Accidents may happen to everyone in daily life, and are more likely to cause personal injury, so many people will purchase accident insurance so that they can get compensation when they suffer personal injury.
However, many people still don’t know much about the coverage of accident insurance, and how to make a claim when an accident occurs. Next, let’s take a look at what the coverage of accident insurance includes and how to make a claim.
1. What does accident insurance cover?
1. Accidental death
Death benefit is a certain amount of money paid by the insurance company to the beneficiary when the insured dies due to an accident. It can be used to pay for funeral expenses, debt repayment, and family living expenses, etc.
2. Accidental disability
Disability insurance is a certain amount of money paid by the insurance company when the insured suffers permanent or partial physical disability due to an accident. It is used to pay for medical expenses, rehabilitation treatment expenses, daily living and income compensation, etc.
3. Medical expenses
Medical expense insurance refers to the medical expenses paid by the insurance company when the insured person is injured due to an accident and needs treatment. Medical expenses include hospitalization expenses, surgery expenses, medicine expenses, rehabilitation treatment expenses and other expenses related to treatment.
4. Accidental injury allowance
Some accident insurance may also include accidental injury allowance. If the insured person suffers temporary disability or incapacity due to an accident and is unable to work or live normally, the insurance company will pay a certain amount of money every month to help the insured person cope with living expenses and income loss caused by the disability or incapacity.
5. Specific traffic accident protection
Specific traffic accidents refer to a certain amount of money paid by the insurance company if an accidental injury occurs while a passenger is riding on a train or ship, resulting in accidental death or disability.
6. Other special protections
Mainstream accident insurance now has a wealth of special protections, including sudden death protection, accidental ambulance expenses, third-party liability insurance in public places, etc. Some also have value-added services to give the insured more protection rights and interests.
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2. How to claim for accident insurance?
When an accidental injury or hospitalization occurs, you should call the insurance company’s customer service number in time to find out what documents you need to prepare so that the insurance company can quickly settle the claim. You must report the incident to the insurance company within 3 days.
The documents required to prepare for the insured to file a claim for accidental injury are:
(1) Medical diagnosis certificate;
(2) Accident injury certificate issued by relevant departments;
(3) Original receipts and prescriptions for medical expenses;
(4) A copy of the applicant’s ID card or household registration certificate.
If all the documents are complete, the insurance company will issue a case closing notice within 7 days. After receiving the notice, the insured or beneficiary can collect the compensation from the insurance company.
3. Summary
Okay, that’s all about the coverage of accident insurance and how to make claims. Although accident insurance is a relatively simple type of insurance, you must carefully read the insurance terms when purchasing it to avoid disputes when making claims.
