What insurance should I buy for sudden death, and what insurance should I buy for fear of sudden dea

What kind of insurance can be covered for sudden death?

1. Medical insurance?

Sudden death occurs suddenly, over a short period of time, and does not involve hospitalization. First of all, not only sudden death, but also for any death, there is no compensation. At most, medical insurance will only cover medical expenses in the event of an emergency and the cost of transporting an ambulance.

However, many medical insurance plans also have deductibles and limit hospitalization to be reimbursed, and the expenses that can be compensated are really limited.

2. Critical illness insurance?

Critical illness insurance generally has a liability for death, but some pay the sum insured for critical illness, and some pay the surrender premium and cash value. Sudden death is also death, and if you use this responsibility to compensate, it is okay.

However, if you only refund the premium or cash value, the money is actually your own money, strictly speaking, it is not considered compensation by the insurance company, and the amount may be small.

However, if you want to get the [critical illness insurance benefit], it depends on the situation. Sudden death itself is not a disease, but a sudden death caused by a disease, and if you want to use the critical illness insurance money to make a claim, you have to see whether the disease is included in the critical illness category, and only if you fully meet the definition of a critical illness can you get compensation.

3. Life insurance? The responsibility of life insurance is very simple, that is, to "save life and disability (total disability)", only look at the result and not the cause, and even suicide two years after purchase can be compensated. Of course, we don't count the cases of violations of law and discipline! Then there is no doubt that life insurance can cover sudden death.

4. Accident insurance?

Accident insurance is put at the end because it is easiest for everyone to understand it wrong. The definition of "short-lived" and "sudden" of sudden death proves that it was indeed an "accident". However, there is only accident insurance for accident liability, which is not compensated!

Let's take a look at the definition of "accidental injury":

It refers to an external, sudden, unintentional and non-disease objective event that causes bodily injury to the insured, and the physical injury or death of the insured is caused by this objective event as a direct and separate cause, and sudden death, suicide and self-injury are not accidental injuries.

Because one of the elements of sudden death is caused by disease. Therefore, this accident is not another accident, and the insurance that only covers accidental injuries cannot be compensated.

However, many insurance companies, considering the subjective consciousness of the general public, have expanded the concept of accident insurance. The accident insurance has added the protection liability of [sudden death] or [sudden illness death].

However, because accident insurance generally does not ask about the health status of the insured, the sum insured is generally not very high for risk considerations.

The biggest pain in life is that it is too late to say goodbye. When a person's life can no longer be with his family, how to continue to take care of his family by extending his economic life. A suitable insurance policy is very important.

There is a type of insurance that is worth the insurance, and it is said that the Jinyou Life Critical Illness Insurance of the Pacific Ocean can be claimed after 180 days except for suicide, as long as it is a critical illness or death, but peace and security is the insurer's greatest hope and wish for customers.

Critical illness insurance with death liability and whole life or term life can be paid.

If you are worried about sudden death, you can configure the following types of insurance:

1. Life insurance: It is a product with the life of the insured as the subject matter of insurance, so as long as the insured dies after the waiting period of Muqing, the insurance company can make a claim.

2. Critical illness insurance: Many critical illness insurance policies carry death liability, so if the insured dies suddenly, the death liability of critical illness insurance can be compensated, and the claim standard for critical illness can also be claimed due to sudden death.

3. Accident insurance with sudden death liability: Some accident insurance on the market has sudden death liability.

There are thousands of insurance products that meet your requirements!!

1 Let me tell you first: sudden death is not an accident, it is a death from disease! Because of the accident, four conditions need to be met: unintentional, non-diseased, sudden, and foreign! Sudden death is a death caused by the body itself and is not an accident.

2 What types of insurance cover sudden death?

Life insurance, whether it's whole life insurance or term life insurance, is fine. Because the main thing that life insurance covers is death, whether it is illness or accident.

Therefore, sudden death, life insurance can be compensated.

Critical illness insurance with life insurance attached.

Common critical illness insurance, such as Ping An Fu, China Life Insurance, Jinfu Life, etc., with critical illness insurance attached to life insurance, can also be paid.

Partial accident insurance.

Although, sudden death is not an accident. However, because the public does not understand and there are many complaints against insurance companies, some insurance companies have specially developed some accident insurance with sudden death liability attached. With these accident insurances, sudden death can also be covered.

Sudden death insurance. Some companies in the industry have developed insurance that specifically protects against sudden death. It is very cheap and can be considered by people who are worried about sudden death. This must be payable.

Because there are too many eligible products, I can't list them one by one, so I'll tell you about the above types.

It is not uncommon to see the news of sudden death by staying up all night, so what insurance can be claimed for sudden death, critical illness insurance with death liability: as long as you die, you can be compensated; Accident insurance with sudden death liability: Not all accident insurance policies carry sudden death liability, so it is also necessary to read the insurance contract carefully; Life Insurance:

Term life insurance pays for the death of the insured during the benefit period; Whole life insurance is an irregular death insurance, because the death of the insured is inevitable, so if you buy whole life insurance, you will inevitably get the death insurance benefit; Life and death insurance, if the insured dies during the coverage period, the death insurance benefit will be paid, and if the insured survives to the agreed insurance period, the survival insurance benefit can be paid.

The insurance products that cover sudden death are as follows:

1. Life insurance: Life insurance is mainly based on the life and death of a person as a guarantee, simply put, a person can be compensated if he dies due to illness, but the cause of death cannot belong to the scope of exemption clauses such as suicide stipulated by the insurance company.

2. Health insurance: Critical illness insurance with death liability can be paid, but if the insurance product stipulates that only one compensation will be made for death and critical illness, then the critical illness will not be paid this time after the critical illness has been paid.

3. Accident insurance: Some accident insurance products include sudden death protection, which can also pay for sudden death by clarifying the insurance liability of sudden death.

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