Shopping for accident insurance, some of my shopping principles to share with you, meaning first of all this accident insurance you want to buy to whom?
If this insured person, engaged in IT or financial stocks, this kind of work pressure is relatively high, work long hours of work type, then it is best that we buy the accident insurance contains sudden death liability.
If the insured person often travels, travel all over the world work, then we focus on considering this accident insurance public **** traffic liability whether to include the responsibility of the network car, and public **** traffic liability in the plane, train, such as public **** transportation coverage is higher.
If the insured is engaged in an occupation that is physically demanding or a hobby that is hazardous in daily life, then we will focus on whether the disability liability of this insurance policy includes only total disability or also high disability liability.
If the insured person is a small child, the child is more active, and not enough awareness of the danger, they bumped into the cat scratching the dog bite is a relatively common accident, if the accident insurance contains the reimbursement of accidental medical provisions of the limit is certainly the less the better, if the accidental medical treatment can be included in the special needs or private health care, that is certainly the best, because we know that the general public hospital ( The reason for this is that we know that in general public hospitals (including the top public hospitals for children such as the Children's Research Institute), it is impossible for a child to get a bump and break without stitches, and if the injury is on the face, then if we can go to a private hospital that doesn't require stitches, then we will be able to greatly minimize the probability that the child will be left with a scar.
Additionally I say a little bit about the cost-effective problem, generally an accident insurance, 500,000 accident coverage, the premiums in the 500 yuan - 1,000 yuan per year, of which the return type (how many years did not have insurance, the money can be refunded to the customer) prices will be relatively high, the consumer type (the current year did not have insurance, the premiums will be consumed) the cost-effective, and more flexible (such as three to five years before the protection of the responsibility) (none of which covers internet dating, which is a travel tool that has only emerged in the last few years).
In short, there are no two sweet ends of the sugarcane, and we should always shop for insurance that covers our actual needs first and foremost.