How about accident insurance?

How about accident insurance? This problem can't be generalized, but should be analyzed according to your specific situation. Here is a brief introduction to the characteristics of accident insurance for your reference. (1) Payment of insurance benefits. In the event of an insured accident, the death insurance premium shall be paid according to the agreed insurance amount, and the disability insurance premium shall be paid according to a certain proportion of the insurance amount. (II) Basis for premium calculation: The pure premium of accident insurance is calculated according to the loss rate of insured amount. This method holds that the probability of accidental injury of the insured depends on his occupation, type of work or activity. Other things being equal, the higher the risk of the insured's occupation, work type and activities, the more insurance premiums should be paid. (3) Insurance period: The insurance period of accident insurance is relatively short, generally not more than one year, and many of them are three to five years. (4) Responsibility reserve. The year-end liability reserve is calculated according to a certain proportion (such as 40% and 50%) of the current premium income, which is the same as property insurance. For more information about accidental injury insurance, you can consult Shenzhen Muchenglin Technology Co., Ltd., thank you!