With the continuous development of the insurance market, many types of insurance products have emerged in order to meet the needs of policyholders. Among them, the accident insurance premium is low and the insurance conditions are relaxed, so many people are more casual when applying for accident insurance. However, if you do not pay attention, it is easy to misunderstand the insurance liability and cause disputes when making a claim. So how to buy accident insurance, today I want to introduce a few points to you.
First of all, choose according to your type of occupation. The type of occupation can have a huge impact on the choice of accident insurance. Generally speaking, insurance companies will classify occupations into categories 1-6 and occupations that are denied. Among the occupations in categories 1-6, the risk of category 1 is the lowest, the risk of category 6 is the highest, and the risk of occupations that are denied insurance is even higher than that of category 6. Therefore, when applying for accident insurance, you should choose products that are consistent with your own occupation based on your own professional situation.
Secondly, the sum insured is determined based on the level of income. When determining the sum insured of accident insurance, it is generally necessary to match the income level with the sum insured. If you are an adult who buys accident insurance, it is best to have 5-10 times the annual income of the family, because adults are generally the breadwinners of the family, and the amount of insurance should be high, so that even if the insured loses the financial ** due to accidents, it will not bring excessive financial burden to the family. If you are purchasing accident insurance for your child, you do not need to buy a high sum insured.
In addition, accident medical protection should be practical. First of all, not all accident insurance has accidental medical treatment, if you pay attention to products with accidental medical treatment, in addition to the amount of insurance, it also depends on the deductible, compensation ratio, etc. In the case of similar rates, it is better to choose products with low deductibles, preferably 0 deductibles, and products with high payout ratios.
Finally, the duration of the coverage should be appropriate. Accident insurance has many coverage periods, which can be very short or decades. For most people, accident insurance mainly protects against accident risks, regardless of personal health conditions, and does not increase premiums due to age. Even if the insurance is out of business, it can be purchased normally in the second year, and there is no renewal problem. Therefore, there is no need to buy long-term insurance products, you can buy them once a year.
In short, buying accident insurance is not as easy as everyone thinks, if you want to better protect yourself, you must pay attention to a lot of details, before applying for insurance, master certain relevant knowledge, fully understand different products, and then choose the right accident insurance for insurance.