Because accident insurance is particularly cheap, it helps to improve social status and daily accident medical treatment. Whether it's a 0-year-old baby or an 80-year-old man, whether it's a pillar who often drives or a housewife who takes care of her children at home, accident insurance is a necessary insurance at home.
Today, we screen one-year comprehensive accident insurance with low payment price, high insurance coverage and comprehensive protection, and help consumers find the insurance that suits them through comparison.
Analysis of this problem:
The common advantages and disadvantages of 1 and one-year short-term comprehensive accident insurance
2, 9 popular one-year accident insurance comprehensive comparative analysis
3. Product selection analysis of different groups of people
I. Common advantages and disadvantages of one-year short-term comprehensive accident insurance
One-year short-term comprehensive accident insurance can protect general accidental death and accidental medical insurance, enhance its value, and reimburse the daily expenses related to accidental outpatient service or hospitalization.
Main advantages:
1, the payment price is cheap.
Generally, the payment varies from tens to hundreds, rarely exceeding 1 thousand, with high leverage ratio and real low premium and high insurance coverage.
2. The scope of protection is relatively wide.
Whether it is an ordinary accident, self-driving, online carpooling, airplanes, trains, ships, or even sudden death, some products are included.
Main disadvantages:
1, the renewal is reviewed annually.
In the first year, if an accidental fracture occurs, a fixed instrument such as a steel plate is inserted into the body during treatment; In the second year, when I went to dismantle the steel plate for re-examination, due to the annual review of accident insurance renewal, the general insurance company did not pay for the accident in the previous year, and even refused to renew the insurance in the second year because of the settlement in the previous year.
You can raise the price, stop selling or change the insurance conditions at any time.
Stop selling one-year short-term accident insurance or change the insurance conditions, just like eating every day, it is common every time. Therefore, buying short-term insurance does not expect to be guaranteed for decades, and it is not bad to insure for one year according to insurance liability. The choice of accident insurance in the second year will be discussed in the second year.
3. High accident insurance has strict health notification requirements.
General accident insurance is high, and seriously ill patients cannot be insured. A serious illness has occurred, and many accident insurances have clear health notification requirements in order to prevent moral hazards such as suicide and fraudulent insurance.
The disadvantages of short-term accident insurance are often the advantages of long-term accident insurance. Long-term accident insurance, don't worry about the suspension of sales and price increases, and don't worry about the interruption of accident insurance due to illness. )
Comparative analysis of two-year and nine-year comprehensive accident insurance
Look at the basic information of the product first:
Basic product introduction:
1, PICC Ruyixing: Generally, the accident insurance coverage of this product is very low, but it is very high when matched with vehicles. Scheme 2 can cover 2 million yuan for driving a private car, but the amount of accidental medical treatment is too low, and the vehicle has an accident. And no compensation will be given for drug allergy, altitude sickness, sudden death due to heatstroke, etc.
2. Zhong 'an worry-free accident insurance: the general coverage is 6.5438+0 million, and the highest number of accidents in public transportation is 6.5438+0 million, that is, 2 million private cars or public transportation and 50,000 accidental medical treatments. Under the condition of high security, the payment is expensive and the exemption clause is unreasonable. You don't have to fall more than 654.38+00 meters or fall more than the third floor.
3. Taikang Million Comprehensive Accidents: 500,000 accidents on average. Coupled with the matching traffic accidents and private car accidents, the overall coverage and medical insurance are relatively balanced, and the compensation price is relatively high.
4. Asia-Pacific Property Insurance Nationals Million Accidents: Although the insured amount is not low, behind the low price is that the exemption clause is too strict and there are many claims restrictions.
5. Cathay Pacific Property Insurance enjoys life accidents: the price is not expensive, and the biggest selling point is that accidental medical treatment can be reimbursed for self-funded drugs, which is more beneficial to major accidents.
6. China Life Insurance Green Boat Accidental Injury 13: The compensation price of this product is not high, but the total amount reaches10,000,000 with less unreasonable exemption clauses and overall balance. In addition, China Life has outlets all over the country, and this product is worthy of attention.
7. Asia-Pacific Million Life Comprehensive Accident: General accident 1 10,000, and it is not expensive to pay 299. It is worth noting that in the exemption clauses, such as heatstroke and altitude sickness are not included in the compensation.
8. Ping An Accidental Injury 13: The biggest selling point of this product is accidental medical treatment, which is guaranteed for five years. Since 200 yuan began to invest, the coverage of accidental injury is not high, but the terms of accidental medical insurance are very good.
9. Shanghai Life Bee Comprehensive Accident Insurance: This is the accident insurance promoted by many online sales platforms and brokers. Accident insurance coverage, compensation price and accidental medical treatment are relatively balanced. Online insurance specifically states that bicycle accidents or drowning accidents caused by driving will be paid by half of the insured amount (there is no such provision in the contract terms, so it is obviously unreasonable to carefully understand whether there is any special agreement when insuring).
Thirdly, the product is suitable for crowd analysis.
1, selected by insurance amount.
The insured amount reaches 2 million: only PICC Ruyixing and Zhongan Worry-Free Million are harsh, especially Worry-Free Million, but PICC's accidental medical care is too low.
If you have already purchased hospitalization medical insurance or millions of medical insurance, it is more suitable to protect your unexpected value; In other cases, worry-free millions are slightly balanced in all aspects.
Coverage reached 65.438+00000: China Life Green Boat and Asia-Pacific Property Insurance Asia-Pacific Million Accidents. The coverage of China Life Green Boat for accidents is generally low, but the additional coverage for traffic accidents such as self-driving can reach 65.438+00000, and it has the characteristics of many outlets and unreasonable exemption scope. The Asia-Pacific region has a high incidence of accidents, high fees and unreasonable exemption clauses.