Accident insurance is cheap, provides practical protection, and is available and affordable to everyone, so it has always been a necessary protection for everyone.
However, accident insurance does not cover all situations, especially some unexpected situations that are beyond our understanding. Many people are not aware of this. Today, let’s take stock of the 8 situations in which accident insurance will refuse to pay.
1. In these 8 situations, accident insurance may not pay
01Sudden Death
When it comes to sudden death, many people’s first reaction is “accident”. But most sudden deaths are caused by cardiogenic diseases, such as cardiovascular and cerebrovascular diseases. Fundamentally speaking, accident insurance does not pay. However, many products now have added sudden death protection to make up for this part of the gap.
02Heat stroke / altitude sickness / single food poisoning, etc.
• Heat stroke is related to physical fitness and is caused by illness. Generally, no compensation is paid.
• Altitude sickness and food poisoning are related to personal constitution and are not considered accidents. Generally, no compensation is paid.
• Group food poisoning of 3 or more people can be considered an accident.
03Falling from a high altitude
99.99% of falls from heights are accidents, and accident insurance can basically compensate for them. However, some products have special provisions for falls from heights, such as limiting the insured amount, limiting occupations that work at heights, etc. This is mainly to prevent moral risks and avoid fraudulent insurance by pretending to fall from heights, such as jumping off a building. When purchasing insurance, you must pay attention to whether there are such restrictions.
04High -risk sports
Common comprehensive accident insurance does not cover high-risk sports. You can buy special high-risk sports accident insurance to get compensation.
05Some electric vehicle accidents
For electric motorcycles with a speed of ＞25km/h , if you do not have a vehicle registration or driver’s license, you may not be able to get compensation. This may involve driving without a license. The specific details depend on the accident insurance terms and policies of each region.
06Involving health notification or not meeting occupational requirements
Some accident insurance policies have health declaration and insured occupation requirements, so be sure to pay attention before purchasing.
07 Going to the wrong hospital
Some accident insurance policies will have exempt hospitals, which are usually stated in the “Insurance Guidelines”. Please pay attention to this before purchasing insurance.
08Insufficient evidence to prove an accident
After an accident, be sure to use your mobile phone to record, keep relevant materials, and report the case in time.
Photo Network_402471732_Nurses’ Day Hospital Nurse Pushing Wheelchair (Enterprise Commercial Use)
Second, pay attention to these 6 points when choosing accident insurance
In addition to paying attention to the exemption clauses and insurance instructions, it is recommended to focus on the following 6 points when choosing accident insurance .
• Accidental death coverage: Children under 10 years old are limited to 200,000
• Accidental Disability: Disability will be compensated on a pro rata basis, and the threshold for total disability claims is high.
• Accidental medical treatment: Choose 0 deductible, no limit on social insurance, 100% reimbursement is preferred
• Hospitals: Some products are exempt from liability for hospitals in the entire region! Be sure to read this carefully.
• Hospitalization benefits: pay attention to the number of deductible days
• Traffic accident protection: Check whether it includes additional compensation for private cars
In general, although the liability of accident insurance is simple, it is still very important to find out carefully before purchasing.
