What are the protection responsibilities of accident insurance?

Accident insurance, that is, accidental injury insurance, takes the insured's body as the subject matter of insurance, and takes the death, disability, medical expenses or temporary loss of working ability caused by unintentional, foreign and unexpected accidents as the condition for paying insurance benefits.

It can include the following insurance responsibilities: death responsibility, disability responsibility, medical expenses compensation responsibility, hospitalization allowance responsibility, nursing responsibility, etc.

Accidental death liability is the death liability insurance money paid by the insured due to accidental death;

Accidental disability liability is generally paid according to a certain proportion of disability level and insurance amount. The level of disability is1-10;

Accidental medical responsibility includes outpatient or inpatient medical expenses caused by accidents, and the deductible and compensation ratio are generally agreed;

Accidental hospitalization allowance is to pay hospitalization allowance within the amount and days agreed in the contract according to the number of days of accidental hospitalization of the insured.

Accident insurance can be roughly divided into three categories: general accident insurance, special accident insurance and group accident insurance. Different accident insurance products have different coverage and different conditions for paying insurance benefits.

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