Accident insurance cannot be compensated in three cases
1. The policyholder's subjective or intentional behavior cannot be compensated: for example, accidents caused by self-injury, suicide or participation in high-risk sports are often related to the subjective will of the policyholder, and the insurance company cannot judge whether self-harm or suicide is an accident, so it will not make a claim.
2. Accidents caused by illegal acts cannot be compensated: such as drunk driving, driving without a license, etc., the insurance company will not compensate for these illegal acts.
3. Diseases known before the accident cannot be compensated: Accident insurance only provides protection for unknown accidents, but does not compensate for known diseases. In the event of an accident caused by an illness, the insurance company will investigate whether the disease was diagnosed before the insurance was taken, and whether the disease caused the accident, and if so, the insurance company will not pay the claim. In addition, if it is found that the policyholder has concealed his or her health status in the health notice before applying for insurance, the insurance company will also refuse to make a claim.
How to buy accident insurance for individuals.
There are multiple insurance channels for individuals to purchase accident insurance, including offline insurance, official website insurance, and third-party insurance channels. The details are as follows:
1] Offline purchase: Users can go directly to the business outlets of the insurance company to apply for insurance or choose the appropriate accident insurance product through the insurer.
2] Official website purchase: You can purchase accident insurance online directly through the official website of the insurance company, and you only need to provide the detailed information of the policyholder and the insured on **, and complete the premium payment.
3] Third-party platform insurance: There are also many third-party insurance insurance platforms on the market, such as Ant Insurance and Tencent WeInsurance, which are third-party insurance intermediary platforms, and users can choose their own accident insurance on these platforms. The insurance products on the third-party platform are all underwritten by insurance companies and are formal insurance products.
Which is better to buy accident insurance for the elderly?
1. Peace and goodwill protection.
This is Ping An Property & Casualty's Accident Insurance for the Elderly, which supports the elderly aged 50-80 to apply for insurance, and can provide accidental death and disability, accidental medical treatment, accidental hospitalization allowance, specific transportation accidents, fracture accidents, ambulance expenses, and new crown death and total disability protection. Accidental medical treatment can be reimbursed by 100% of the social security, the deductible is only 100 yuan, and there is a maximum of 100 yuan of hospitalization allowance. And ** is also very cheap, 199 yuan - 398 yuan can get a one-year guarantee.
2. AXA Sunset Red Accident Insurance.
The product supports 50-85 years old people to be insured, covering accidental death and disability, accidental medical treatment, accidental hospitalization allowance, public transportation accident protection, of which accidental medical insurance is highly practical, you can choose 10,000, 30,000 insurance amount, medical expenses can be 100% reimbursement of social security, and there is no deductible limit, in addition to accidental hospitalization allowance protection, the insured can enjoy a maximum of 80 yuan of hospitalization allowance due to accidental hospitalization, which can supplement accidental medical protection.