(1) If the insured dies for the same reason within 180 days from the date of the accidental injury accident, the insurer shall pay the accidental death insurance premium according to the personal accident insurance amount recorded in the insurance policy, and the insurance liability to the insured shall be terminated. ?
If the insured has received the insurance benefits in Items (2) to (4) of this article before his death, the death insurance benefits shall be the balance after deducting the insurance benefits already paid.
(2) If the insured suffers an accidental injury accident, and one of the disability levels listed in the Table of Disability Levels and Insurance Payment Proportion attached to this insurance contract is caused by the same reason within 180 days from the date of the accident, the insurer shall pay the disability insurance money by multiplying the payment ratio listed in the table by the insurance amount.
Extended data:
Characteristics of accidental injury insurance:
(1) Payment of insurance benefits
In the event of an insured accident, the death insurance premium shall be paid according to the agreed insurance amount, and the disability insurance premium shall be paid according to a certain proportion of the insurance amount.
(II) Basis of insurance premium calculation
The pure premium of accident insurance is calculated according to the loss rate of the insured amount. This method holds that the probability of accidental injury of the insured depends on his occupation, type of work or activity. Other things being equal, the higher the risk of the insured's occupation, work type and activities, the more insurance premiums should be paid.
(3) insurance period
The insurance period of accident insurance is short, generally not more than one year, up to three or five years.
(4) Debt reserve
The liability reserve due at the end of the year is calculated according to a certain proportion (such as 40% and 50%) of the premium income of the current year, which is the same as that of property insurance.
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