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1. Special agreement and insurance instructions
When you buy accidental injury insurance, you must know whether your occupation is included, and pay attention to the insurance clauses in the special agreement, which are not included, such as falls, sudden death, and drowning. Some insurance companies will also set the premium for special protection very high. For example, the aviation accident insurance premium is set to 1 million, while the traffic accident is only 500,000.
2. Effective date
The validity period of accident insurance is generally the second day after purchase, but for some insurance products, it is at 0:00 on the 7th day after successful insuring. Generally speaking, we should 意外保險 a shorter accident insurance validity period. If the validity period is longer, we should pay attention to whether the protection will be interrupted during this period of time.
3. Health notification
The validity period of accident insurance is generally one year, and the health notification is relatively loose, which generally means that the insured is in good health and can work or live normally. If the disabled have affected the lives of normal people, they cannot purchase accident insurance. For example, patients with diabetes or cancer can purchase normal insurance if they do not affect their daily lives.
4. Automatic renewal
Many accident insurances with low premiums cannot be automatically renewed after one year.
(1) If you are pursuing high insured amount and high protection, the adult accident insurance of the big law protector
Dahufa adult accident insurance has aviation and comprehensive traffic accident protection, and people over 60 can also apply for it. There is no social security limit for reimbursement, comprehensive protection, and the premium is not expensive.
(2) To insure a child: ping An Baby Guardian
ping An Baby Guardian is divided into two protection plans: infant protection and youth protection. The two types of protection have the same content, but for different age groups, youth insurance premiums will be relatively cheap.
(3) Insuring older elderly people: kindly insure elderly accident insurance, Asia pacific Superman
The maximum insurance age of this product is 80 years old, and there is no social security limit, and the maximum reimbursement can be 100%, and the premium is relatively moderate. The price of Asia pacific Superman is also very close to the people. Accidental medical insurance is 0 deductible, 100% compensation is paid, and the price/performance ratio is very high.