What does traffic accident insurance cover, and do young children need to buy it?

Hello! Nowadays, people travel by more and more means of transportation, the risk is also increasing, missing planes crashes, shipwrecks, crashes and other accidents occur from time to time, once out of danger, it is a disaster for the victims themselves and their families, minor disability, serious death, these will affect the quality of life of the family. Traffic accident insurance is based on the body of the insured as the subject of insurance, and the insured as a passenger as a passenger suffers an accidental injury accident during the period of taking the passenger public transportation resulting in death, disability, medical expenses, etc. as the conditions for the payment of insurance benefits, mainly covering trains, planes, ships, automobiles, subways and other means of transportation.

If you buy traffic accident insurance, you can get some compensation even if you don't have an accident, and pass on the financial risk to you and your family. From this point of view, it is necessary to purchase traffic accident insurance.

Compared with traditional traffic insurance, traffic accident insurance covers planes, trains, ships, cars, subways and other means of transportation, and some products even stipulate that the insured can also be compensated for accidents such as buses and taxis.

Young children also need to have traffic accident insurance

Legal analysis: Accident insurance is useful, but the kindergarten is not responsible, and accident insurance can generally be reimbursed regardless of whether it is outside the school. Of course, according to the specific terms, this is only an accident in most cases.

Legal basis: "Insurance Law of the People's Republic of China" Article 2 The term "insurance" as mentioned in this law refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or bears the responsibility for paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Accident insurance paid by kindergarten.

Including accidental death, accidental disability, and accidental medical treatment. (Some accident insurance can also be added or bound with other benefits).

1. Accidental death benefit: If the insured suffers an accidental injury accident and dies as a result, the insurance company will pay the death insurance benefit as agreed.

2. Accidental disability protection: If the insured suffers an accidental injury accident and is disabled as a result, the insurance company will rely on the disability level.

Disability insurance benefits are paid on a pro-rata basis. Among them, the disability level compensation standard of accident insurance is generally as follows: 100% for level 1 disability, 90% for level 2 disability, and so on.

3. Accidental medical insurance: The insurance company will reimburse the medical expenses of the insured in accordance with the agreement for the expenses caused by the accident.

4. Other protections: In addition to the above three main protection contents, general children's accident insurance will also add some other protection responsibilities, such as guardian liability, vaccination accident liability, and burns.

Medical grip responsibility and other slippery friends.

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Accident insurance for young children.

It mainly includes three aspects: accidental death, accidental disability and accidental medical treatment.

1. Accidental death: If the insured suffers an accidental injury and the insured dies within 180 days from the date of the accidental injury, the insurance company shall pay the insured amount according to the insurance contract.

The accidental death benefit is paid to the beneficiary of the accidental death benefit, and the insurance contract is terminated.

2. Accidental disability insurance: The insured suffers an accidental injury accident, and the insured directly causes the insured to have the "life insurance" attached to the insurance contract within 180 days from the date of the accidental injury.

If the insurance company multiplies the amount of the insurance contract with the amount of insurance in the table of the proportion of disability and the proportion of disability payment, the insurance company shall pay the accidental disability insurance benefit to the beneficiary of the accidental disability insurance benefit. If the insured has not completed the accident within 180 days** from the date of the accident, the disability assessment shall be carried out according to the physical condition of the insured on the 180th day from the date of the accident, and the accidental disability insurance benefit shall be paid to the beneficiary of the accidental disability insurance benefit accordingly.

3. Accident medical insurance benefits: The insured suffers from an accidental injury accident in the hospital, resulting in medical expenses within the scope of the insurance additional contract, and the insurance company pays the accidental injury medical insurance to the insured according to the specified insurance amount.

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According to data from the National Organization for Child Safety, unintentional injuries have become the leading cause of death for children under the age of 14 in China. Children are active and usually bump into each other, and once parents do not pay attention, the possibility of accidents is very high. Therefore, it is essential for children to purchase accident insurance and accidental medical treatment.

When buying children's accident insurance, you should pay attention to these two points!

1. Accidental Medical Scattered Knowledge Bridge Quota:

The probability of an accident is very high, and going to the hospital is a common thing, so the amount of accidental medical treatment must be very high.

2. Deductible and reimbursement ratio:

How much money can be reimbursed, in addition to the medical amount, the more important thing is the deductible and reimbursement ratio. The criterion is that the lower the deductible, the better, preferably 0; The higher the reimbursement ratio, the higher the higher, preferably 100%, and it is not limited to social security inside and outside.

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Parents should pay attention to the following points when applying for children's accident insurance: First, pay attention to the coverage of the product, accident insurance liability refers to the payment of insurance benefits in the event of death or disability, and the accidental medical treatment only bears the medical expenses arising from the accident. Second, carefully read the disclaimers in the insurance clauses in order to clearly understand which items are not covered by the insurance company, and have a clearer and more comprehensive understanding of the insurable scope.

Third, pay attention to the amount of coverage for accidental hand injuries. The Insurance Regulatory Commission has regulations on the amount of accidental death insurance for minors, so parents should not blindly apply for child accident insurance, and do not apply for insurance repeatedly. Nowadays, many schools require students to purchase student Pacific insurance, but most of the student Pacific insurance is only for the accident caused by the accident of Bi Lao Ming on campus, and once the safety problem occurs outside the campus, it may not be covered by insurance.

Legal analysis: Accident insurance is useful, but the kindergarten is not responsible, and accident insurance can generally be reimbursed regardless of whether it is outside the school. Of course, according to the specific terms, this is only accident insurance in most cases.

Legal basis: Insurance Law of the People's Republic of China Article 2 The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility for paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.