personal accident insurance is different from pension insurance, medical insurance and unemployment insurance, so what are the characteristics of personal accident insurance? In view of this problem, lawyer Peng Songming gave three general views, which are summarized in detail below. First, the characteristics of personal accident insurance: 1. Short-term: Accident insurance is a short-term insurance; Generally, it is a one-year period, and some are several months or shorter. Such as accidental injury insurance for various tourists, the insurance period is one trip; Tourists' safety insurance, the insurance period is one cycle; The swimmer's safety insurance period is shorter, and the insurance period is only one time. 2. Strong flexibility: Many insurance policies in personal accident insurance are signed by both parties, and the insurance amount is also agreed by both parties through consultation (not exceeding the maximum limit), and the insurance coverage is also more flexible than the insurance coverage. The insurance procedure is also very simple, and it will take effect when the payment is signed on the spot. The insured does not need to take part in the medical examination, as long as they have the ability to pay. 3. The premium is low: generally there is no saving function. After the insurance period expires, even if there is no insurance accident, the insurance company will not return the premium. Therefore, the general premium is low and the protection is high. Work-related injury insurance and personal accident insurance work-related injury insurance are a project of social insurance, which is compulsory and all enterprises must participate. It mainly ensures that employees who suffer from accidents or occupational diseases at work get medical treatment and economic compensation, promotes work-related injury prevention and vocational rehabilitation, and disperses the risk of work-related injuries of employers. Further reading: What groups are there in personal accident insurance except liability? What is the difference between personal accident insurance and employer liability insurance? What kind of situation does accidental injury insurance refer to?
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.