Comprehensive accident insurance Dictionary

Comprehensive accident insurance refers to the insurance premium paid by the insured to the insurer in accordance with the contract, and the insurer shall be liable for compensation for the property damage caused by the possible accident as agreed in the contract. It is like an invisible umbrella, a compensatory protection after suffering from an accidental force majeure. There are many kinds of insurance, at present, the general people are more enthusiastic about "three risks", "five risks", but for special types of work and special events people will choose for sudden, force majeure factors of accident insurance.

Insurance classification

Comprehensive accident insurance is also known as personal accident insurance. Refers to the insurance company shall pay insurance benefits in accordance with the provisions of the insurance contract when the insured person is disabled or dysserving in accordance with the provisions of the insurance contract for an accident that has occurred unexpectedly, as a result of an unintended, foreign or sudden accident, resulting in an injury to his body.

Personal accident insurance can be divided into personal accident insurance and team accident insurance two categories:

1. Personal accident insurance refers to insurance based on the accident injury that the insured person may encounter in his daily life and work, and the insurance period is generally short for a period of one year or less.

2. Group accident insurance refers to the social organization in order to prevent members of the Organization from being maimed or killed by accidental injury and suffering a great loss, the social organization as the insured, the social organization as the insured, the insured person, the insured person caused by the accident caused by the person's major injury, disability, death as the insurance accident.

How to get insurance

First, consumers can go to the professional insurance company sales counter to buy: fill in the insurance policy, insurance company after receiving insurance premiums issued insurance certificate, insurance effective.

Second, consumers can also buy through the website, can support online insurance. Consumers complete filling out insurance information online, and the payment will take effect.

Third, consumers can contact qualified personal agents to buy. Many consumers have insurance agents that serve themselves, and consumers can buy them through them.

Fourth, can also be purchased through qualified agencies: many insurance companies will be the system terminal device in the agency, the customer provides insurance information and the agency to deliver insurance premiums, the agency through the insurance company system to print insurance vouchers to consumers, insurance effective.

Claims conditions

Accidental injury must meet the following requirements:

1, external factors caused by, refers to the insured person's external causes caused by accidents, such as car accidents, attacks by gangsters, drowning, food poisoning and so on.

2, sudden, refers to the accident caused in an instant, there is no longer a long process, such as falling water, electric shock, fall and so on. And occupational diseases are gradually formed by injuries, and are foreseeable and preventable, so they are not accidents.

3, accident occurred, refers to the insured unexpected and non-intended accidents, such as aircraft crash, and some other accidents, although foreseeable or avoided, but because can not resist or perform their duties can not be avoided, should also be included in the scope of "accident", such as the ship was forced to jump into the sea to escape, see yi yong for the fight with the gangsters and injured.

4, non-disease, disease-induced injury, although I can not anticipate, but it is the result of the human body itself, not an accident. Such as cerebral hemorrhage attack is not personnel.

5, the body is injured, the object of accidental injury must be the body of the insured person, and the fact of injury is established, such as: although electrocuted but not injured the body, it is not established the fact of injury.

Insurance content editing

Generally pay for the amount of insurance you purchased, and in certain cases, double the amount of insurance.

All other cases are covered except for the following deductibles:

1, regardless of whether in the situation of sanity or not suicide or self-injury;

2, you or the death of the insurance premium beneficiary intentionally caused;

3, as a result of their own criminal acts or due to resist arrest;

4, war, military action, riots, rebellion;

5. Illegal use, smoking or injection of illegal drugs, addictive inhalation of toxic gases, alcoholism or fighting;

6. Drunk driving, driving without a license or driving a motor vehicle without a valid driving permit;

7, engaged in diving, water skiing, skydiving, rock climbing, bungee jumping, horse racing, racing, wrestling, adventure activities and stunts and other high-risk activities;

8. Pregnancy, abortion or childbirth;

9, drug allergy, food poisoning, medical accidents caused by injury or not in accordance with the doctor's instructions to take, apply, inject drugs;

10. Caused by insanity or disorder;

11. Explosion, heat or radiation caused by atomic or nuclear energy installations.