What are the precautions and issues that need to be paid attention to when purchasing accident insurance?

There are several main things to pay attention to when buying accident insurance: First, pay attention to whether the protection content of the accident insurance is comprehensive; second, there are different accident insurance products for people of different ages, so be sure to buy the insurance carefully; third 2. Pay attention to the validity period of the accident insurance contract. Next, the senior sister will give you a detailed chat. Before the lecture, the senior sister prepared a small gift for everyone:

Super complete! All the insurance knowledge you want to know is here

1. The meaning of accident insurance

Accident insurance refers to the death or disability of the policy holder due to accidental injury. The insurance company will provide insurance according to the contract. conditions to pay an insurance premium. The coverage of accident insurance mainly includes accidental death, accidental disability and accidental medical treatment, as well as special protections.

Accident insurance has the characteristics of high leverage and low threshold, but not all accident insurance will pay out. It needs to meet the four conditions of "external, sudden, unintentional, and non-disease". It's the accident that happened. < /p>

2. Things to note when buying accident insurance

Accident insurance generally does not require health notification. As long as you can work and live normally, you can buy the insurance. Compared with critical illness insurance and medical insurance, etc. , the insurance age for accident insurance is also very loose, ranging from 80 years old to 30 days old, you can find suitable accident insurance products to insure. But despite this, there are still some things you need to pay attention to when buying accident insurance. Let’s take a look at it below.

(1) The protection must be complete. The protection content of accident insurance is not as rich as that of critical illness insurance and other insurance types, but accidental death, accidental disability and accidental medical treatment are the core contents of accident insurance and must be included!

(2) The contract must take effect quickly. Under normal circumstances, most of the accident insurance products on the market take effect at 0:00 the next day after the insurance is successfully purchased, but there are also some products that take effect 3 to 7 days after the insurance is successfully purchased; naturally, the most effective ones are the next day. good.

(3) Try to cover high risks. People of different age groups face different risks of high incidence, so it is necessary to choose the appropriate accident insurance product according to the age of the policy holder. For example, people who work intensively are more suitable to buy accident insurance products with sudden death protection. risk.

After seeing this, if any friends want to compare shopping, don’t miss the following article:

In 2022, the most worth buying accident insurance is here

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