How to buy accident insurance?

1. There are several ways to purchase personal accident insurance:

1. If you are clear about the insurance terms, you can choose to download a regular insurance company app on your mobile phone, and then purchase it on the app.

2. If you are not clear about the insurance terms, you can choose to consult and purchase from a nearby insurance agency.

2. Personal accident insurance has different amounts according to different types:

There are three major categories of personal accident insurance: traffic accident insurance, travel accident insurance, and comprehensive accident insurance.

1. Traffic accident insurance

At present, the one-year traffic accident insurance premium is 100 to 150 yuan, and the insured amount ranges from about 700,000 to 1 million yuan. For a single purchase of traffic accident insurance, the insurance cost for air travel is 20 yuan, and the insured amount is generally more than 400,000 yuan; for long-distance bus and train traffic accident insurance, the premium is generally 2 yuan per insurance, and the insured amount is 20,000 yuan. about. The insurance liability mainly covers death or disability caused by accidents while traveling on commercial vehicles.

It should be pointed out that according to the person in charge of the brand promotion department of ** Group, the accident insurance in train tickets is very different from commercial accident insurance. The accident insurance in train tickets is compensated by the railway department. Commercial accident insurance is compensated by insurance companies.

2. Travel accident insurance

Insurance companies charge according to the travel time period. The premium for a 10-day travel accident insurance is about 10 to 20 yuan, and the insured amount is about 100,000 yuan. . At present, many companies have also launched overseas travel accident insurance, which provides relatively sufficient protection. In addition to death and total disability, insurance liability also includes overseas rescue, overseas medical treatment, repatriation, emergency outpatient services, hospitalization compensation, etc. Of course, the rates are also higher. For a 20-day insurance with a premium of about 250 yuan, the insured amount is about 2 million yuan. Insurance liability mainly covers accidental injuries, medical treatment, death and total disability during travel. Many insurance types have additional services such as medical rescue and transportation for minors.