Accident insurance, in the eyes of many friends, as long as it is an accident, it should be paid. However, in fact, there are the following four common accidents, and accident insurance will not pay for them.
1. Sudden death. It is understood that at present, an average of 1.8 million people die of sudden death every year in China. We also often see the news of the sudden death of employees of some well-known companies during overtime hours and the sudden death of some celebrities on the Internet.
Many people think that sudden death is an accident, but in fact sudden death is a disease. Most people who die suddenly have pre-existing heart problems, which may seem like an accident, but in fact, the disease has already been planted.
The World Health Organization (WTO) defines sudden death as the sudden death of a person who is ordinarily healthy or appears to be healthy due to a natural disease in an unexpectedly short period of time.
Therefore, sudden death does not meet the condition of "not caused by illness" and is naturally not covered by accident insurance.
However, because sudden death is currently very high, there are many accident insurance policies in the market that can cover sudden death liability. If you are under great pressure on a daily basis and are worried about this kind of risk, you can consider choosing accident insurance with sudden death protection for more peace of mind and comprehensiveness.
2. Some electric vehicle accidents.
According to the relevant laws and regulations of our country, there are two types of electric vehicles on the market:
Electric bicycles: those that can be ridden with pedals, with a speed of less than 25 kilometers per hour, are non-motorized vehicles.
Electric motorcycles: at speeds greater than 25 km/h, they are motor vehicles and must be licensed before they can be driven on the road.
If you are riding an electric motorcycle and do not have a driving license or driver's license, if you have an accident, the accident insurance will not be compensated. Because driving without a license involves an exemption clause.
However, if it is an electric bicycle that meets the new national standard and does not violate traffic rules during riding, this kind of compensation can be compensated.
However, because of different local policies, some places still need to be licensed to drive. Therefore, if in these places, the electric car is not licensed and an accident occurs, the accident insurance will not be able to pay.
To be continued......