How do I apply for personal accident insurance online?

If we want to apply for personal accident insurance on the Internet, we need to go to the official platform of the corresponding insurance company to carry out a series of operations. We first need to understand the corresponding insurance companies in the market, and then choose the insurance company with a good reputation, and go to the official ** of the insurance company to register our personal information. Then we can buy the insurance products in this insurance company, and then we can choose the personal accident insurance in the insurance product category.

Now it is very easy to buy various insurance products, we can operate directly on the network, after all, the network is very developed now, which can save us a lot of time and energy. When we apply for personal accident insurance on the Internet, we should also conduct a reasonable analysis and comparison of these products, and then choose more cost-effective insurance products according to our actual situation, so as to be able to better obtain profits. <>

Personal accident insurance can provide a good guarantee for our lives, when we encounter a variety of accidents in our daily life, we can choose to file with the insurance company in time, and then the insurance company will review it for us according to a certain process. When the review is passed, we can get the corresponding compensation. Before we buy these insurance products, we should also have a certain understanding of the market and try to choose a legal and formal platform to purchase.

When we buy personal accident insurance, we try to choose a large company with a good reputation, so that the products we buy can have a certain amount of protection, and our follow-up services can be more stable. There are also many large companies with good reputation in the market, and the insurance products in these companies have a certain amount of protection, and many consumers will choose these insurance products, so we should take a look at the market and compare more.

Internet personal accident insurance can be purchased through the official website and official WeChat of the insurance company, as well as through the platform of the insurance brokerage company and the third-party online platform. When applying for online personal accident insurance, it is necessary to determine the type of accident insurance first, whether it is long-term or short-term. When choosing insurance products, it is recommended to pay attention to the protection responsibility, it is recommended to choose a comprehensive personal accident insurance with accidental death, accidental disability, accidental medical treatment and other protection responsibilities, in addition, you should also pay attention to the scope of exemption when applying for insurance, which can avoid later claim disputes.

First of all, you should enter a relevant official website, and then go directly to find this personal accident insurance, click OK to purchase, and then enter your personal information, and the insurance will be successful directly.

To buy accident insurance online, you can go to the official website, official WeChat, APP, or insurance ** platform with Internet insurance sales qualifications to buy, or you can contact insurance brokers and insurers to apply for insurance through their insurance link.

When applying for insurance, you need to pay attention to the insurance instructions, protection responsibilities, exclusions, etc. of accident insurance.

Accident insurance refers to the insurance in which the insurer pays the insurance benefits in accordance with the agreement if the insured suffers an accidental injury during the insurance period and dies or becomes disabled due to the accidental injury. Accidental injury here refers to the injury to the body caused by an external, sudden, unintentional, and non-disease objective event as a direct and isolated cause.

Accident insurance covers the main liabilities: disability and death. It also has a lot of additional protection responsibilities, such as accidental medical expenses, accidental hospitalization allowance, fracture allowance, traffic accident (airplane, public transportation, self-driving, online car-hailing, etc.), ambulance expenses, emergency rescue, sudden death, personal liability in public places, etc.

According to the coverage time, there are short-term (as little as a few days, more than a few months), one-year and multi-year, and lifetime accident insurance.

According to the way of insurance, there are accident insurance for individuals, and accident insurance for enterprises and groups.

When applying for accident insurance, you need to pay attention to the following information: the insured's age, occupation, income, location, product protection area, protection liability, exclusions, premium, sales area, insurance notice, etc. In particular, the amount of compensation for each liability; Whether the accidental medical limit is a one-time limit or an annual limit, and whether it includes items not covered by social insurance; Whether there is a deductible for medical expenses, allowances, etc., and whether it is 100% covered; whether there is extended high-risk exercise; The range of hospitals that can be treated, and whether there are hospitals in certain areas that are excluded; Does the travel accident insurance include the city's coverage, how to make a claim, etc...

Accident insurance seems to be relatively simple, and it is not high, especially for one-year products, there are many products on the market, each with its own characteristic advantages, of course, there are many details that are different, and we consumers need to understand clearly before purchasing.

1.When buying accident insurance online, you must pay attention to the insurable age, some are 3 years old, some are 18 years old, some are 65 years old, some are only 60, according to the age of their family members, it is not difficult to choose a product. When you apply for accident insurance online, you can pay attention to the insurance age.

2.Effective time, because there is no waiting period for accident insurance, so under normal circumstances, we will default to the accident insurance after it is successfully insured, it will take effect the next day, but not all accident insurance is like this, some accident insurance will not take effect until a few days after being insured, and it will take effect after three days and four days, so be sure to read the terms carefully.

3.Occupational categories, accident insurance products are many, different products can be insured occupations are different, some 1-3 types of occupations in the scope of coverage, some are slightly wider, underwriting is 1-4 categories, of course, there are 1-6 categories, and some special products, insurance is 5-6 categories, which also shows that when buying insurance, you must take a look at the insurance company's occupational category table to see which kind of occupation you are engaged in. If you are engaged in 4 types of occupations, but you have purchased 5-6 types of accident insurance, if you have an accident, the insurance company will refuse to pay.

4.Medical expenses, reimbursement in reality, the biggest possibility of using accident insurance is the problem of accidental medical reimbursement, of course, how to reimburse the medical expenses of accident insurance is very important. Generally, it is necessary to understand the scope of reimbursement drugs, some accident insurance is to protect the scope of social security drugs, and some do not restrict the use of drugs.

Deductibles also need to be noted, some deductibles are 100, some are 200, some have no deductibles, and the deductibles are different for different products. In addition, the reimbursement ratio is also a point to pay attention to, and the reimbursement ratio is different for different products, some are 80%, and some are 100%.

5.Hospitalization allowance, hospitalization allowance is not included in all accident insurance, different products, the amount of allowance is also different, 30 yuan a day - 200 yuan a day, in addition to the amount of hospitalization allowance, the number of days of hospitalization allowance stipulated by different accident insurance is also different, some are deducted three days before hospitalization, and some are prescribed days. The terms of accident insurance are relatively simple, and the policyholders who have the purchase needs can read them carefully, and if they have other questions, they can consult with a professional insurer and buy the right insurance to truly resist the risk and obtain protection.

Ping An Health Insurance is grateful and grateful!

Ping An e-Life Insurance Plus

6,000,000 medical coverage.

Ages 0-60 are eligible.

As low as Yuan Tian.

Rewards: 1) If the same insured user exceeds 400 yuan, he can get the physical examination card service.

2) The user (new) can receive 100 yuan for binding the card.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

How to buy children's accident insurance? Is it convenient to buy online.

Although there is no need to do health notification for accident insurance, and it is also very cheap, if you want to buy a suitable accident insurance, you can't buy it randomly, you must be optimistic!

Accident insurance can be purchased by following the steps below:

1. Determine the type of product:Nowadays, there are one-year accident insurance and long-term accident insurance, and generally one year accident insurance is purchased.

2. Determine the sum insuredThe death insurance for adults is 30-1 million, and the death insurance for children is only 200,000.

3. Select Protection:Adults only need to have a high enough insurance amount for death and disability, while buying for children and the elderly is mainly concerned with the accidental medical part.

4. Select the product:At this time, according to your own insurance needs, you can choose cost-effective, more comprehensive protection, or high insurance amount.

5. Confirm the purchase:After determining the product, you can go to the official website of the insurance company to buy it, or buy it through the insurance person, or you can go to a third-party platform to buy it. Basically, these purchase channels are formal and credible, and policyholders can choose their own insurance methods.

In fact, there are many kinds of risks in life, and we can't take risks, but we can find ways to avoid risks or transfer risks. As far as life is concerned, it is necessary to purchase a personal accident insurance.

Internet Purchases:With the development of the Internet, insurance is no longer limited to offline purchase, and insurance companies provide online purchase of insurance products.

Insurance company over-the-counter purchase:Directly bring your ID card information and bank card to the insurance company's counter to purchase, this way can help users familiarize themselves with each clause of insurance, but it is relatively time-consuming.

Buy directly from an insurance broker:This is a more trouble-free insurance method, usually the user does not need to go to the insurance company, but also can communicate with the insurance broker in the form of **, text message, to understand the relevant matters of insurance products.

The above methods can be insured, it should be noted that you must remember to choose a regular insurance company when applying online. Users can choose the insurance method according to their actual situation.

There are three steps to choosing personal accident insurance:

1.Look at the risk: different people encounter different types of risks, people who often fly need aviation accident insurance, people who often drive need traffic accident insurance, and people who often stay up late and work overtime may need different things, so they need to judge the risk probability according to their personal situation, professional status, etc., and choose the corresponding protection;

2.Look at the protection: mainly look at the content of the insurance, the effective time, the age limit of the insurance, whether there is an exemption clause, etc.;

3.Matching buying: Accident insurance can be superimposed on claims, which risk is higher to buy more, which risk is less to buy less, this is all need to be controlled by yourself.

How to buy personal accident insurance?

See what you cover.

An accident insurance generally covers accidental death, disability liability and injury medical liability, and customers can also add accidental hospitalization and lost work allowance, hospitalization care allowance, ambulance expenses, etc. according to their needs.

Recommendation: Comprehensive accident insurance is preferred for the first accident insurance.

We recommend choosing an accident insurance that includes the first four insurance coverages above, or adding accidental hospitalization and loss of work allowance, hospitalization care allowance insurance liability, which will not increase the premium much, but it can solve many problems. The first thing to do is to see the scope of coverage, and it is recommended to buy the first accident insurance that includes the above insurance responsibilities.

Look at the deductible and reimbursement ratio.

Accidental death and disability liability are paid according to the level of injury, there is no deductible, and the general deductible for accidental injury medical treatment is 100 yuan, and you can choose the accident insurance of other insurance companies for reference above this standard.

Duration of insurance and hospital restrictions.

Customers should carefully read the terms and conditions of the insurance, pay attention to the length of the insurance period, whether there are restrictions on the hospital and whether it can be reimbursed for outpatient services, etc., in addition, it is also necessary to understand the liability exemption, insurance period, claim procedures, whether there are restrictions on the hospital to be visited, etc. For people with a high occupational risk factor, the insurance company will increase the fee or refuse to insure.

Personal needs and the nature of the work.

After the comprehensive accident insurance, you can add accident protection according to your needs or the nature of your work, such as traffic accident insurance, travel accident insurance, and private car accident insurance. The first two types are more common, private car accident insurance is a travel protection provided by the insured to travel in or drive a private car.

How much does accident insurance cost per year?

It depends on whether it is a long-term payment accident or a one-year accident, whether it is a consumption type or a return type, and what is the amount of insurance. If you are a year-old consumption type, with an insurance amount of 100,000 yuan and a medical treatment amount of 10,000 yuan, you can buy it for a few dozen yuan at the cheapest.

Lawyer Liu Yanbo answers: You are very happy to answer your legal questions about how to make claims for personal accident insurance. First of all, the personal accident insurance purchased by the company for employees should refer to the commercial insurance purchased by a commercial insurance company.

In the event of a personal accident, the claim mainly depends on who pays the premium. If the premium is paid in full by your employer, and there is a "labor and employment contract" with the employee, then the employer can apply to Baoqiao Model Insurance Company to use this compensation for compensation, which is legally allowed, because the policyholder is the unit itself, but the insurance company must cooperate with the certificate issued, otherwise, the compensation will be fully credited to the account of the accidental injury. If the employer deducts the employee's income to offset the premium at the time of insurance, then all the benefits of this compensation belong to the accidental injured person in law, and the full amount should be paid to the accidental injured person, and the employer should pay as much as it should pay, and this compensation shall not be used to offset it.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"