How much is personal accident insurance 1 million a year

As of December 2019, an an1 million accident insurance starts at 34 yuan a year。This type of accident insurance mainly refers to train accidents and ship accidents. This product covers 1-5 types of occupations, and the corresponding ** and insurable amount of insurance are different for different occupations, in order to avoid affecting the claim, please apply for insurance according to the occupation you are actually engaged in.

According to the regulations of the China Insurance Regulatory Commission, except for aviation accidents and accidental deaths of major natural disasters, the death insurance amount of any insured under the age of 10 shall not exceed RMB 200,000; For the insured who has reached the age of 10 but is under the age of 18, the death insurance amount shall not exceed RMB 500,000, and the insurance amount exceeding the limit stipulated by the China Insurance Regulatory Commission shall not be liable for insurance.

18-40 years old 1692 yuan, 41-50 years old 2679 yuan, 50-55 years old 3194 yuan, the main insurance million insurance liability: aviation accidents, water accidents, land traffic accidents death or high disability 1 million, a lifetime of safe return of 120% of the premiums paid, 220 yuan is consumption, accidental death of 180,000, accidental medical treatment of 50,000, hospitalization allowance of 80 yuan for 1 day.

In addition to these insurance products, there are many other insurance products on the market, such as Asia-Pacific Personal Comprehensive Accident Insurance, Worry-Free Comprehensive Accident Insurance, Occupational Accident Insurance and so on. In short, when you buy accident insurance, you still have to choose according to the actual situation, sometimes it is not necessarily expensive is good, you have to choose the most suitable for yourself. In addition to looking at the premium, the most important thing is to look at the insured amount of the insurance product, and then pay attention to the details of these insurance products, and then sign a contract with the other party.

The premium of accident insurance with a million sum insured is basically between 200 yuan and 300 yuan, which is relatively low compared with other types of insurance.

1. Personal accident insurance

Personal accident insurance, that is, personal accident insurance, refers to an insurance that pays a certain amount of insurance money to the insured or beneficiary in accordance with the agreement between the two parties due to the death or disability of the insured due to an accident, medical expenses or temporary loss of working capacity due to an accident within the agreed insurance period. The benefits are divided into death benefits, disability benefits, medical benefits and suspension benefits.

The so-called accidental injury refers to an objective event in which the insured's body is seriously traumatized due to unintentional, external and unpredictable causes. If a person drowns while swimming, it should be an accident; Death from a heart attack in the water is not an accidental injury because it is caused by a disease that already exists in the body. It is generally characterized by low payment and high protection.

2. The premium of personal accident insurance

Consumer-type accident insurance is cheap for more than 100 yuan a year, but you can buy it yourself, but you can't stack the compensation, and it is expensive by thousands. The return-type accident insurance is basically thousands, but it can be returned with interest after decades of payment, and the protection time is ten years longer than the payment time.

Chinese Insurance Company has launched an accident insurance product Chinese Insurance Big Armor No. 2 that benchmarks Internet celebrities, and the protection content is as follows:

1. **Cheap, the maximum insurance amount of 1 million is only 299 yuan;

2. The supreme version of accidental medical treatment, not limited to social insurance coverage and 0 deductible;

3. The maximum death insurance amount for acute illness (including sudden death) is 500,000;

4. The maximum insurance amount for aviation accidents is 5 million, and the maximum insurance amount for trains (including subways and light rails) and ships (passenger ships, ferries, and cruise ships) is 500,000 yuan; The insurance amount for riding a car and driving a non-operating car is 300,000 yuan, and the insurance amount for holidays is doubled.

The age limit is 18-60 years old. Occupation requirements, one to three types of occupations, if you are a construction worker, a truck driver, a mining worker, or a person who works at height, do not take out insurance, you will not be able to get compensation smoothly. Travel Accident Insurance:

When traveling abroad, be sure to purchase travel accident insurance, which not only covers high-risk sports, but also provides overseas rescue and other services; High-risk occupational accident insurance: For many high-altitude work, construction workers, factory machinery workers, etc., the occupational risk is relatively high, so ordinary accident insurance cannot be purchased, and specific high-risk occupational accident insurance needs to be purchased.

Different accident insurance has different coverage**.

Take Big Armor No. 2 and Xiaomi Comprehensive Surprise 2020 as examples.

Big Armor No. 2: Not only is it comprehensive, but it's not expensive. With an insurance of 1 million yuan, the annual premium is only 299 yuan, which is the preferred product for millions of medical insurance.

Xiaomi Comprehensive Accident 2020: The biggest highlight is that the medical reimbursement is good, and the ** insurance of 1 million is also 299 yuan, which is very cheap.

It can be seen that the accident insurance is not expensive, you can get a very good protection for a few hundred yuan a year, and most people can afford it, and the practicality is still very high.

So, what does a good accident insurance look like?

1. Accidental death.

Good product: No restrictions on death scenarios.

Deficient products: Limit the scenario of accidental death.

2. Accidental disability.

Good product: 10 levels of insurance, 281 disabilities.

Deficient products: Only the most severe types of disability or total disability are covered.

3. Accidental medical treatment.

Good product: no limit to social security, 0 deductible, 100% reimbursement.

Insufficient products: only social security reimbursement, with deductibles, and low reimbursement ratio.

In general, a good accident insurance policy should cover as wide a range as possible so that it can cover most of the unexpected risks.

First of all, you must know what your age is, if you are about 20 years old, 1 million personal accident insurance, it may be seventy or eighty yuan per year, if you are forty or fifty years old, then this insurance may reach hundreds of yuan per year.

The ** for a year may be about 1000 yuan. Because after all, this kind of 1 million personal accident insurance, if it is too cheap, is not very reliable.

The annual premium charged by general insurance companies is about 100 yuan to 300 yuan, and this kind of personal accident insurance is also divided into several types.

Generally, the premium of 1 million insured amount of personal accident insurance is about 300 yuan, and different products are slightly different. Most of the accident insurance mentioned in ordinary times refers to comprehensive accident insurance, which mostly includes several parts such as accidental injury protection, accidental injury medical insurance, and accidental injury living allowance. As far as the comprehensive accident insurance on the market is concerned, it generally covers accidental injury and accidental medical treatment, and some will include sudden death, specific traffic accident benefits, etc.

How to buy accident insurance, I have some personal principles to share with you, if the insured is engaged in IT or financial **, this kind of work pressure is relatively high, the working hours are relatively long, then it is best that the accident insurance we buy includes sudden death liability.

If the insured travels a lot and works all over the world, then we focus on whether the public transportation liability of this accident insurance includes the liability of online car-hailing, and whether the public transportation liability is in public transportation such as airplanes and trains.

If the insured is engaged in a profession with a certain amount of physical strength, or has a certain degree of danger in daily life, then we will focus on whether the disability liability in this insurance only includes total disability or high disability liability.

If the insured is a child, the child is more lively, and the sense of danger is not enough, they bump and bump Cat scratch dog bite is a more common accident, if the accident insurance includes the terms of reimbursement of accidental medical treatment is definitely the less, the better, if the accidental medical treatment can include special needs or private medical treatment, it must be the best, because we know that the general public hospital (including the pediatric research institute such as the top public hospital for children), the child bumps and breaks, it is impossible not to stitch, if it is injured on the face, Then we can go to a private hospital without stitches, and we can greatly reduce the probability of a child leaving a scar.

In addition, I will talk about the question of cost performance, generally an accident insurance, 500,000 accident insurance amount, the premium is 500 yuan - 1000 yuan per year, of which the return type (how many years without insurance, the money can be returned to the customer) ** will be relatively high, the consumption type (there is no insurance in the year, the premium will be consumed) is more cost-effective, and the flexibility is relatively strong (for example, three or five years ago, the insurance liability did not include online car-hailing, because online car-hailing is a travel tool that has only emerged in recent years).

All in all, sugarcane is not sweet at both ends, and when we buy insurance, we must first meet our actual needs with the protection responsibility.

Hello pro 2300ha The premium of more than 100 yuan leverages the sum insured of millions, and the leverage of accident insurance is relatively high. Moreover, the range of people who can buy accident insurance is also relatively wide, and the restrictions on illness are not as many as those of medical insurance, and the health notice is relaxed. The premium of accident insurance with an insured amount of 1 million is basically between 200 yuan and 300 yuan, which is relatively low compared with other types of insurance.

However, many accident insurance policies that can be insured for 1 million yuan will require an annual income of more than 100,000 yuan, and it is recommended to consider buying two accident insurance policies of 500,000 yuan. In addition, if you buy accident insurance, it is more appropriate to have an insurance amount of 50-1 million.

298 yuan a year.

One-year accident insurance, 298 yuan a year, is very cost-effective. Accidents, as the name suggests, cover situations caused by accidents.

Accident in the Insurance Law refers to an objective event that is injured by an external, sudden, unintentional, or non-diseased body.

See what you want? If it is only a traffic accident, the 1 million yuan of an aviation accident is not much money, the consumption type is 200 yuan per year, the savings return type is less than 2,000 yuan per year, and if it is an accident, it will be more expensive, 2300 yuan per year

Summary. Personal accident insurance 1 million premium 200-300 yuan. Accidental death benefit is 1 million, sudden death 500,000 (500,000 for 18-55 years old, 250,000 for 55-65 years old), 50,000 yuan for accidental medical treatment (social security is not limited, 0 deductible is 100% reimbursement), and hospitalization allowance is 150 yuan a day.

The price is 299 yuan per year, and people aged 18-65 can be insured.

Personal accident insurance 1 million premium 200-300 yuan. Accidental death benefit is 1 million, sudden death 500,000 (500,000 for 18-55 years old, 250,000 for 55-65 years old), 50,000 yuan for accidental medical treatment (social security is not limited, 0 deductible is 100% reimbursement), and hospitalization allowance is 150 yuan a day. List price is:

299 yuan per year, 18-65 years old can be insured.

Everyone's pension little bee No. 2 Supreme Edition: accidental death benefit is 1 million, sudden death 500,000, accidental medical treatment 20,000 (social security is not limited, 0 deductible 100% reimbursement), hospitalization allowance 150 yuan a day, vaccination accidental injury 500,000, vaccination accidental medical treatment 50,000, and aviation protection of 2 million.