Accident insurance disability claims:
1, due to the accident caused by the death or disability of the premiums and due to the accident caused by the lost wages allowance can be stacked, but due to the accident caused by the exception of medical expenses.
2, accidental injury medical insurance can not be stacked reimbursement, but can be reimbursed for the remaining part. For example, if you buy an accident insurance policy from two insurance companies at the same time, if one company reimburses you 90%, then the remaining 10% can be reimbursed by the other company, because the insurance follows the principle of loss compensation.
3. Purchasing accident insurance is not only about needing higher coverage to protect against the risk of death, but also about the amount of money we need to consider for the disability portion of the payout. The most important feature of accident insurance compared to term life insurance is that it has a complete payout for disability. General one-year accident insurance for death or total disability coverage of 100,000 yuan to 200,000 yuan, a year of premiums of 100 yuan to 200 yuan, some commodities are even cheaper.
4, frequent business trips, travel consumers, you can buy a specific traffic accident liability goods, covering airplanes, trains, ships, cars and other means of transportation, the amount of coverage in the 200,000 yuan to 600,000 yuan, and even a few million dollars of coverage, premiums also vary.
Expanded Information:
Accident Insurance Disability Characteristics:
(a) The insurance benefit Payment
In the event of an insurance accident, the death benefit is paid at the agreed amount of insurance, and the disability insurance is mostly paid as a percentage of the amount of insurance.
(2) Basis of Premium Calculation
The pure premium for accident insurance is calculated on the basis of the rate of loss of the sum insured, a method which assumes that the probability of the insured suffering accidental injuries depends on his or her occupation, type of work, or activity engaged in, and that all other things being equal, the higher the degree of risk of the insured's occupation, type of work, or activity engaged in, the more premiums are payable.
(3) Period of Insurance
The period of insurance for accidental injury insurance is relatively short, usually not more than one year, up to three or five years.
(D) Liability Reserve
The reserve for liability due at the end of the year is calculated as a certain percentage of the current year's premium income (e.g., 40%, 50%), which is the same as property insurance.
Baidu Encyclopedia-Accidental Injury Insurance