The claim scope of social security accident insurance

Accident insurance, that is, accidental injury insurance, refers to life insurance with death or disability caused by accidental injury as the condition of paying insurance money. \x0d\ Accidental injury refers to the physical injury caused by external, sudden, unintentional and non-disease objective events. \x0d\ At present, the common accident insurance in the market includes comprehensive accident insurance, traffic accident insurance and travel accident insurance. \x0d\x0d\ Basic configuration: Comprehensive accident insurance \ x0d \ Comprehensive accident insurance is the accident insurance with the widest coverage and the highest cost. Any death or disability caused by accidental injury is within its scope of protection (excluding liability). General comprehensive accident insurance can guarantee about 500,000 yuan a year through 600 yuan premium. Most products can be added with accidental medical treatment, ambulance fees, etc. The more insurance coverage, the higher the premium. Comprehensive accident insurance is the basic configuration of accident insurance. On this basis, you can increase short-term specific accident insurance such as traffic accident insurance and travel accident insurance according to your actual situation. \x0d\ x0d \ Supplementary configuration: Traffic accident insurance \ x0d \ Literally: Traffic accidents include aviation accidents, railway ship accidents, passenger accidents, rail traffic accidents, private car accidents, etc. Traffic accident insurance will include one or more of them. \x0d\ At present, there are two modes to choose from in traffic accident insurance: one is flexible, with various insured amounts freely combined and unrelated, with more choices and slightly higher price; The other is the fixed type, which automatically generates the insurance coverage of other projects in proportion after determining one insurance coverage, such as selecting 6,543.8+0,000 aviation accidents and automatically generating 200,000 trains and 6,543.8+0,000 cars. The insurance amount of the last two items is generated by default according to the insurance amount of the first item and cannot be modified. 200 yuan premium traffic accident insurance covers most of the traffic accidents mentioned above, which can guarantee about 500,000 yuan a year. \x0d\ I would like to remind you that traffic accident insurance is only for traffic accidents, and generally refers to accidental injuries caused by rollover, derailment, falling, sinking, fire, explosion and collision with other objects. Accidents caused by other reasons in the car are not covered, such as the subway station being squeezed off the platform and being stabbed by mental patients in the bus. \x0d\\x0d\ Specific configuration: Travel accident insurance \x0d\ Travel accident insurance usually covers areas not covered by accident insurance such as skiing, diving, horseback riding and rock climbing. It will also provide protection for expenses including travel kidnapping and illegal detention, the return of corpses and the return of accompanying minors. \x0d\ Usually, travel agencies collectively insure tourists, and tourists can also insure themselves. The duration varies from 1 day to 90 days, and visitors can choose freely according to the actual itinerary before departure. Prices vary greatly according to the scope of protection, ranging from a dozen yuan to several hundred yuan. \ x0d \ x0d \ Tips for accident insurance: \x0d\ 1. Accident insurance is consumer insurance, which has little to do with age and is mainly one year. Remember the guarantee period when you apply for insurance, and buy it in time when it expires to avoid a guarantee gap; \x0d\2。 Unless otherwise specified, the effective date of accident insurance is usually 0: 00 the day after the purchase date. If the purchase on the same day does not take effect, it needs to be purchased in advance; \x0d\3。 Insurance exclusions usually include: drunk driving, driving without a license, drug abuse, suicide, etc. \x0d\4。 In order to avoid moral hazard, the maximum amount of death insurance for minors is 654.38 million yuan; \x0d\5。 "Sudden death" is usually considered to be caused by illness and is not covered by accident insurance.