Is the travel worry-free accidental injury insurance given by Sunshine Life SMS effective? How long is the validity period?

Insurance has become indispensable in our life. Choosing the insurance that suits you correctly will bring a good guarantee to your life. Questions about insurance followed. How about Sunshine Life Travel Worry-Free? Excuse me, I received a phone call without paying the fee, saying that I was given Sunshine Life Travel Worry-Free Accident Insurance and sent me the policy number. Is it true? How long is the insurance period and what are the insurance responsibilities? This is a method adopted by some insurance companies to develop new customers-giving away accident protection for free. It should be true. You can check online when you receive the contract information. The compensation scope of Sunshine Life Travel Worry-Free Accident Insurance includes: accidental injury of airplane passengers, with the insured amount of 5, yuan; Passenger traffic accident injury of rail vehicles (including trains, subways, light rails, trams and maglev trains), with the insured amount of 1, yuan; Accidental injury of ship passengers, the insured amount is 1 thousand yuan; Accidental injury of passenger in passenger car, the insured amount is 1 thousand yuan. The insurance period of this gift is three months, and the guarantee will take effect at : the next day after receiving the SMS. The amount of free insurance given by Sunshine Life Insurance is 5, yuan, and the responsibility for protection is accidental disability and death of public transport. Other insurance companies also mainly give away personal accident insurance, traffic accident insurance and aviation accident insurance for free, most of which are low-cost short-term insurance, with prices ranging from several yuan to several tens of yuan. Through the free low-cost marketing model, insurance companies can expand the brand effect and more importantly understand the customer information, and take the opportunity to introduce other insurance to customers on a secondary basis. Insiders reminded that if you don't mind insurance companies selling other types of insurance in the future, citizens can accept free insurance offered by regular insurance companies. However, it should be noted that since it is a free gift, there is no need to pay any fees, so citizens should not easily disclose information such as bank card numbers and ID numbers. In order to get the compensation from accident insurance, the accident must be the direct cause or proximate cause of death, disability or medical expenses: Precautions for accident insurance: accident is the direct source of distress: that is, accident directly causes the death of the insured, disability or additional expenses for medical treatment, such as the accidental fall of the insured on a snowy day, which leads to a fracture and has to be hospitalized, which increases hospitalization expenses, surgical expenses and other expenses; Another example is the accidental death of the insured due to the sudden crash of the plane the insured took. When accidental injury directly leads to death, disability, injury treatment and other results, the insurer shall pay death insurance, disability insurance or medical insurance according to regulations. Accidental injury is the proximate cause: although accidental injury is the direct cause of death, disability, medical treatment, etc., this result is the initial cause of a series of related incidents. The principle of proximate cause is a basic principle used in insurance to judge the causal relationship between dangerous accidents and the injury of the subject matter insured, so as to determine the liability for insurance compensation or payment. Generally speaking, the principle of proximate cause is not applicable to life insurance, but personal accident insurance is the only exception. The so-called proximate cause refers to the direct, most effective and decisive factor that causes the loss of the subject matter insured. For example, the insured died of rabies after being bitten by rabies. Being bitten by rabies here was an accidental injury, but it did not directly lead to the death of the insured. The direct cause of the death of the insured was disease (rabies is a disease); Because the accidental injury of being bitten by a rabid dog is the initial cause of the insured's rabies, and there is no other independent factor involved, the accidental injury is the proximate cause of the insured's death, and the accident insurance insurer should bear the obligation of death payment. Accidental injury is induced: accidental injury induces the onset and deterioration of the insured's original disease, resulting in the death, disability or medical treatment of the insured. For example, the insured was originally suffering from a blood disease, and he was bleeding to death after minor trauma. Another example is that an insured suffers from heart disease and dies of myocardial infarction caused by bumps in the car. Trauma and bumps in the above cases can be considered as accidental injuries, but the consequences of these accidental injuries to healthy people are minimal. What really causes the death of the insured is the original disease, and accidental injuries are only the inducement. In this case, the accident insurance insurer generally pays the insurance money not according to the insured amount and the final consequences of the insured, but according to the possible consequences of such accidental injuries suffered by healthy people.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.