accident insurance refers to the injury caused by an external, sudden, unintentional, and non-disease event.

1. External: refers to accidental injuries caused by external causes of the body, such as lightning strikes, heavy rains, fires, etc.

2. Suddenly: refers to accidental injuries that occur in a very short period of time and are too late to prevent, such as being hit by a car while walking outdoors, accidentally being bitten by a cat paw dog, or a flower pot that suddenly falls upstairs.

3. Unintentional: refers to accidental injuries that occur objectively rather than intentionally, such as air crashes, sea disasters, and mudslides.

landslides, etc. 4. Non-disease: refers to physical injury caused by non-disease, as we often say, sudden death is a disease, not an accident.

Especially in the settlement of accident insurance claims, when judging whether the matter is an accident, the above four factors are generally indispensable. When we buy accident insurance, we should also understand the scope of liability of accident insurance, which generally includes accidental disability, accidental death and additional accidental medical treatment.

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

Accident insurance is generally for foreign, non-disease, incapable, unintended accidents caused by economic losses to provide protection, in order to avoid later claims disputes, it is recommended that tourists carefully read the terms of accident insurance before departure. Can the insurance cover accidental injuries such as death from mosquito bites?

Accidental injury refers to an external, sudden, unintentional, and non-disease objective event. The cause of death from mosquito bites is often due to malaria, which itself is a disease, but the direct cause of death of the insured is malaria caused by the bite of Anopheles mosquitoes, and there is great controversy about whether this situation is an accidental injury. Due to the different scope of risks covered by each type of insurance, the insurance rates and premiums are also different.

If you want to cover the risk of unexpected illness, you can take out other types of insurance, such as health insurance. In order to avoid the trouble of later claims, it is recommended that you should purchase insurance through a formal insurance platform, and Huize has integrated accident insurance and health insurance products provided by a number of well-known insurance companies on the Internet, and consumers are welcome to come to comprehensively compare and purchase and consult. WiseChoice Comprehensive Accident Medical Advance Benefit (China Life Version) Basic Plan Benefits:

Accidental Death Disability 100,000 Yuan* Accidental Medical Treatment 10,000 Yuan* Guarantee or disbursement of hospitalization medical expenses as low as: 60 yuan as low as Volkswagen Wise's white-collar health series coverage:* Accidental Death Disability Burns Medical Treatment Hospitalization Allowance* Critical Illness Insurance* Public transportation accidents as low as:

From $350.

In the past, we have assisted clients in cases where they were scratched by monkeys and the insurance company also made a claim. According to the definition of accidents, foreign, unintentional, non-diseased, and sudden accidents that cause physical injury can be counted as accidents, so if you are bitten by mosquitoes, and the accident insurance you buy includes the protection of accidental medical treatment, according to the terms of the claim, the statement that "if it is too serious, it may be compensated" may be for accidental injury protection liability, this protection responsibility refers to death or disability due to accidents, The insurance company will only pay for it, and the possibility of death or disability caused by mosquito bite should not be very high. Most of the accident insurance sold on the market is a combination of multiple protection responsibilities, at least there are two protection responsibilities of accidental injury and accidental medical treatment, and there are very few one-year accident insurance that only covers "death or disability".

Therefore, the key to whether you can make a claim lies in whether the accident insurance you purchased has the protection of accidental medical treatment, and pay attention to the setting of the deductible for accidental medical treatment, which is generally 50 or 100.

It depends on how much you spend, whether it's outpatient or inpatient. If it is an outpatient clinic, it may not be covered by the reimbursement, because most accident insurance now does not cover outpatient reimbursement, depending on the terms of the accident insurance.

If you see what the redness and swelling look like, if it's too serious, you may be compensated.

Count, I don't know which one you bought? Claims are available**.