1, protection scope
Accident insurance usually includes three aspects: accidental death, accidental disability and accidental medical treatment. Some accidental medical treatment also includes accidental hospitalization allowance, which is quite good. If there is additional sudden death protection, you should also choose. After all, most accident insurance does not include sudden death. If there is sudden death protection, the protection will be more comprehensive.
It is important to note that not all accidents will be compensated. Be sure to understand clearly before insuring, these common accident insurance companies will not pay for it, and they must accept it! 》
2. Pay attention to common accident protection.
Accident insurance mainly depends on the insured amount of ordinary accidents, and the probability of claims for ordinary accidents is higher. There are some long-term accident insurance in the market, the main insurance coverage is only 6,543,800 yuan, plus 6,543,800 yuan traffic accident insurance. This kind of insurance is actually useless.
3. The emphasis is on accidental medical treatment.
(1) The lower the deductible, the better.
Accidents generally have deductibles, usually several hundred yuan. The deductible is within the scope of reimbursement. After deducting the deductible, the rest is the scope of accidental medical compensation.
(2) The higher the compensation ratio, the better.
The proportion of accidental medical compensation is not certain, it depends on the product. Therefore, when choosing products, we must choose products with higher compensation ratio, so that the final compensation for accidental medical treatment can be more.
(3) whether to restrict social security
Many accident insurance can only be reimbursed by limiting the medication or treatment within social security, and the scope of reimbursement outside social security needs to be borne by itself. If the accident is serious, the medical expenses are high, and the personal burden is also great. Therefore, it is best to choose products that are not subject to reimbursement in social security.