It is understood that in the "20 19 National Health Insight Report", the self-rated health score of the post-90 s is the lowest in the audience, so it is not surprising that 98.75% of white-collar workers have abnormal physical examinations.
Cases of young people's sudden death due to staying up late are endless. The number of sudden deaths in China is about 500,000 every year, which is far greater than the number of deaths caused by traffic accidents.
Some readers have asked before, will the accident insurance company compensate for such an accident? Today, I will give you an analysis through a case!
Aunt Li's children are all working hard outside, so in order to kill time, Aunt Li will go to the park to dance square dance after dinner every day.
20 19, 1 1, Aunt Li suddenly fell to the ground while dancing in the square dance, and others immediately called the emergency number. It's a pity that Aunt Li didn't come to the rescue.
The doctor said that Aunt Li's death was sudden cardiac death caused by heart disease.
After handling the matter, Aunt Li's children remembered that they had insured Aunt Li for two comprehensive accident insurances for the elderly, with a total insured amount of 1 10,000 yuan, which was still within the guarantee period at the time of the incident, so they applied for compensation from the insurance company.
However, the insurance company believed that Aunt Li's death was sudden cardiac death, which did not meet the definition of accidental death agreed in the accident insurance contract, so it rejected the claim application of Aunt Li's children.
Generally speaking, the premium for ordinary accident insurance with a coverage of 500,000 yuan is one or two hundred yuan, which is very small for families.
The most terrible thing about accidents is unpredictability, and it will also bring a heavy blow. Therefore, it is the most important significance of accident insurance to spend small money to protect big risks.
In accident insurance, accidents are generally defined as "foreign, sudden, unintentional and non-disease".
Sudden death refers to sudden death, that is to say, a seemingly healthy patient suddenly died of illness in a short time, so sudden death obviously does not meet the' non-disease' in accident insurance, so accident insurance does not pay for sudden death!
Therefore, the mainstream accident insurance on the market now does not include the responsibility of sudden death, and the clause will clearly indicate that sudden death is not an accidental injury accident.
However, there are a few accident insurance products that can protect sudden death, but you need to add the responsibility of sudden death when you apply for insurance, and of course the premium will be higher.