What should I pay attention to when buying accident insurance? Do you need to be informed of your health?

Friends who know insurance know that insurance can't be bought if you want. You need to tell your health status before insurance, that is, tell the insurance company your physical condition truthfully. Therefore, some people will be increased, extended or even refused insurance by insurance companies because of health problems. Compared with health insurance, which requires strict health notification, accident insurance hardly needs health notification. But isn't it that everyone can buy accident insurance?

Accident insurance generally has strict requirements for the insured's occupation. After all, the probability of accidents among office workers, explosion-proof police and firefighters is definitely different. Therefore, the occupation of the insured is one of the important factors for the company to evaluate accident insurance. Specifically, according to occupational risks, 1-3 is a low-risk occupation; The fourth category is medium-risk occupation; Categories 5-6 are high-risk occupations. Insurance companies will generally raise fees, reduce the amount of insurance, or directly refuse to insure policyholders in high-risk occupations. At present, most accident insurance on the market generally covers 1-3 occupations, and a few 1-4 occupations can also be covered. More than five types of occupations are basically high-risk occupations, and such people will pay higher premiums for accident insurance. Some insurance companies even refuse to insure, and even if they can, the price is much more expensive than that of 1-4.

The claim for accident insurance is different from our traditional understanding of accidental claim. In the case of accident insurance compensation, accidental injury or accident leads to death or disability, and disability and death caused by illness cannot be paid. In short, accident insurance only covers injuries caused by accidents. Secondly, although accidents cannot be predicted and prevented, the probability of accidents is still not as good as our colds and fevers. The insurance company has calculated carefully when determining the rate. Although the losses caused by accidents are rather tragic, the probability of these accidents has been calculated by insurance companies.

It is suggested that you must consult and truthfully inform the insurance company before buying accident insurance, otherwise the insurance company has reason to refuse to pay compensation. In addition, accident insurance also has an age limit, and the elderly may not be able to buy accident insurance. Generally speaking, although there are almost no health instructions about accident insurance, not everyone can buy it casually, and there are certain conditions. In order to reduce the trouble of future claims, it is best to consult clearly before buying.