What are the functions of accident insurance? Is it useful to have accident insurance?

The risk of accidents is everywhere, in the event of an accident, falls, burns, burns, etc... For oneself or for one's family, it is a huge injury, whether it is money or physical or mental, will be harmed, with insurance, not that accidents will not occur, but when the accident comes, it can reduce the degree of injury at the minimum, whether it is medical or accidental injury, you can get a certain amount of compensation, so it is very necessary to buy an accident insurance. Yidu said that he returned to the pre-liberation period when he was ill, and now several cases around him are all returned to the pre-liberation period with a fall, and the medical expenses will cost more than 100,000 yuan.

Hello, accident insurance is very important.

Accident risk is everywhere, and accident protection is a must for everyone.

There are many options for purchasing personal accident insurance:

1. You can choose according to the duration of protection: you need to buy short-term accident insurance and one-year personal accident insurance.

2. You can choose according to the amount of insurance: the amount of insurance is 100,000, 200,000, 500,000, and more than 500,000.

3. You can choose according to the characteristics of the insurance: whether you need special security services such as fractures, joint dislocations, medical evacuation, and high-cost accidental medical treatment.

Fourth, you can choose according to your age.

When purchasing personal accident insurance, you need to pay attention to: coverage age, occupational type, sum insured and contributions, and liability exclusion clauses. Hope it helps.

I think accident insurance is a type of insurance that everyone should buy, why? Accident insurance has high leverage and is particularly cheap.

Accident insurance is one of the life insurance businesses. Life insurance with death or disability caused by accidental injury of the insured as the condition for the payment of insurance benefits.

The function of accident insurance is that when an accident comes, it can reduce the degree of injury, whether it is medical or accidental injury, you can get a certain amount of compensation. There are four main aspects. As follows:

1. Death benefit. In the event of death caused by accidental injury, the insurer pays the death benefit. The death benefit is a full benefit.

2. Disability benefits. When the insured suffers a disability caused by an accidental injury, the insurer pays the disability insurance benefit according to the degree of disability.

3. Medical benefits. When the insured suffers medical expenses due to accidental injury, the insurer shall pay according to the actual situation. There is a maximum limit for medical benefits, and accident medical insurance is generally not covered separately but as an add-on to the accident.

4. Allowance payment. When the insured is hospitalized due to accidental injury and is unable to work, the insurer pays a hospitalization allowance.

Benefits of purchasing accident insurance.

1. Avoid accident risks: Accident insurance is a product to deal with accident risks, when the insured is out of danger due to an accident, you can apply to the insurance company for compensation to reduce the loss caused by the accident. However, accident claims need to meet the needs of external, sudden, non-diseased, and unintended accidents at the same time.

2. Embody love and responsibility: The pillar of family economy is the main economic income of the family**, and once an accident occurs, it will affect the normal life of the whole family. If you allocate accident insurance to the breadwinner of the family, in the unfortunate event of death due to an accident, the insurance company's claims can protect the basic living needs of the family members and avoid causing a well-known blow.

3. Care for the elderly: the elderly's ability to respond is reduced, and when the accident risk comes, it is impossible to dodge, so the probability of accident risk is high, and the injury caused by the accident is long, if there is accident insurance, the insurance company can bear a part, so as to reduce the burden of the elderly and their children. In addition, it is more difficult for the elderly to buy medical insurance and critical illness insurance, but it is easier to buy accident insurance.

4. Reduce family financial risks: Many people are burdened with mortgages, car loans and some arrears, even if an accident leads to death, the borrowed money still has to be repaid, and when they die, these debts will fall on the family members, who not only have to bear the pain of the death of their loved ones, but also bear the debt.

That's all for the benefits of buying accident insurance, and I hope you find it helpful.

I am an insurance consultant of Shenzhen money bag insurance network, I hope to give you some advice, accident insurance is personal accident insurance, also known as accident or injury insurance, refers to the policyholder to pay a certain amount of premium to the insurance company, when the insured suffers accidental injury during the insurance period, and this is the direct cause of death or disability, the insurance company in accordance with the insurance contract to pay a certain amount of insurance to the insurer or beneficiary insurance.

Accident insurance refers to the act or contract in which the policyholder pays a certain amount of insurance premium, and the insurer promises to pay the insurance money to the insured in the event of physical injury and disability or death due to a disaster within a specific scope.

The body here refers to the natural body of the insured, excluding artificial non-natural parts such as prostheses, dentures, and artificial eyes. The disaster accident that causes accidental injury to the insured referred to here should have four elements: external, sudden, unintentional and non-disease.

The so-called external means that the cause of the injury is caused by factors other than the insured. For example, physical damage caused by mechanical collisions, falls, compressions, bites, scalds, burns, frostbite, electric shocks, light radiation, etc., and chemical injuries caused by acids, alkalis, gas poisons and other factors. These external factors need to cause signs of damage on the outside or inside of the human body.

The so-called suddenness refers to the injury caused by a violent and sudden invasion of the human body. There is a direct and instantaneous relationship between the cause of the injury and the effect. For example, injuries and deaths caused by collisions in traffic accidents and the smashing of falling objects in the sky are sudden and instantaneous.

Physical injuries caused by long-term work under certain environmental conditions are not accidental injuries, such as occupational diseases caused by long-term work in harsh environments, and sudden and accidental physical injuries, and the former does not fall within the scope of injury insurance.

The so-called non-intentional refers to the injury caused by a force majeure accident that was not foreseeable by the parties and not the person's will, and the result of the injury is an accident, and the injury caused by non-accidental causes cannot be recognized as accidental injury, such as physical injury caused by driving at a speed exceeding the speed limit on a highway. For this kind of injury, which is completely predictable and completely preventable, it is not an accidental injury.

Non-disease means that the damage was not caused by factors or illness in the insured person's body. For example, pathological fractures caused by osteoporosis or fulminant hepatitis caused by hepatitis viruses are injuries caused by diseases.

The above four elements are indispensable for the formation of accidental injury, and the requirements must be met at the same time when determining the accident of injury insurance.

I think accident insurance is a type of insurance that everyone should buy, why? Accident insurance has high leverage and is particularly cheap.

The so-called comprehensive accident insurance is also one of the accident insurance, and its biggest role is to provide security for the insured and resist the risks caused by accidents.

Different from traffic accident insurance, it is more comprehensive, covering all the risks that may occur in people's daily life, such as traffic accident protection, accidental fall protection, accidental medical protection, etc.

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

I think accident insurance is a type of insurance that everyone should buy, why? Accident insurance has high leverage and is particularly cheap.

I think accident insurance is a type of insurance that everyone should buy, why? Accident insurance has high leverage and is particularly cheap.