Everyone comes into this world by accident, but leaves it by necessity.
Accidents and tomorrow, no one knows which comes first.
I. What is accident insurance?
Generally speaking, accident insurance covers accidents.
But the “accident” of accident insurance may not be the same as what we usually understand as “accident”, 意外保險 following four basic elements: sudden, external, non-illness, unintentional.
Therefore, a matter must meet these four elements in order to constitute an accidental disability.
– Is it an accident? -Yes!
Is a sports fracture an accident? Yes!
Is it an accident to eat fish and get a fish spike stuck in your throat? Yes!
I was injured in a fight, was it an accident? No!
See if the four elements are satisfied, one is missing; if all are satisfied, it is an accident; if one or more are missing, it is not an accident.
Second, what exactly is insured by accident insurance development?
What does accident insurance cover? Accident insurance may be the first policy many people buy, but what does it actually cover? I don’t think most people can say for sure.
Generally speaking, the liability of accident insurance is divided into: accidental death, accidental disability, accidental medical treatment, accidental hospitalization benefit and other liabilities.
Accidental death: pays for death caused by an accident.
For example, you can buy travel accident insurance with a coverage of 1 million, and the accidental death will be paid 1 million yuan, which is the actual amount of coverage you bought for the relevant benefits.
Accidental Disability: Benefits are paid to people who are disabled as a result of an accidental situation.
Disability is assessed according to the level of disability compensation, which is divided into 1-10 levels, 危疾保險 compensation ratio of 100% – 10%.
A few examples: The well known hero, Yang Guo, was left with a Grade 5 disability due to the loss of his arm. If he bought a $1 million accident insurance policy, it would pay 60%, or $600,000.
Accidental Medical: Financial reimbursement for the cost of medical services resulting from accidental disability.
Unlike accidental death/disability, accidental medical is actually reimbursed, which is how much you spend on reimbursement, with a cap set based on the amount of coverage purchased for accidental medical, such as $20,000 for accidental medical. Accidental medical expenses over 20,000 pieces, accidental medical will not be reimbursed.
For accidental medical treatment, we need to pay attention to the following points: whether there is a deductible, what is the relationship between the reimbursement ratio, whether the reimbursement is limited by the social insurance catalog, the scope of medical treatment and whether it is limited.
If the deductible is 100 yuan, the reimbursement ratio is 100%, and the accidental medical expenses are 1000 yuan, then a certain amount of management can be reimbursed is (1000-100)*100%=900 yuan.
Package does not include the enterprise social security work directory, sometimes there is a difference is mainly still relatively large, such as through Xiaoming was scratched by the cat, to go to the rabies vaccine, he bought accident insurance is limited to the use of social security within, then we can use the rabies vaccine imported from China, not a penny can not be reimbursed.
Medical coverage in China is generally limited to public hospitals at the secondary level and above.
Accidental hospitalization allowance: the icing on the cake, it’s best to have it, but it doesn’t matter if you don’t.
Why is it recommended that people must buy accident insurance?
1, low premiums, high leverage. With a premium income budget of three to five hundred a year, adults can purchase an accident insurance policy with a coverage of up to one million dollars, which is quite an economical thing to do.
2. low health requirements. Many friends may have such or such a minor illness, it is difficult to buy the right medical insurance and major medical insurance, but accident insurance is generally very low in terms of health status, only the difference between occupation and age.
3. The scope of accident liability is relatively wide. For accidents caused by accidents, whether it is death/disability or accidental medical expenses, you can declare accident insurance, especially for the case of disability, you can also pay the corresponding amount of insurance.
Fourth, how to buy accident insurance?
Adults buy accident insurance, it is recommended that the amount of coverage for accidental death u002f disability be high because of the heavy financial responsibility. Once an accident occurs, it is a major blow to the whole family. Usually it is recommended that more than 1 million, but you can also combine your actual situation, such as mortgage, car loan, children’s education expenses, etc.
Children are active, the elderly carry out osteoporosis, children and elderly problems occur bump, accidental fall analysis is more systematically common, it is recommended as well as accidental medical coverage to buy a little higher; reimbursement management scope is the best is not limited to the social security directory.
When we buy accident insurance, to be especially need to consider students comprehensive analysis of accident coverage, rather than being high coverage of traffic safety accidents get blurred; for example, to carry out a comprehensive variety of accident coverage is 200,000, airline accident coverage of 2 million, people’s lives often look blurred, in fact, the probability of the problem of an airline accident is very low, the coverage even in high, the probability of claims is extremely low, instead can Comprehensive development of the accident situation is more system common, the probability of claims is also high.
Accident insurance is to buy consumer or refundable type?
Many friends like to buy refundable accident insurance products, think that the expiration can return a sum of money to their own, very cost-effective.
But in fact it is if a comparative analysis of their own consumer and return type features, we can easily find through the “return type = consumer + financial”, and the disadvantages are also obvious, high premiums, low coverage, the yield is also very low.
Then it is recommended to buy consumer accident insurance, as long as a few hundred dollars a year, you can have a million insurance amount, no wonder the fragrance? Why should you use two or three thousand dollars a year to buy a product that only guarantees $200,000?
What do you need to pay attention to when buying accident insurance?
1. Look for a health warning. If so, it depends on whether you are in the right situation; many accident insurance products do not have health information.
2. Occupation and age. Some high-risk occupations, is not able to buy accident insurance; after the purchase of accident insurance, such as career development occurred to carry out changes, we need to inform the social insurance companies in a timely manner, or there may be implications as well as late claims.
3. effective date. This is also very important, some accidents will set a waiting period, in the waiting period is not lost.