Accidents are everywhere. Don't you know the accident insurance with high minimum price?

Accidents are everywhere in our lives, such as accidentally falling down, accidentally cutting our hands and so on. We don't know when these accidents will happen. There is a saying that you never know which will come first, tomorrow or the accident.

When an accident happens, it may cause us minor injuries and losses, and it may also cause serious injuries and losses. We also attach importance to how to pass on the loss when an accident happens. Accident insurance can provide such protection at this time.

Today we will tell you about accident insurance.

1. What is accident insurance?

Among many insurance products, I believe that accident insurance is the one that everyone feels most confused about how to pay, when to pay, and how to pay more and less. Let's talk about the definition first: the definition of accident is: foreign, sudden, unintentional and non-disease.

For example: I was walking well on the road, and a flowerpot fell and I was hurt. This is called an accident. It's not an accident that I played basketball outside in 40-degree hot weather and fainted and broke my bone in heatstroke. One of the most controversial issues is sudden death. Some people may say that sudden death is caused by external work pressure, why can't it be considered an accident? This depends on whether there is additional liability for sudden death in the accident insurance you buy. For another example, if you travel to Tibet and get altitude sickness on the way, this kind of usual accident insurance will not be paid unless you attach a high responsibility. As far as ordinary accident insurance is concerned, heatstroke, overreaction, food poisoning, pregnancy accident and sudden death are not paid.

So if you travel to some special places or take part in some risky activities, you need to see clearly the responsibility of the products you buy.

Second, the classification of accident insurance

So, generally speaking, what are the accident insurances? How to find the right one when choosing?

1, comprehensive accident:

This kind of accident insurance is relatively cheap, with the insured amount of 654.38+0 million, and the annual premium is about 300 yuan. Imported drugs, special equipment, imported steel nails and other restricted social security drugs for external use cannot be reimbursed.

Some will also have income and occupation restrictions, such as only 1-3 or 1-4 occupations, while some high-risk occupations such as manufacturing workers and pilots cannot be bought.

Whether it is included in the social security foreign drug liability insurance depends on whether this accident insurance is basic accident insurance or high-end accident insurance. Under normal circumstances, the price difference between the two is 2-3 times.

To add a few words, compared with critical illness insurance and medical insurance, accident insurance does not need health notification and has no waiting period. It generally takes effect within a few days after insurance, and the leverage is relatively high.

2. Specific accident site:

For example, accidents in aviation accidents, self-driving, travel, elevator falling and other scenes.

For example, we are familiar with aviation accident insurance. Everyone has bought it, but 90% of them have bought it and sold it in a bundle, with an insured amount of 300,000 in 30 yuan.

But in fact, the plane accident rate is very low. The coverage of special aviation accident insurance of 1 10,000 actually only needs 1 yuan, and the price difference is 100 times.

Therefore, I generally suggest that people who often travel by air choose to buy aviation accident insurance with unlimited number of flights throughout the year, with annual coverage of 120 yuan,100000 yuan.

Another example is travel accident insurance in specific scenarios.

When traveling abroad, especially when traveling abroad, emergency medical care and emergency transportation responsibilities are also very important. The key moment is to save lives. We will continue to pay attention to tomato protection and talk about emergency rescue later.

Third, the protection content of accident insurance

Different from other products, the liability of accident insurance is generally measured from three aspects: accidental death, accidental disability and accidental medical treatment.

1, accidental death

In the vernacular, it is because of an accidental death that a one-time payment is made. However, it should be remembered clearly that death is caused by accident. At the beginning, we introduced what the definition of accident includes. Exotic, sudden, unintentional, and not sick.

Therefore, there is no limit to whether death is caused by accident, except suicide, of course, compensation can be made. Then it is recommended to match life insurance or critical illness insurance with death liability.

2. Accidental disability

Accidental disability liability generally refers to a serious accident that leads to disability but not death. This kind of compensation is paid in proportion to the level of disability.

The disability standard stipulates the classification of function and disability, and divides the disability degree of life insurance into one to ten levels, with the heaviest level being one and the lightest level being ten. The insurance premium proportion corresponding to the degree of personal insurance disability is divided into ten grades, the insurance premium proportion corresponding to the first-grade disability is 100%, and the insurance premium proportion corresponding to the tenth-grade disability is 10%, with a difference of 65438+ for each grade.

According to this standard, the insurance company will pay a certain percentage of the insured amount according to the level of disability, such as 1 10,000, and the insurance company will pay 70% of the insured amount for the fourth-level disability.

3. Accidental medical treatment

Similar to medical insurance, accidental medical treatment is also reimbursement, which generally includes outpatient, hospitalization and hospitalization allowances.

Outpatient and hospitalization generally use the same amount of insurance, and the amount is not particularly high. 1-20,000 is the most common, and there are also 50,000 and110,000.

Here, I would like to remind you whether the scope of compensation includes external social security drugs, and the price difference is 2-3 times. Common compensation ratios are 100% and 80%, depending on the terms.

Finally, pay attention to the payment period, because many accidental medical insurance regulations only pay the medical expenses within 180 days (including 180 days) from the date of the accidental injury accident, and do not always compensate you indefinitely.

Fourth, how do different people choose accident insurance?

1, accident insurance for children

Children's accident insurance needs to focus on the insured amount of accidental disability and the scope of accidental medical care.

Product recommendation: Ping An Children's Accident Insurance.

Recommended reason: comprehensive accident medical insurance: unlimited social security can reimburse self-funded drugs, with a reimbursement rate of 0 100%, which can be used for outpatient and emergency hospitalization, and the medical insurance for burn accidents is additionally increased. The company has a big brand and high service. A cheap premium equals bonus hunter.

2. Adult accident insurance

The focus of adult accident insurance is that the coverage of accidental death and disability insurance should be sufficient, and the ideal coverage is twice that of term life insurance.

Product recommendation: Ping An Guardian accident insurance

Recommended reason: Accident medical insurance is more comprehensive: Extreme Edition is not limited to social security, and can be used for outpatient and emergency hospitalization, with reimbursement ratio of 100% and no social security reimbursement of 100 yuan. The company has a big brand and high service. Excellent additional guarantee responsibility: The Extreme Edition has added 0-day accidental hospitalization allowance without compensation, 500,000 liability for sudden death, 300,000 liability for infectious diseases, and superimposed compensation for accident insurance protection in specific scenes such as self-driving, aviation, specific activities and public transportation.

3. Accident insurance for the elderly

The focus of accident insurance for the elderly lies in: the coverage of accidental medical treatment.

The physical function of the elderly is declining. Although they are more self-protective than children, they are not as flexible as young people because of their movements. In daily life, they will face unexpected risks such as stepping on empty stairs or slipping, while the elderly recover from falls and injuries more slowly than young people, and the cost of treatment will be more. Because the elderly generally do not bear the family economic responsibility, in the case of limited premium budget, the amount of death insurance does not need to be too high.

Product recommendation: Shi Daixing enjoys one million life personal accident insurance.

Recommended reason: comprehensive accident medical insurance: unlimited social security, self-funded drugs can be reimbursed, with a reimbursement ratio of 0 100%, which can be used for outpatient and emergency hospitalization. Excellent additional guarantee responsibility: the accidental hospitalization allowance will be increased by 0 days without compensation, personal responsibility, sudden death responsibility, and accident insurance premiums in specific scenarios such as airplanes, trains, ships, buses, and self-driving.

Especially suitable for parents who like to travel: global security, suitable for domestic and foreign travel. The most important thing is to extend to the risks of hiking and camping during travel.

If you want a well-equipped insurance plan, you can find a professional insurance broker to provide services for yourself. You can search Baibaojun in Baidu. There are excellent domestic professional insurance brokers to choose from on Baibaojun platform.