Different types of insurance have different claims for these situations.
Next, Shen Lanjun will analyze it with everyone.
Accidental death and critical illness insurance: If the selected critical illness insurance product has the responsibility of death protection, then you can get compensation for accidental death. However, if the critical illness insurance only covers diseases, then there is no claim.
Medical insurance: it mainly reimburses medical expenses, and the total amount of reimbursement is lower than the insured amount. There is no compensation for accidental death.
Accident insurance: 100% insured compensation, 100% insured compensation for accidental death and total disability.
Life insurance: If you die, you have to pay compensation, so you must pay compensation for accidental death.
To sum up, accident insurance and life insurance are the types of insurance that must be paid for accidental death. What may be paid is critical illness insurance, and what is not paid is medical insurance.
Death and critical illness insurance: as long as the disease is within the scope of the product's disease protection, you can get compensation.
Medical insurance: Similarly, medical insurance is a reimbursement product and does not pay for death.
Accident insurance: If you die of an illness rather than an accident, then accident insurance is not a claim, because the definition of accident insurance is:
When the insured suffers death, disability or loss of medical expenses due to accidents, he can get a sum of compensation, reimbursement of medical expenses and hospitalization allowance through accident insurance.
Life insurance: There is no doubt that it is lost.
To sum up, the types of insurance that can be paid for the death of a disease are critical illness insurance (provided that the disease is within the scope of protection) and life insurance, while medical insurance and accident insurance are not paid.
Micro-medical insurance Micro-medical insurance series includes medical insurance and critical illness insurance, so whether you can get a claim can be referred to the above description of critical illness insurance and medical insurance.
Micro-medical insurance critical illness insurance series:
There are four critical illness insurance products on WeChat, and the guarantee time is fixed. How long the warranty period is, depending on the product you choose:
Micro-medical insurance life-long critical illness insurance: life-long
Micro-medical insurance pays for critical illness insurance many times: for life
Small medical insurance for children with long-term critical illness insurance: to 23 years old
Micro-medical care: one year
Micro-medical insurance medical insurance series
There are two kinds of medical insurance for micro-medicine, and the guarantee period is:
Small medical insurance Long-term medical insurance: 0-60 years old can be insured and guaranteed for 6 years.
Micro-medical insurance million medical insurance: 0-65 years old can be insured, insurance 1 year.
The above is the answer to this question. For more articles on insurance science popularization and product evaluation, please visit official website of Deep Blue Insurance.