How do insurance companies deal with journalists?

With the frequent occurrence of vicious incidents such as journalists being beaten in recent years, journalists have also entered high-risk occupational groups. All insurance companies list war correspondents as high-risk groups, and some companies even refuse to insure war correspondents. Even ordinary war reporters or photographers, because they are more likely to encounter risks than ordinary people, will have a slightly higher premium when buying accident insurance.

For example, Taiping Life Insurance Company classifies the occupational risks of the insured objects into 1 to 6 categories from low to high and refuses to insure them. Among the people in the news media industry, there are back office 1, 2 field reporters and 4 photojournalists; War correspondents were denied insurance. Except that war reporters are high-risk groups, the risk of ordinary journalists is moderate. For those who enter the four risk levels, they have to pay more accident insurance, and the insurance cost of the same amount is slightly higher than that of ordinary people.

In the occupational risk category of life accident insurance in China, journalists belong to the second category, higher than the general population of the first category, at the same level as professional groups such as actors, physical education teachers and postmen, and are relatively vulnerable to accidental risks. Professionals of the company said that because journalists are faced with many unexpected situations, they should first choose full accident insurance. At the same time, journalists often need to cover various places and take public transport, especially trains and planes, so it is also necessary to strengthen traffic insurance.

In AIA's occupational risk category of accident insurance, war reporters, photographers and TV reporters all belong to the second category, while war reporters belong to the scope of refusing insurance. All these show the particularity of journalists in the whole protected population.

On the other hand, the reporter's life insurance premium classification is still 1 level, and the war correspondent only needs to add 50 yuan to the 1 10,000 yuan premium. Therefore, journalists can buy term life insurance plus guaranteed critical illness insurance and dividend-paying endowment insurance. Recommended products: Haikang Ankang Worry-Free 32 1 Term Life Insurance, Pacific Jintai Life Insurance, brilliant life pension insurance initiated by Antai, and life-rich and full-fledged serious illness pension insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.