1. If you pay attention to the protection of accidents, you can choose PICC P&C personal accident insurance in China to buy accident insurance. Truck drivers belong to the sixth category in the occupational population classification of insurance companies. 5-6 professional groups, comprehensive protection, annual payment of about 2000.
2. If you consider the cost performance, you can consider the high-risk occupational accident insurance of Anxin Insurance, and the annual payment is between 800- 1000, which has a high cost performance. For people with high-risk occupations, instead of sticking to accident insurance products, it is better to build a security system from another angle and better choose term life insurance with less strict occupational restrictions.
Extended data:
Special protection of driver's accidental injury insurance
1, accidental death protection
If the insured suffers accidental injury due to a traffic accident while driving a motor vehicle, the insurer shall pay death insurance benefits according to the insurance amount agreed in the terms of this insurance contract within 180 days (inclusive) from the date of the accident, and this insurance liability shall be terminated.
If the insured has received the accidental disability insurance money before the insurer pays the accidental death insurance money, the insurer may deduct the paid accidental disability insurance money from the paid accidental death insurance money.
2, accidental disability protection
If the insured suffers accidental injury due to a traffic accident while driving a motor vehicle, the insurer shall pay the insured accidental disability insurance money. And the insured still needs to continue to receive treatment, the insurer shall conduct disability appraisal according to the physical condition of the insured 180, and pay the accidental disability insurance money according to the disability appraisal result.
However, if the insured causes more than one physical disability due to the same accident, the insurer shall pay the sum of the insurance benefits of the disability items in the proportion table. If different disability items belong to the same hand or foot, then the insurer only needs to pay the higher accidental disability insurance premium.
The insurer's liability to pay disability insurance benefits to the same insured is limited to the amount of accidental disability insurance agreed in this insurance contract. This insurance liability shall be terminated if the accumulated accidental disability insurance premium paid by the insurer reaches the amount of accidental disability insurance.
3. Accident medical insurance
If the insured drives a motor vehicle, causing accidental injury due to a traffic accident and receiving treatment in a hospital designated or recognized by the insurance company, or receiving rescue in a nearby hospital (the insured needs to be transferred to a hospital designated or recognized by the insurer for treatment after his condition is stable).
The insurer shall pay 90% of the reasonable medical expenses paid by the insured within 180 days from the date of the accidental injury accident after deducting 100 yuan from the accidental hospitalization medical insurance premium.