Before the analysis of the article, in order to let everyone read this article better, senior sister will first popularize what accident insurance is for everyone.
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
1. What does accident insurance cover?
Accident insurance, as its name implies, is to protect personal injury caused by external, sudden, unintentional and non-disease events. Accidents such as children slipping, old people falling, accidents and car accidents can all be guaranteed. In addition, I have to say that sudden death is not an accident. Therefore, accident insurance does not guarantee sudden death unless otherwise specified.
Generally speaking, a qualified accident insurance will have three guarantees: accidental death, accidental disability and accidental medical treatment. The insured can get corresponding compensation for his death, disability or hospitalization due to an accident. Among them, in the case of accidental death, the general compensation amount is 100% of the basic insured amount. If it is accidental disability, the disability level must be determined before the disability ratio can be finally determined. Accidental medical treatment is actually a kind of reimbursement insurance, and the amount of medical expenses of the insured determines the amount of compensation.
If you don't know how much you should choose now, please learn more through the following.
How much insurance is appropriate? Talk about the doorway inside.
Seeing this, do some friends already want to buy themselves a high-quality accident insurance? Don't be too hasty There are countless accident insurances on the market. It is not so easy for us to find the most suitable one from many products. Next, the school sister will introduce what problems need to be paid attention to when buying accident insurance.
Second, what are the precautions for buying accident insurance?
1, accident medical insurance is indispensable.
As mentioned above, the accident insurance that can provide comprehensive protection for the insured is a qualified product, but there are still some inferior products on the market without accidental medical protection, so we should try our best to avoid this kind of accident insurance and not buy it.
If there is no accident medical insurance, we will not be eligible for compensation because of accidental hospitalization, and we will lose the significance of buying accident insurance.
You know, in our daily life, small bumps are more likely to happen than those big accidents. Therefore, in the absence of accident medical insurance, it is difficult for the insured to obtain compensation and rich insurance.
2. The insurance coverage should be sufficient.
Buying insurance is essentially buying insurance protection. In the event of an insurance accident, we can get high compensation if the insurance coverage is sufficient.
Therefore, when equipped with accident insurance, the insured amount must be sufficient. Senior sister suggested that if the budget is large, the higher the insurance coverage, the better for our policyholders!
3, do not need to care about renewing the lease.
Many friends pay more attention to renewal when configuring accident insurance, thinking that only by buying those long-term accident insurance can they enjoy stable protection. In fact, it has entered a misunderstanding. Insuring accident insurance does not mean that you must choose long-term accident insurance.
The reason is that accident insurance has no waiting period and is not limited to the physical condition of the insured. Under normal circumstances, we can successfully insure as we wish. Therefore, once the accident insurance expires, we don't need to worry about renewing the insurance. Even if this product is discontinued, we can find ourselves a high-quality accident insurance to buy again.
In a word, accident insurance can help us to transfer the economic risks caused by accidents, and each of us should configure this insurance.
What accident insurance is worth paying attention to in the market? Look here and you will know: "In 2023, the most worthwhile accident insurance is here."
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!