Accident insurance also need to tailor
As a financial product to protect the safety of people and property, insurance is how to deal with the accident, for the different age, occupation, and how to choose the accident insurance?
Personal accident insurance
Insurance Group: high risk staff, the elderly and children
Accident insurance liability insurance covers accidental death, accidental disability or medical and accident hospitalization allowance and liability insurance is, of course, the more comprehensive the better.
According to the nature of the work, the need for personal accident insurance is not the same, consumers in the purchase of an accident, according to their work and their own needs to buy this piece of. For example, as a construction worker and other high-risk industries should have the necessary accident insurance, the weak action of children and the elderly also need to buy accident insurance, which is suitable for the purchase of personal comprehensive accident insurance. Among the elderly had better consider the relatively high amount of unexpected medical subsidies to the product.
Traffic accident insurance
Insured population: business people, private owners of business trips
For people who travel frequently, the proposed insurance means of accident insurance. Against the means of transport, accident insurance and accident insurance and accident insurance and other insurance. Aviation accident insurance insured only take aircraft accidents, and transport accident insurance coverage to more comprehensive, can cover plane, train, subway, light rail, ship, automobile and other means of transport, the premium due to the insurance company and the insured amount.
And every day by means of transport to work the office workers can also buy the risk of accidental insurance. This kind of people can buy specialized for urban white-collar comprehensive personal accident insurance, but this kind of accident insurance for each insured person can insure the maximum insured amount will have a certain limit.
Travel accident insurance
Insurance Group: travel, outdoor sports enthusiasts
The travel accident insurance is a person in the insurance period, in the way out or travel on the way to death or disability caused by accident. Travel accident insurance is suitable for all people who go out to travel, it has the advantages of low price and flexible insurance policy. At present, there are some kinds of travel accident insurance, travel accident insurance, personal travel accident insurance and travel insurance.
There are people who love outdoor sports also need to buy accident insurance. For this kind of people, you should buy travel accident insurance and additional travel accident insurance. The main risk is to compensate for the damage caused by accidents during the trip, and the additional insurance is to compensate the cost of the rescue and relief from the accident.
Property insurance
Insured population: old residential property owners, residents
Old district will inevitably have some risks, in addition to their own safety, also want to consider homesteads security, can be considered the insured property insurance. For property insurance, the insurance company for compensation in follow the principle of compensation, the compensation for excess insurance part. At the time of the insured property insurance should be prior to communicate with the insurance company, not excess insurance and re insurance, the best method of insurance is the original value of the insured.
It is reported that the insured is all, use or storage, is located in the home of the insurance policy, the property can be agreed range of family property insurance. The economic compensation provided by the insurance company to the economic compensation provided by the insurance company as well as the auxiliary equipment, interior decoration and indoor property of the insurance company in the scope of the contract.
How to cover the accident?
According to the type of insurance, accident insurance can generally be divided into: personal accident insurance and group accident insurance. According to the time can be divided into: a year of accident insurance, very short-term accident insurance. For many of the types of accidents, the company has a slight difference. People can go to insurance companies, insurance and other direct purchase of the supermarket, but also to buy online.
Insurance experts suggest that in the choice of the amount of insurance, everyone can according to their own economic conditions and family risk of accident insurance, can be superimposed with other insurance products, in general, the family can choose to buy insurance 5-10 times the annual salary of 100000, you can buy a 50-100 million in the amount of insurance, a year to spend tens or hundreds of dollars can be a security belt".
What's the claim?
According to reports, a claim generally require the following information: one is kind of accident proof, including accident proof, proof of disability, death certificate, certificate for cancellation of the account etc.. When an insured person who is injured or dies in an accident, the application will be provided to provide such evidence. Two is the medical class certificate, including the diagnosis certificate, outpatient medical record and the prescription, the pathology medical expense receipt and the list, etc.. When the insured suffers from accidental injury expenses medical time-consuming, need to submit proof of this. Three is the beneficiary's identity and proof of relationship with the insured person.
The process of the claim is to prepare the above information to the insurance company to submit applications, such as the traffic police and other departments to deal with, should provide the relevant processing information. It is worth noting that, if the insured person's Occupation Classification changes during the period of insurance, the insurance company should be notified in time.
Insurance information
Can be superimposed on the payment but has the upper limit of insurance
"At present, the accident insurance is to be able to stack." The city of a insurance company, the relevant responsible person said, in simple terms, for accident insurance, as long as it is because of an accident resulting in disability or death, the corresponding compensation or death benefit is can be superimposed. If the insured person to the two insurance companies to insure against 500000 of the accident insurance, the insurance of the unfortunate accident, as long as the claims conditions, relative to the proof of the full range of materials, insurance Can get 1000000 of the two insurance companies.
But these people also pointed out that although it can be superimposed on the payment, but this does not mean that the personal accident insurance can be unlimited purchase. To guard against moral hazard considerations, the insurance company will set a maximum amount or the number of copies of the purchase, once more than this range, the insurance company will refuse to cover.
Personal accident insurance
Person accident injury insurance refers to the insurer of insurance in the insurance period due to an accident caused by disability, death, insurance life insurance payment according to the contract. Industrial injury insurance refers to workers due to work reasons suffered accidental injury or occupational disease caused casualties, temporarily or permanently lost the ability to work, the workers and their dependents to get the necessary material compensation of a social insurance system from the state, society.
For workers, the industrial injury insurance is a basic, compulsory insurance. Accidental injury insurance is a temporary, voluntary insurance. The two can complement each other, but cannot replace each other. Although the effect of the two types of insurance is similar, but commercial insurance can not replace the national compulsory insurance social insurance. Personal accident insurance belongs to commercial insurance, the object is mainly for the medical expenses of the injured, and industrial injury insurance belongs to social insurance, the object is the work of the injured party, including medical expenses, including the relevant rights and benefits.
Sudden death accident insurance generally do not compensate
Life insurance as a matter of survival and death of the risk of the insurance policy, the insurance people are generally in the case of death, can be obtained from the insurance contract, whether it is normal or accidental death. Currently common term life insurance, life insurance and endowment insurance can protect the death risk, which of course includes the death from overwork.
In addition, there are some serious illness insurance also has the risk of sudden death, but it depends on the extent of the major disease insurance. Generally speaking, if the product itself only for the medical expenses of the disease to be compensated, then the insured person sudden death will not be compensated; and if the product contains the responsibility of death, then the insurance company is expected to receive a death compensation. It is worth noting that the premiums are generally more expensive to the life insurance products.
But in this product category, the sudden death is a cause of death in the majority of the dispute. In accordance with the general practice of the insurance industry, if there is forensic evidence for the sudden death, accident injury insurance is generally not lost. Because of accidental injury mainly refers to the external injury, such as aircraft, bus, train and other traffic accidents, such as being beaten and killed, as there are people who drive a car accident, these can be injured by accident insurance claims.
And sudden death in the medical field are generally classified by the disease, the cause of death was considered to be the most important organs of serious disease, disease and chronic and latent, without symptoms of attack, so the general purchase of the accident insurance is not paid. Moreover, accident insurance, the terms of the contract, in addition to the general life insurance exemption items, but also increase some specific or general understanding ambiguity exceptions, such as death, pregnancy (including ectopic pregnancy) birth abortion caused by injury, medical malpractice, drug allergy or fine God behavior disorder (according to ICD-10 determine) leads to damage, high risk sports (such as rock climbing, scuba diving, bungee jumping, racing, stunt, horse racing, driving glider or paragliding) which causes the injury.
However, in some specific cases, or to view the actual situation and decide.
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