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Anonymous users2024-02-13Accident insurance.
It refers to life insurance that is subject to death or disability caused by accidental injury.
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.
1. Accident insurance coverage:
1. Death benefit.
2. Disability benefits.
Accidental death benefit and accidental disability benefit are the basic responsibilities of accident insurance, and their derivative liabilities include medical benefits and lost time pay.
Benefits, funeral expenses.
Benefits, etc. 2. Accident insurance liability:
The liability of accident insurance is the death and disability of the insurer caused by the accident. Not responsible for death due to disease. As long as the event that causes the insured to suffer accidental injury occurs during the insurance period, the insurer shall bear the insurance liability and pay the insurance money.
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Anonymous users2024-02-12Our accident insurance here is 57 yuan for one year, the accident insurance is 100,000 yuan, the accidental hospitalization medical treatment is 10,000 yuan, and there is a subsidy of 50 yuan per day for accidental hospitalization. There is also a 60 yuan insurance for one year, the accident insurance is also 100,000, and the accident medical treatment is also 10,000. The difference from the preceding paragraph is that the outpatient accident medical expenses are also covered, but there is no daily allowance for accidental hospitalization.
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Anonymous users2024-02-11Legal analysis: The rates of each company are different, and the content of the insurance is also different. It is possible to insure 300,000 for 150, but only for death. It is also possible to cover 150 and 100,000, but death and disability are fully covered. It depends on the insurance contract.
Legal basis: Insurance Law of the People's Republic of China Article 36 The contract stipulates that the insurance premium shall be paid in installments, and after the policyholder pays the first insurance premium, unless otherwise agreed in the contract, if the policyholder fails to pay the current insurance premium for more than 30 days from the date of the insurer's reminder, or fails to pay the current insurance premium within 60 days of the agreed period, the validity of the contract shall be suspended, or the insurer shall reduce the insurance amount in accordance with the conditions agreed in the contract. If an insured accident occurs within the time limit specified in the preceding paragraph, the insurer shall pay the insurance money in accordance with the contract, but may deduct the outstanding insurance premium.
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Anonymous users2024-02-10Summary. $150 accident insurance is the lowest level. Accident insurance mainly includes personal accident insurance, group accident insurance, aviation accident insurance, travel accident insurance, overnight passenger accident insurance, and overseas personnel accident insurance. ”
Hello, it's a pleasure to serve you! I am engaged in the financial field cautiously professional, here is looking at your problem, the inquiry needs some time, please wait a little don't be in a hurry, thank you.
$150 accident insurance is the lowest level. The main state chain of accident insurance must have personal accident insurance, group accident insurance, aviation accident insurance, travel accident insurance, accommodation passenger accident insurance, and overseas stool track personnel accident insurance. ”
If you have an illness, does it belong to this insurance?
If it is caused by an accident, it will be reimbursed, and if it is not caused by an accident, it will not be claimed.
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Anonymous users2024-02-09Hello, dear, how much can Taiping Insurance pay for 50 yuan accident insurance, it needs to be determined according to the responsibility of the insurance contract, and the corresponding claims are also different for different responsibilities. Before understanding how much money you can lose, you need to understand that accidents refer to sudden, external, unintentional, and non-disease events. Accident insurance generally covers the following liabilities:
Accidental Death, Accidental Dismemberment, Accidental Medical Treatment. Accidental death refers to the death of the insured due to sudden, external, unintentional or non-disease reasons. If the sum insured of this 50 yuan accident insurance is 200,000 yuan, then the insurance company will pay a lump sum of 200,000 yuan.
Accidental disability is also due to an accident that causes the insured to have a physical disability, which can only be claimed. At this time, it is generally necessary for the insured to conduct a disability level appraisal first, and then the insurance company will pay compensation in proportion to the disability level. The highest disability level is level 1, and the corresponding compensation ratio is 100% of the sum insured; The minimum level is 10, and the corresponding compensation ratio is 10% of the sum insured.
There is a situation that should be noted that if the insured dies in an accident after making a claim for accidental disability insurance benefits, then the accidental death insurance benefits of the claim at this time generally need to deduct the amount of the disability insurance benefits that have been claimed, and then pay the remaining part. Accidental medical treatment is the medical expenses incurred by the insured due to accidents, which can be reimbursed through insurance, and this responsibility is actually very practical, ranging from cat claws and dog bites, bumps and bruises, to traffic accidents, and the medical expenses generated can be managed. However, this liability is generally low, and the amount of 10,000 or 20,000 is already relatively high.
Most accidental medical liabilities are 0 deductible and 100% reimbursement, but your 50 yuan a year accident insurance still needs to look at the specific liability, whether there is a deductible, what is the reimbursement ratio, whether the reimbursement scope is limited to the social security catalog, whether you need to be reimbursed after medical treatment as a social security identity and other important information to determine how to pay.
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Anonymous users2024-02-08Summary. Hello, it's a pleasure to serve you! Taiping Insurance 200 Yuan Accident Insurance Pacific 200 Yuan Accident Insurance is a one-year accident insurance product with a premium of 200 yuan, and its insurance age is 16-60 years old.
You're good and happy to serve you. Taiping Insurance 200 Yuan Accident Insurance Pacific 200 Yuan Accident Insurance is a one-year accident insurance product with a premium chain of 200 yuan, and its insurance age is 16-60 years old.
The insurance liability of Pacific 200 yuan accident insurance is to compensate for the loss caused by the accident injury of the insured within the guarantee period, and the compensation standard is to compensate in accordance with the standard agreed in the insurance contract, including the insured's personal injury disability expenses, death expenses and accidental medical expenses, the specific compensation standard of Pacific 200 yuan accident insurance is accidental death, total disability insurance 100,000 yuan, accidental disability insurance is according to the disability level of the proportional compensation disability insurance money, The maximum compensation is 50,000 yuan, and the cost of accident medical treatment is reimbursed according to a certain percentage, and the maximum reimbursement is 10,000 yuan.
Does death due to sudden illness count?
Is it in insurance. This one counts.
Reinsurance coverage.
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Anonymous users2024-02-07Hello, China Taiping Insurance Company is still relatively rich.
According to the insurance subject, it can be divided into individual insurance and group dry cultivation insurance.
According to the business protection object, it is divided into four categories: property insurance, life insurance, liability insurance and credit insurance.
Life insurance mainly includes: personal accident insurance, illness insurance (also known as health insurance), life insurance (divided into death insurance, survival insurance and both).
The main types of insurance of general insurance companies are divided into: car insurance, accident insurance, travel insurance, health insurance, life insurance, home property insurance, enterprise insurance, etc.
There are also many other different ways to divide the division that I hope will help you.
Extended reading or comic reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"
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