Accidents are everywhere. Don’t you know about accident insurance with low price and high insurance coverage?
Accidents are everywhere in our lives. We accidentally fall down, accidentally cut our hands, etc. We don’t know when these accidents will happen. There is a saying, you You never know which will come first, tomorrow or the accident.
When an accident occurs, it may cause us relatively minor injuries and losses, or it may cause serious injuries and losses. We also pay attention to how to transfer the losses when an accident occurs. At this time, accident insurance is This kind of protection can be provided.
Today we will talk to you about accident insurance.
1. What is accident insurance?
Among the many insurance products, I believe that the accident insurance is the one that everyone finds most unclear about how to pay, when to pay, how much to pay and how little to pay. Let’s talk about the definition first: The definition of accident is: external, sudden, unintentional, and non-disease.
For example: I was walking smoothly on the road, but a flower pot fell and was injured. This is called an accident. If you play basketball outside in a 40-degree hot weather and suffer from heatstroke, fainting, or fractures, it is not an accident. One of the more controversial ones is sudden death. Some people may say that sudden death is caused by high external work pressure, so why can't it be regarded as an accident? This depends on whether the accident insurance you purchased has additional sudden death liability. For another example, if you travel to Tibet and suffer from altitude sickness during the trip, this usual accident insurance will not pay out unless you have added high altitude sickness liability. As far as ordinary accident insurance is concerned, no compensation will be paid for heat stroke, high fever, food poisoning, pregnancy accident, and sudden death.
So if you are traveling to some special places for work or participating in some risky activities, you need to clearly understand the responsibilities of the products you purchase.
2. Classification of accident insurance
So, what are the accident insurances in general? How to find the one that suits you when choosing.
1. Comprehensive accident insurance:
This kind of accident insurance is relatively cheap. For a coverage of 1 million yuan, the annual premium is only about 300 yuan. However, there are restrictions on drugs for external use under social security, such as imported drugs, special equipment, and imported steel nails, which cannot be reimbursed.
Some will also have income and occupation restrictions. For example, it can only be purchased by occupations in categories 1-3 or 1-4, and some high-risk occupations such as manufacturing workers and pilots cannot be purchased.
Whether social security liability for external medication is included depends on whether the accident insurance is basic accident insurance or high-end accident insurance. Generally, the price difference between the two is 2-3 times.
A few extra words. Compared with critical illness insurance and medical insurance, accident insurance does not require health notification and has no waiting period. It generally takes effect within a few days after the insurance is purchased, and the leverage is relatively high.
2. Accidents in specific scenarios:
For example, accidents that occur in aviation accidents, self-driving, traveling, elevator falls, etc.
For example, everyone has bought the aviation accident insurance that we are most familiar with, but 90% of people buy it in a bundle, with a coverage of 30 yuan and 300,000.
But in fact, the aircraft accident rate is very low. A special aviation accident insurance policy with a coverage of 1 million yuan actually only costs 1 yuan, which is a 100-fold difference in price.
Therefore, I generally recommend that those who often travel for business and fly can choose to purchase aviation accident insurance with no limit on the number of flights throughout the year. It only costs 120 yuan a year and has a coverage of 10 million.
Another example is travel accident insurance under specific scenarios.
When traveling, especially when traveling abroad, emergency medical and emergency transportation responsibilities are also very important. They can save lives at critical moments. Keep paying attention to Tomato Insurance, and we will talk about emergency rescue later.
3. Protection content of accident insurance
Different from other products, accident insurance liability is generally measured from three aspects: accidental death, accidental disability, and accidental medical treatment
1. Accidental death
In plain language, if you die accidentally, the insured amount will be paid in one lump sum. However, remember clearly that the death was caused by an accident. We introduced what the definition of accident includes at the beginning. External, sudden, unintentional, non-disease.
So if you want to not limit whether the death is caused by an accident, except suicide, you can be compensated. Then it is recommended to match it with life insurance or critical illness insurance with death liability.
2. Accidental disability
Accidental disability liability generally refers to relatively serious accidents that result in disability but not death. This compensation method is based on the level of disability, in proportion. compensation.
The disability standard stipulates the classification and grading of functions and disabilities, and divides the degree of personal insurance disability from one to ten levels, with the most serious level being the first level and the lightest level being the tenth level. The insurance benefit payment ratio corresponding to the level of disability is divided into ten levels. The insurance benefit payment ratio corresponding to the first level of disability is 100%, and the insurance benefit payment ratio corresponding to the tenth level of disability is 10%. There is a difference at each level. 10%.
Compared with this standard, the insurance company will pay a certain proportion of the insured amount according to the level of disability. For example, if the insured amount is 1 million, for level 4 disability, the insurance company will pay 70% of the insured amount.
3. Accidental medical care
Similar to medical insurance, accidental medical care is also reimbursable and generally includes outpatient, hospitalization, and hospitalization allowances.
Outpatient and inpatient care generally require the same insured amount, and the amount is not particularly high. RMB 10,000 to RMB 20,000 is the most common, but there are also RMB 50,000 and RMB 100,000.
I would like to remind you here that whether the compensation scope includes drugs for external use under social security, the price difference is 2-3 times. Common compensation ratios are 100% and 80%, the specific terms are subject to the terms.
Finally, pay attention to the time limit for compensation, because many accident medical insurance policies only pay for medical expenses within 180 days (including the 180th day) from the date of the accidental injury, and they do not always pay you for an unlimited time. .
4. How to choose accident insurance for different groups of people?
1. Children's accident insurance
Children's accident insurance needs to focus on the insured amount of accidental disability and the coverage of accidental medical treatment.
Product Recommendation: Ping An Children’s Accident Injury Insurance
Reason for recommendation: Comprehensive accidental medical coverage: No social security reimbursement for self-paid medicines, 0 deductible, 100% reimbursement ratio for outpatient and emergency hospitalization It can be used for all, and it also increases the accidental medical insurance coverage for burns and burns. Great company brand and great service. Cheap insurance premiums are equivalent to shedding wool.
2. Accident insurance for adults
Accident insurance for adults focuses on: the insurance amount for accidental death and disability should be sufficient, and the ideal insurance amount is twice that of term life insurance.
Product Recommendation: Ping An Great Guardian Accident Insurance
Reason for recommendation: Accident medical protection is relatively comprehensive: the supreme version is not limited to the scope of social security, with 0 deductible and 100% reimbursement ratio after social security reimbursement. The social security reimbursement is 100 yuan deductible, with an 80% reimbursement rate, and can be used for outpatient, emergency and hospitalization. Great company brand and great service. Excellent additional protection liability: The Supreme Edition additionally adds 0 deductible days for accidental hospitalization allowance, 500,000 sudden death liability, 300,000 infectious disease liability, and superimposed compensation for accidental accident insurance in specific scenarios such as self-driving, aviation, specific activities, public transportation, etc. .
3. Accident insurance for the elderly
Accident insurance for the elderly focuses on: the coverage of accidental medical treatment.
The elderly’s physical functions have declined. Although they are more aware of self-protection than children, their actions and reactions are not as flexible as those of young people. There are risks of accidents such as missing stairs or slipping in daily life. However, the elderly are recovering from falls and injuries. The cost of treatment will be higher and slower than that of young people. Since the elderly generally do not bear family financial responsibilities, the death insurance amount does not need to be too high when the premium budget is limited.
Product Recommendation: Starr Star Million Life Personal Accident Insurance
Reason for recommendation: Comprehensive accidental medical coverage: no limit to social security reimbursement for self-paid medicines, 0 deductible and 100% reimbursement ratio , can be used in outpatient, emergency and hospital stays. Excellent additional protection liability: additional accident hospitalization allowance with 0 deductible days, personal liability, sudden death liability, special scenarios such as airplanes, trains, ships, public transportation, motor vehicles, self-driving cars and other accident insurance sums are added.
Especially suitable for parents who like to travel: global protection, suitable for domestic and overseas travel. The most important thing is to extend to the risks of hiking, camping, etc. during travel.
If you want to configure a complete insurance plan, you can find a professional insurance broker to provide you with services. You can search for Baibaojun on Baidu. There are excellent and professional insurance brokers across the country on the Baibaojun platform. People are available to choose from.