In fact, accident insurance can't cover all accidents. Want to know what not to pay, you can look here: accident insurance coverage? These common accident insurance companies do not pay for it. "
1. According to the scope of protection
Comprehensive accident insurance: this kind of accident insurance covers a wide range, usually including accidental death, accidental disability, accidental medical expenses, hospitalization allowance and other responsibilities.
Such as: falls, cat claws, dog bites, drowning, electric shock and other comprehensive accidents.
Traffic accident insurance: mainly refers to accident insurance products with accidental injuries caused by accidental traffic accidents as compensation conditions.
Traffic accidents include automobile accidents, rail traffic accidents, water traffic accidents and aviation accidents. Basically, common means of transportation are included.
Travel accident insurance: In fact, travel accident is also a comprehensive accident, but its advantage lies in ensuring regional and rescue services.
2. According to the guarantee period
Long-term accident insurance and one-year accident insurance:
There is not much difference between long-term medical insurance and one-year accident insurance. The difference lies in the guarantee period and premium.
Long-term accident insurance has a long guarantee period and high premium; Short-term medical insurance has short coverage but better protection, lower premium and high cost performance. Small partners can buy according to their own needs.
Very short-term accident insurance:
It is usually used to guarantee temporary travel, such as aviation insurance for a flight, travel insurance for a trip, traffic accident insurance for several days, etc.
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