Accident insurance; Accident insurance is personal accident insurance, also known as accident or injury insurance, which means that the insured pays a certain amount of premium to the insurance company. When the insured suffers accidental injury during the insurance period and causes death or disability as a direct cause, the insurance company pays a certain amount of insurance money to the insured or beneficiary according to the insurance contract.

Accident insurance coverage:

Basic guarantee

1. Death payment: When the insured suffers accidental injury resulting in death, the insurer pays death insurance. Death compensation is full compensation.

2. Disability payment: When the insured is disabled due to accidental injury, the insurer pays disability insurance money according to the degree of disability. Disability allowance is paid in installments.

3. Medical compensation: When the insured pays medical expenses due to accidental injury, the insurer will pay according to the actual situation. There is a maximum amount of medical compensation, and the medical insurance for accidental injury is generally not covered separately, but as an additional insurance for accidental injury, death and disability.

4. Compensation for shutdown: When the insured temporarily loses the ability to work due to accidental injury, the insurer pays shutdown insurance money.