I have no social security and want to buy an accident insurance. What accident insurance is good, I want to buy it.

The following is my Sina blog (Sina blog Xue Chunning), I hope it will help you:

There are two types of accident insurance: consumer accident insurance and return accident insurance. Consumer accident insurance is very cost-effective, and the insured can get thousands of times of risk protection with little investment, and the insurance period is one year; Refundable accident insurance not only caters to people who like to save, but also expands the risk protection responsibility of various means of transportation (aviation, driving, etc.). ). The insurance period is mostly between 20 and 30 years. Although the premium is higher than the consumer accident insurance, the insurance company will refund the premium paid after the insurance period ends. Two types of accident insurance are suitable for people with different needs, and there is no difference between good and bad. Xiao Xue today takes consumer accident insurance as an example. Let's see what protection accident insurance can bring us:

First of all, the responsibility for accidental death. Accident insurance includes life insurance liability, but it is limited to risk accidents caused by unexpected reasons. When the insured is at risk of death, the insurance company will pay the insured amount to the policy beneficiary according to the contract. For the designation of policy beneficiaries, Xiao Xue also made a simple analysis in "Three Kinds of People in Life Insurance Contracts-the Insured, the Insured and the Beneficiary".

Second, the responsibility for accidental disability. Accidental disability refers to disability or scald caused by accidental injury. Pay the agreed insurance amount according to the disability level, scald area and corresponding proportion.

Third, accidental medical responsibility. Accidental medical treatment refers to the reasonable and necessary treatment expenses caused by accidental injuries during the treatment. Accidental medical treatment is cost compensation insurance (also called reimbursement insurance). According to the actual medical expenses incurred by the insured, reimbursement shall be made according to the limit agreed in the contract, and the amount of compensation shall not exceed the actual medical expenses incurred by the insured. The reimbursed part (including social security medical care) shall not be reimbursed again.

Accidental medical treatment is an important factor to measure the cost performance of an accident insurance. Every insurance company's medical responsibility for accident insurance is slightly different, which is directly related to whether the insured can get claims and the amount of compensation after the accident risk. Accidental medical treatment involves four aspects:

First, the security field. Insurance companies cover the accidental medical liability of the insured, while domestic insurance companies are limited to Chinese mainland. If it exceeds this range, I'm sorry, the insurance company will not be liable for compensation; Foreign insurance companies have certain advantages in this respect, and the coverage area can be extended to the global scope.

2. Deductible. The deductibles are like the 1800 yuan deductibles of social security medical care. We will bear the medical expenses below the deductible, but the deductible of accident insurance is not as high as that of social security, and most of them are 1 1,000 yuan. Insurance companies will only reimburse medical expenses incurred above 1 1,000 yuan. Do all accident insurances have deductibles? Of course not! 0 deductible accident insurance is not absent, and there are quite a few.

Third, the reimbursement ratio. The payout ratio of accident insurance in the market is mostly 100%, but in actual claims, the claims received by many people are not consistent with the actual medical expenses, and some are even far from the actual expenses, which leads many people to question the insurance. Xiao Xue will explain why today. Many insurance companies, especially domestic insurance companies, only reimburse the expenses stipulated in the basic medical insurance (injection fees, materials fees, laboratory fees, etc.). ) and basic medical insurance drugs. The Catalogue of Medicines for Basic Medical Insurance is divided into three categories: Class A (no self-payment), Class B (partial self-payment) and Class C (full self-payment). If the out-of-pocket expenses of Class B and the medical expenses of Class C are not covered by social security reimbursement, they will naturally be excluded from the reimbursement of commercial accident insurance. However, many foreign insurance companies have expanded the insurance liability for reimbursement of self-funded drugs in accident insurance, and truly achieved 100% reimbursement within the limit. I don't need to say more about which is better for a smart person like you.

Fourth, the reimbursement limit-annual limit or time limit? The compensation limit for accidental medical treatment is directly proportional to the liability for accidental death, and usually does not exceed 10% of the amount of accidental death insurance. Xiao Xue takes the accidental death insurance coverage of 654.38+10,000 yuan as an example. The maximum amount of accidental medical treatment will not exceed 654.38 million yuan, and most insurance companies will take this 654.38 million yuan as the annual reimbursement limit of the insured and stop reimbursement within one year; But not all companies will do this. Some companies will only use RMB 6,543,800+as the reimbursement limit of the insured, and there is no limit on the number of reimbursement within one year.

Finally, the responsibility of hospitalization allowance. Hospitalization allowance refers to hospitalization caused by accidental injury, which is subsidized according to the length of hospitalization, and the amount of subsidy is paid according to the agreement at the time of insurance. It is worth mentioning that hospitalization allowance is different from accidental medical treatment and belongs to payment insurance.

The so-called payment insurance means that in insurance claims, the actual loss amount is not a claim condition. As long as the contract is reached, no matter how many contracts the insured has, the insurance company of each contract will pay the insured according to the amount agreed in the contract.

After reading Xiao Xue's brief explanation of accident insurance, you might as well do a policy physical examination for your accident insurance. Better late than never, it must be a good thing. For those who haven't bought yet, you can accumulate professional experience and look at insurance from an expert's point of view. After all, too many people are confused by the excitement, not only jumping into the water, but also falling into the pit.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.