Fortune School 丨 Unexpected Fengyun accident insurance allows you to stay away from floating life troubles

Tianshan.com reporter Ran Hu

Accidents will happen. Regardless of poverty or wealth, unexpectedly treats every family. However, the crackdown brought by accident is not that every family has the ability to bear it. Therefore, it is important to prepare a guarantee in the face of unexpected risks. Accidental damage insurance (hereinafter referred to as "accident insurance") will make our lives more secure, so that we will no longer be able to do anything when we are in trouble.

Zhang Xilong, deputy general manager of the accident and health insurance department of the Xinjiang Branch (hereinafter referred to as "China Insurance"), (hereinafter referred to as "China Insurance"), believes that when mild accidents occur in life, such as cutting, injury, sprains, etc., they can generally be possible. If you bear the consequences; but if a large accident occurs, leading to death, severe disability, etc., will have a greater impact on work and family life, and the trajectory of life may change. Therefore, it is particularly important to insure an accident insurance for yourself and his family. It not only transferred risks, but also minimizes economic losses.

"Accidental injury insurance is one of the personal insurance business. It is personal insurance that is based on the insured's death and disability as a personal insurance for paying insurance." Zhang Xilong explained, "The accidents defined by the insurance industry need to meet the emergencies. The four conditions of foreign, non -original, non -disease, and non -disease. "

There are many accident insurance products on the market. How should we choose?

Zhang Xilong reminded: "When we choose to insure accident insurance, the guarantee responsibility can comprehensively underwriting accidental death, accidental disability, reimbursement of accidental medical expenses, and accidental hospitalization allowances to be a basic guarantee for accident insurance. Accidental damage insurance or group accidental damage insurance can basically meet these needs. "

In order to meet the needs of different groups and solve the problems brought by accidents, accident insurance will be different according to different groups and application environments, the types of insurance types and insurance liability. For example, according to scene classification, travel accident insurance for travel, aviation accident insurance for airplanes, and driving insurance for driving are all in the category of accident insurance. Therefore, Zhang Xilong suggested: "On the basis of existing personal injury insurance or group accident damage insurance, according to their own special use scenarios, occupations and needs, you can also supplement insurance products such as aviation accident insurance."

"For different people, you can also buy different insurances according to different risks. For example, construction workers can buy construction workers accident insurance; borrowers can choose borrower accident insurance; for students, students can choose student safety insurance."

The more the accident insurance is not buying, the better. Depending on the professional category and the guarantee amount, the premiums are also different. When buying accident insurance, you must also choose according to your own needs and payment capacity.

In real life, there are some misunderstandings of consumers' compensation for accident insurance. In response, Zhang Xilong made a reminder: "First of all, accidental disability does not mean that they can pay in full according to the amount of insurance. In proportion to pay; secondly, for the unexpected body of minors, pay for the scope of the regulatory regulations-the highest death compensation of the highest death of 10-10 years shall not exceed 200,000 yuan, and the 10-18-year-old compensation shall not exceed 500,000 years. Yuan."

Zhang Xilong said that it is necessary to pay attention to the principle of compensation for accident medical insurance, that is, the compensation cannot exceed the total medical expenses. In addition, when buying insurance, you should also pay attention to what responsibilities you buy insurance. Delicate such as suicide and self -harm, such as the insurer, the general terms are listed as the division, and are not in the scope of accident insurance compensation.

(Market risk, the investment need to be cautious)

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