What are the levels of accident insurance? There are several types of accident insurance

You can briefly introduce the characteristics of occupational classification, and the first, second, and third categories of personal accident insurance are also classified according to this division

One type of occupation is basically a person who sits still in an office and works in a very safe environment. Such as: cashier, accounting.

The second type of occupation is a civilian worker, but occasionally leaves the company for work reasons to do things outside, such as: salesman.

The third category is the staff who often go out to run errands. Such as car drivers, etc.

The four types of occupations generally require manual labor, such as truck drivers and general workers.

The five types of occupations are those who work at heights or those who operate machinery, etc. Such as lathes, millers, construction personnel, etc.

There may not be many accidents in the six types of occupations, but once they occur, the situation will be very serious. Such as: oil pipeline cleaners, etc.

Seven categories belong to high-risk industries, which are industries that insurance companies refuse to insure. Such as: miners, blasters, etc.

There are 5 types of accident insurance, which are classified as follows:

1.Divided by insured object.

It can be divided into personal accident insurance and group personal accident insurance;

2.Divided by mode of implementation.

It can be divided into voluntary personal accident insurance and mandatory personal accident insurance;

3.Broken down by underwritten risk.

It can be divided into ordinary personal accident insurance and special personal accident insurance;

4.Divided by the duration of insurance.

It can be divided into very short-term personal accident insurance, one-year personal accident insurance and multi-year personal accident insurance.

5.Divided by insurance structure.

It can be divided into simple personal accident insurance and additional personal accident insurance. Some personal accident insurance only pays for personal disability caused by an accident and does not pay for medical expenses. Nowadays, many personal accident insurance can be attached to accidental medical insurance, and those who want to save on medical expenses can choose this type of additional insurance.

Common accident insurance is divided into travel accident insurance, aviation accident insurance, traffic accident insurance, comprehensive accident insurance, etc.

What are the types of accident insurance? What about returnable accident insurance? 》

How to choose accident insurance?

Loose occupational restrictions: PICC accident insurance.

PICC accident insurance can allow people in 1-6 occupations to be insured, and high-risk occupations can be insured, because the insurance company's compensation risk is much higher, and it is understandable that it is higher than other products.

If you are engaged in high-risk occupations and want to buy accident insurance, you can consider PICC accident insurance.

Pursuit of sudden death protection: Big Bodyguard Accident Insurance, Asia-Pacific Superman (Premium Edition), Xiaomi Comprehensive Accident Insurance.

These accident insurances all include sudden death protection, among which the insurance amount of the Supreme version of the big bodyguard accident insurance is 500,000, which is the highest compensation among these types, and the premium of TA will be higher.

If you are pursuing a high sum insured for sudden death, you can choose the Bodyguard Accident Insurance Supreme Edition.

Pursuit of comprehensive protection: Asia Pacific Classic Integrated Protection Plan (Premium Edition).

The Asia Pacific Classic Comprehensive Protection Plan (Premium Edition) covers not only total death and accidental medical treatment, but also sudden death, aviation accidents, comprehensive traffic accidents, etc., which is very comprehensive.

The restrictions on insured occupations are also relatively relaxed, and categories 1-4 can be insured, and this product is also very cost-effective, which is very suitable for people who pursue comprehensive protection.

Dad concluded that in fact, not only accident insurance, but also medical insurance, critical illness insurance, and life insurance are very important, and only the perfect configuration of the above types of insurance can avoid all risks.

Do you know the concept of accident insurance, accident insurance is divided into these two types, do you know?

Accident insurance, i.e. accident insurance. It is an insurance that takes the body of the insured as the subject matter of insurance, and takes the death and accidental death, disability, medical expenses or temporary loss of working ability caused by the insured due to accidental injury as the condition for the payment of insurance benefits. According to this definition, accident insurance covers death, disability, medical and work stoppage.

Accident insurance contracts can be roughly divided into three categories: ordinary accident insurance contracts, special accident insurance contracts (such as travel accident insurance, etc.) and group accident insurance contracts.

Accident insurance of an insurance company**.

Accidental Death, Burns and Disability Insurance - Main Insurance, in case of accidental death, receive a full compensation of 100,000 yuan; In the case of burns and disability, compensation is proportional according to the severity;

Double Benefit for Specific Accidents - Insurance, which is insured on top of the main insurance. In the event of accidental death, death or disability under certain circumstances, the same amount will be paid on top of the main insurance benefits;

Accidental Injury Medical Compensation - Supplementary insurance, which should be insured on the basis of the main insurance, and the amount insured is related to the amount of the main insurance. Reimbursement of medical expenses caused by accidental injuries shall not exceed the insured amount of the additional insurance;

Daily hospitalization benefit and daily critical illness monitoring benefit - additional insurance, which should be insured on the basis of the main insurance. Financial compensation that can be given during hospitalization.

Hospitalization Expense Compensation - Insurance, to be insured on the basis of the main insurance. Reimbursement of hospitalization expenses shall not exceed the insured amount of the additional insurance;

Reimbursement of surgical expenses - with insurance, to be insured on the basis of the main insurance. Reimbursement of surgical expenses shall not exceed the insured amount of the additional insurance; (Note: Different insurance companies have their own regulations).

The maximum amount of coverage depends on the specific policy. Like some traffic accident insurance, it can cover up to 1 million.

Accident insurance is a one-year short-term insurance, which mainly covers the price, medical care, and different types of occupations

Generally, categories 1-4 belong to the insurance unlimited, I can't remember the specific classification, you can find an insurance salesman, they all have a manual, very detailed.

Comprehensive personal accident insurance is related to the occupation of the insured. The daily work is divided into different levels according to the risk level, usually 6, and the general accident insurance covers up to 4 occupational categories.

There are two scenarios when making a claim:

1.In the underwriting profession, the compensation is based on the sum insured. This is the majority.

2.In covered occupations, the payout is prorated according to the class of occupation.

Ordinary students and office workers are usually Class 1-2, and there is generally no problem in taking out accident insurance. Specifically, you can go to the insurance company or third-party insurance** to view the product information.

It should be noted that when the insurance company settles a claim, it will determine the occupational category according to the activities being carried out at the time of the accident. It is recommended to apply for insurance according to the highest category of projects that you usually engage in to avoid obstacles in claim settlement.

Classified according to the danger of the work.

How to divide it, you can find a business to consult.

When configuring accident insurance, we should fully consider the risk status faced by ourselves and our families, for example: for children, accidental injuries such as falls and burns are generally more frequent, and the amount of accidental injury medical treatment of accident insurance can cover this kind of risk, which is more appropriate.

As the cheapest and most relaxed type of insurance among many insurances, accident insurance is not sensitive to the age and medical history of the policyholder, and is suitable for everyone. However, everyone will have different regrets when facing the accident risk of orange notice, and we should fully consider the risk situation faced by ourselves and our families when configuring accident insurance.

The insurance company has a very good banquet and many orange smile back accident insurance card, you can buy any company, about 100 yuan, accident insurance 100,000, accident medical insurance 10,000, have an ID number, you can apply online, and you can also print the policy. However, there is a requirement, if your occupation is within level 1-3 (such as working in an office, or a business, a driver), you cannot buy this accident insurance if you are engaged in dangerous work.

How to choose Liangchang to choose the intention of respecting the stove outside the insurance? Debate years.