Because insurance companies use too professional words, it is often easy to cause obstacles to understanding. A thorough understanding of such insurance products will enable you to insure more rationally. Accidental injury is a common risk type in life, and accidental injury insurance is to transfer medical expenses and other property losses caused by this risk. The reason why insurance makes people feel mysterious, like a liar in a gorgeous coat, is largely because the vocabulary in the industry is too obscure. Just like the comprehensive accident insurance we are going to discuss now, it is also called general accident insurance. The explanation in the clause is that "external, sudden, unintentional and non-disease objective events cause harm to the insured's body, and this objective event is the direct and separate cause of the insured's physical injury or death". This explanation is accurate and professional, but there are quite a few detours. In fact, to put it bluntly, it is the protection for common accidental injuries in our daily life, such as cats scratching dogs, bumps and falls, traffic accidents and so on. Including death. Insurance companies segment the market and create similar comprehensive accident insurance, such as travel accident insurance and vehicle accident insurance. They strengthen protection for specific time or specific activities, and the scope of protection can basically be covered by comprehensive accident insurance. Travel accidents are the protection of accidental injuries during travel, and some products also have distinctive designs, such as Safe Travel World Series, which protect high-risk entertainment sports that are generally listed as exempted items, while insurance for overseas travel mostly includes the protection of compensation for acute treatment expenses, which is very caring for people with special activities. Vehicle accident insurance needs to realize the fact that this kind of insurance is to protect accidental injuries when riding or driving a certain type of vehicle. In terms of space, without transportation, this kind of insurance is powerless. This is different from what we usually think of as traffic accidents, such as being accidentally injured while crossing the road. Such protection needs can only rely on comprehensive accident insurance. The insurance products subdivided in this way can be used as safeguard measures in special periods.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.