Call the customer service phone of the insurance company to make inquiries, and provide the name and identity information as required. The customer service staff will assist in inquiring about the accident insurance policy information.
Bring your ID card to the insurance company's business outlets, handle information inquiry at the counter, and inquire about accident insurance policy information.
Inquire about policy information on the insurance company website, provide identity information as required, and inquire about existing accident insurance policies.
Using the third-party policy management tool, you can query the existing policies and view the purchased accident insurance policy information.
Accidental injury insurance, also known as accidental injury insurance, provides insurance compensation for the insured's death, disability or outpatient and inpatient medical treatment caused by accidental injury.
Generally speaking, the insured pays a certain amount of insurance premium, and the insurer promises to pay the insurance premium to the insured when the insured encounters disasters or accidents within a specific range, causing physical injury and causing disability or death.
Accident insurance refers to an act or contract in which the insured pays a certain amount of insurance premium, and the insurer promises that when the insured encounters a disaster or accident within a specific range, causing physical injury and causing disability or death, the insurer will pay the insurance premium.
The body here refers to the natural body of the insured, excluding artificial limbs, dentures, artificial eyes and other artificial parts. The disasters and accidents that cause accidental injuries to the insured here should have four elements: external cause, suddenness, unintentional and non-disease.
The so-called external cause means that the cause of the injury is caused by factors other than the insured himself. For example, physical damage caused by mechanical collision, smashing and pressing, bite, scald, burn, frostbite, electric shock and light radiation, and chemical damage caused by acid, alkali and gas poisoning. These external factors need to leave traces of damage on the outside or inside of the human body.
The so-called sudden refers to the damage caused by a violent and sudden attack on the human body. There is a direct and immediate relationship between the cause and the result of injury.
For example, the collision in traffic accidents and the crushing of falling objects are all sudden and instantaneous. Physical injuries caused by long-term work under certain environmental conditions are not accidental injuries, such as occupational diseases caused by long-term work in harsh environments, which are different from sudden and accidental physical injuries. The former is not covered by industrial injury insurance.
The so-called unintentional injury refers to the injury caused by an unforeseeable and involuntary force majeure accident. The result of the injury is an accident, and the injury caused by non-accidental reasons cannot be regarded as accidental injury, such as physical injury caused by driving at a speed exceeding the speed limit standard in expressway. This completely predictable and preventable injury is not accidental.
The so-called non-disease means that the damage is not caused by the insured's own physical factors or diseases. For example, pathological fractures caused by osteoporosis or explosive hepatitis caused by hepatitis virus are all injuries caused by diseases.
None of the above four elements can constitute accidental injury, and the requirements must be met at the same time when determining the accident of injury insurance.