Accidental death: this is easy to understand. If the insured dies unexpectedly, the insurance company will pay the corresponding insurance money;
Accidental disability: if the insured suffers from physical disability due to accidental injury, he shall pay compensation according to the corresponding proportion of disability grade 1~ 10;
Responsibility for sudden death: sudden death is actually not an accident, and you need to see an additional agreement; If the accident insurance does not include the liability for sudden death, the sudden death will not be settled; Under the same conditions, accident insurance with sudden death responsibility takes precedence over no accident insurance;
Extra compensation for traffic accidents: for people who travel frequently or take transportation, they can choose products with extra compensation for traffic accidents. In case of accidental death/disability by plane, rail transit and other means of transportation, you can get extra compensation and increase protection.
Accidental death and accidental disability are the most basic protection in accident insurance, so they must be available; Sudden death in traffic accidents and extra compensation are additional responsibilities of some accident insurance, which can be chosen according to your own needs.
The unexpected results are usually: disability, death, and extra medical expenses if injured; Compensation for death/disability is to pay a fixed insurance premium according to the agreement, so we focus on: accidental medical treatment;
Reimbursement scope: Be sure to choose one that is not limited to social security! Social security is the basis of security, and insurance is purchased to make up for the deficiency of social security and reduce its own losses, so the wider the reimbursement scope, the better;
Reimbursement ratio: 100% is the best, because the greater the reimbursement ratio, the more money you reimburse and the less you bear;
Deductible: it is the threshold for reimbursement. 0 is the best, try not to exceed 100 yuan. If you fall, it may not cost much, and you can only bear the expenses within the deductible.
Hospitalization allowance: that is, extra money will be paid during hospitalization, just like "lost time"; This is excellent for products with hospitalization allowance, which can minimize the losses caused by accidents.
Occupational status: accident insurance products are generally not informed of health, but the restrictions on occupation are very strict. Pay attention to whether your occupation meets the requirements of underwriting before insurance, and be sure to fill in your occupation truthfully. Don't trust the salesman's verbal promise, otherwise it will affect the subsequent claims.
Effective time: Pay special attention to the friends who want to buy today and go out to play tomorrow. Different accident insurances take effect at different times. If the effective date of the product takes effect at 0: 00 on the third day after successful insurance, then the accidents that occur within these three days will not be settled.
Reimbursement hospitals: Although most reimbursement hospitals for accident insurance are limited to domestic second-class and above public hospitals, each product has different restrictions on reimbursement hospitals in terms of terms.
For more accident insurance questions, please consult the official account number of WeChat Bao Da!