Accident insurance can generally be handled by personal identity card. The insured shall be a natural person aged 18 and under 65, who is in good health and can work or live normally.
II. Materials to be submitted for accident insurance application:
(1) An application for death insurance and special insurance for death caused by traffic accidents.
1. Insurance claim application;
2. Original insurance policy;
3. The identity certificate of the insured;
4. The death certificate of the insured issued by the public security department or medical institution. If the insured is declared dead, the applicant shall provide a death certificate issued by the people's court;
5. Certificate of cancellation of the insured's household registration;
6. Other certificates and materials that the insured can provide to confirm the nature, cause and loss degree of the insured accident;
7. If the applicant entrusts others to apply, it shall also provide the original power of attorney, the identity certificates of the principal and the trustee and other relevant supporting documents.
(2) Applications for disability insurance, burn insurance, special traffic accident injury and disability insurance, traffic accident injury and burn insurance and total disability supplementary insurance.
1. Insurance claim application;
2. Original insurance policy;
3. The identity certificate of the insured;
4. A certificate of disability or burns issued by a medical institution or judicial authentication institution recognized by the insurer;
5. Other certificates and materials that the insured can provide to confirm the nature, cause and loss degree of the insured accident;
6. If the applicant entrusts others to apply, it shall also provide the original power of attorney, the identity certificates of the principal and the trustee and other relevant supporting documents.
The limitation of action for the applicant to ask the insurer to pay the insurance money is two years, counting from the day when he knew or should have known the occurrence of the insurance accident.