What type of accident insurance refers to?

Accident insurance refers to the following types of accidents, and the details of the dad have sorted out "What is the scope of accident insurance?" These common accident insurance companies do not pay

It is recommended to read it carefully.

Extraneous: Accidents caused by external causes, such as traffic accidents, natural disasters, etc.

Suddenly: The accidental injury suffered by the insured person must be sudden, such as being thrown from a height.

Unintentional: An accident that occurs is unpredictable and not voluntary, such as suicide and self-harm.

Non-Illness: Accidents that are not caused by the Insured's health, such as heat stroke and sudden death, are not accidents.

Most of the accident insurance denials are due to exclusions, just to name two simple examples:

1. Food poisoning.

In general, an incident of food poisoning can only be defined as an accident if it occurs in a group of 3 or more people.

2. Sudden death. Sudden death is considered by many people to be an accident, but in fact, sudden death is not an accident.

The reason why people die suddenly is partly due to their own physical reasons, irregular life and rest, psychological pressure, etc., will bury hidden dangers in the body.

When the accumulated hidden dangers reach a critical point, the probability of sudden death is greatly increased.

Hello, generally speaking, it is the surgery of the hospital, and most of the trauma is an accident, such as fractures and relatively large trauma, which is sudden, unpredictable and inevitable. Car accidents, plane crashes, and traumatic injuries in a pit while walking are all accidents.

Hello! I am a senior account manager at Huaxia Insurance Company, and my accident insurance covers 250 for aviation accidents, 100 for public transportation accidents, and 50 for self-driving accidents

General Accident 10

If you want to apply for accident insurance, you can contact.

In the event of an accident, the insurance company gives a claim to the type of insurance, including card fold type and main insurance with additional accident insurance.

Let's see what others have to say.

Accidents in accident insurance mainly refer to external, sudden, unintentional, and non-disease.

External generally refers to the signs of damage left inside and outside the human body due to external factors. For example, physical injuries such as collisions, falls, electric shocks, suppression, drowning, common cat scratches and dog bites, and chemical injuries caused by gas leaks, food poisoning, acids, alkalis, gas poisons, etc. Sudden generally refers to the injury caused by a sudden invasion of the human body.

For example, injuries caused by traffic accidents, building collapses, etc. Unintentional generally refers to unforeseeable harm that the person does not want to happen. Injury caused by force majeure accidents that are not foreseeable by the parties and not of their own will.

Non-illness generally means that the injury was caused by a disease that did not arise from the insured person's physical condition. For example, pathological fractures caused by osteoporosis or sudden death due to chronic cardiovascular diseases are injuries caused by diseases and are not covered by the claim. If any of the above points are not met, then the resulting is not an "accident", which means that even if the policyholder buys accident insurance, it will not be able to meet the claim requirements.

Therefore, policyholders who have purchased accident insurance must carefully understand the true meaning of accident in accident insurance.

Accidents covered by accident insurance are:

1. Accidents caused by factors other than the insured;

2. Accidents caused by violent and sudden invasion of the human body;

3. Accidents caused by force majeure accidents that are not foreseeable by the parties and not of their will;

4. Accidents caused by non-physical factors or diseases of the insured;

5. If the insured unfortunately dies unexpectedly during the trip within the insurance period, the insurance company will compensate for the accidental death insurance benefit.

If the insured person becomes disabled due to an accidental injury, the insurance company will pay the accidental disability insurance benefit according to the compensation ratio on the "Disability Degree and Payment Ratio Table". If the insured incurs accidental medical expenses during the trip, if the insurance covers the insurance liability for accidental medical expenses, the insurance company will compensate the corresponding medical insurance benefits according to the terms and conditions.

The accident must meet four conditions, external, sudden, unintentional, and non-diseased, that is to say, it occurs suddenly due to external factors, and it is not an objective event caused by one's own illness. Like pregnancy, ectopic pregnancy, miscarriage, childbirth, cesarean section, drug allergy, medical malpractice, diving, skydiving, rock climbing, bungee jumping, exploration, wrestling, horse racing, racing, martial arts competitions, stunts, **, psychology**, teeth**, prosthesis, cosmetic surgery, vision correction, these resulting accidental death and disability, general accident insurance is not covered. It's not about insurance pits, but to tell everyone this common sense, comprehensive accident insurance that only costs two or three hundred yuan a year is not a panacea.

So what exactly does accident insurance cover? For example, when we are on the road and are hit by a high-altitude projectile, hit by a car, bitten by a snake, struck by lightning, burned by fire, scalded by water, scratched by a cat, falling downstairs, hitting a car when we go out, sinking a ship, derailing a train, and crashing a plane, these are of course the consequences of accidents, and we can pay if we are hospitalized. Many people ask about sudden death, which is actually medically recognized as a sudden heart disease, which was not compensated before, but now many accident insurance will also attach a sudden death liability, making sudden death the only disease that can be covered by accident insurance.

When you buy accident insurance, you can pay attention to this sudden death liability.

Accident insurance is very simple and cheap, and the sum insured of one million is only two or three hundred yuan a year, so you can decide whether you should buy it or not.

Test your anti-risk index, experts will interpret it for you for free!

An accident that is outside the mold generally refers to an accident that meets the following conditions:

1.The external injury comes entirely from the external factors of the insured person, such as traffic accidents, accidental falling into the water, snake bites during travel accidents, etc.;

2.violent, the human body is strongly attacked and causes injury;

3.Accidents are not foreseeable, they are accidents. For example, walking on the Sail Street, there is no wind, there is no building, but you are injured by a billboard falling for no reason;

4.The accident occurs suddenly and is not caused by some long-term cause, such as damage caused by the insured's long-term work or grinding, and is not an accident;

5.Non-disease, where the insured's damage is not caused by an internal disease;

6.The accident is not what the insured wants, such as the insured self-injury, it is not an accident;

7.Causing harm to the human body. After the accident, if the injury to the human body is caused and the artificial device is caused, it is not covered by the accident insurance. For example, injuries to prosthetics, dentures, and eyes after an accident are not covered.