1, accidental medical insurance is a surgical accident insurance for the insured to provide coverage for reimbursement of medical expenses incurred as a result of an accidental injury, which means that many complications during or after surgery are not medical malpractice. For such accidents, the hospital side has no liability and is prone to medical disputes.
2. Surgical accident insurance, mainly due to the many uncontrollable factors during surgery, such as surgery of the heart's major blood vessels, internal organ trauma, etc., may cause hemorrhage during surgery due to the mutation of the body structure, which belongs to the surgical accidents, but this kind of accidents does not belong to the medical error and medical malpractice. Surgical accident insurance is a new type of insurance to deal with such accidents. With this insurance, hospitals hope to share the risk and alleviate doctor-patient disputes. Currently, the Beijing Municipal Commission of Health and Family Planning is advocating the implementation of surgical accident insurance. In addition to You'an Hospital, a number of hospitals, including Fu Wai Hospital, Union Hospital and Anzhen Hospital, are also piloting the program.
3. More insurance means more protection. If there is an accident during the surgery or the surgery fails, you can also get some compensation, relieving some of the financial pressure on your family.
4. Reduce financial disputesMedical disputes sometimes occur in hospitals. After the accident insurance, if there is a problem during the surgery, you can get compensation through the insurance, which can greatly avoid medical disputes.
5, how much is the accident insurance for surgery? Surgical accident insurance is generally exclusive to hospitals, and the charges for surgical accident insurance vary according to different departments and risk levels. Consumer accident insurance costs tens to hundreds of dollars, and may cost several hundred dollars a year. According to the price of refundable accident insurance, it's about $2,000-$3,000:$1,692 for ages 18-40, $2,679 for ages 41-50, and $3,194 for ages 50-55. For example, the main type of insurance is the Million Dollar Anywhere Insurance Liability:Aviation accidents, waterway accidents, land transportation accidents, death or high disability 1 million dollars, 120% of the premium paid will be returned safely for life. Premiums for personal accident insurance are related to the type of product, coverage, duration of insurance, insurance situation and other factors, and can not be directly stated.
6. Surgical accident insurance charges vary according to different sectors and risk levels. Nowadays, you can insure the following types of insurance: abortion accident (obstetrics), cesarean section accident (obstetrics), cataract accident (ophthalmology), liver surgery accident (internal medicine), anorectal surgery accident (intestinal), urological surgery accident (urology) and so on. The purchase of surgical accident insurance is voluntary, because it is purchased in the hospital, there may be some forced purchase to exaggerate the risk of surgery, but it should also be purchased according to the risk of surgery. If the surgical risk is high, it is recommended to purchase surgical accident insurance as protection, such as life insurance.