Health insurance claims for accidental death?

If the health insurance product contains death liability, you can pay death insurance money when the insured dies unexpectedly. For example, for life-long critical illness insurance products, if an accident or illness dies during the insurance period, death insurance benefits will be paid.

Whether health insurance pays for accidental death mainly depends on the insurance liability clause. General long-term illness insurance and medical accident insurance can include death liability, medical insurance does not include death liability, and some insurance products are the combination of health insurance products and other types of insurance and have death liability.

Health insurance refers to the insurance paid by insurance companies to the insured for health reasons or medical behaviors, mainly including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance.

According to the relevant provisions of the Measures for the Administration of Health Insurance, medical accident insurance and long-term illness insurance products can include death insurance liability. The death payment of long-term illness insurance shall not be higher than the maximum payment of illness. Other health insurance products shall not include death insurance liability, except for death insurance liability caused by illness.

Medical insurance refers to the insurance that provides protection for the medical treatment and rehabilitation of the insured according to the insurance contract.

Sickness insurance refers to the insurance that provides protection for the insured in the event of diseases agreed in the insurance contract.

Disability income loss insurance refers to the insurance that pays insurance benefits on the condition that the illness or accidental injury agreed in the insurance contract leads to the loss of labor ability, and provides protection for the insured's income reduction or interruption in a certain period of time.

Nursing insurance refers to the insurance that provides protection for the nursing needs caused by the loss of daily living ability of the insured according to the insurance contract.

Medical accident injury insurance refers to the insurance that provides protection for the insured in the event of medical damage that cannot be attributed to medical institutions and medical personnel according to the insurance contract.

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