Nowadays, young people, while flirting with not daring to look at the medical examination report, but fell into the fat house addicted to games and junk food, the body has long been lit up with a red light.
It is understood that the self-assessed health score of the post-90s is the lowest in the field in the 2019 National Health Insight Report, so it is not surprising that 98.75% of white-collar medical examinations show abnormalities.
There have been numerous cases of young people dying suddenly due to continuous late-night stays, and the number of sudden deaths in China is around 500,000 per year, far greater than the number of deaths in traffic accidents.
Previously, some readers have asked whether the insurance company will compensate for the sudden death of such an unexpected thing. Today through a case to analyze!
Aunt Li's sons and daughters are all working outside, so in order to kill time, Aunt Li will go to the park every day after dinner to dance.
And in November 2019, Auntie Li suddenly collapsed to the ground while square dancing, bystanders immediately called the emergency services, unfortunately Auntie Li could not be resuscitated.
Doctors said the cause of Aunt Li's death was sudden cardiac death caused by heart disease.
After dealing with the incident, Li's children remembered that they had previously taken out two comprehensive accident insurance policies for the elderly, with a sum insured of 1 million yuan, and the incident was still within the period of coverage, so they applied to the insurance company for a claim.
However, the insurance company believed that the cause of Li's death was sudden cardiac death, which did not meet the definition of accidental death as agreed in the accident insurance contract, so it rejected the claim application of Li's children.
In general, the premium for an ordinary accident insurance policy with a coverage of 500,000 yuan is only a couple of hundred, which is very little financial pressure on the family.
The worst thing about accidents is that they are unforeseeable, and at the same time they can bring a heavy blow, so spending a small amount of money to insure a big risk is the main meaning of accident insurance.
Accidents are generally defined in accident insurance as ''external, sudden, unintentional, non-disease''.
Sudden death is defined as sudden death, that is to say, it is a patient who seems to be healthy and dies suddenly in a short time due to disease, so sudden death obviously does not meet the ''non-disease'' in the accident insurance, so the accident insurance does not pay for sudden death!
So now on the market mainstream accident insurance, are not included in the responsibility of sudden death, the terms and conditions will be clearly stated within the sudden death is not an accident.
But there are a few accident insurance products that can protect against sudden death, but you need to add the responsibility of sudden death to the insurance policy, and of course the premium will be higher.