Do I need my spouse's signature to buy accident insurance?

Accident insurance can be bought for your lover, parents, children and yourself, and you don't need to sign on the spot. For example, some accident insurances insured online do not need to be signed, and can be insured only by insurable interests. Long-term accident insurance is generally insured through the traditional channels of agents. When the wife is the insured to insure her husband, she needs to sign it herself, and it is not allowed to sign it on her behalf, which needs specific analysis.

Precautions for accident insurance:

1, pay attention to which cases are not compensated.

When insuring personal accident insurance, we should pay attention to what situations are not compensated, so as not to cause claims disputes. For example, people often say that sudden death is not compensated. Sudden death is a death caused by disease, which does not meet the definition of accident and is not within the scope of personal accident insurance. In daily life, there are still some situations that insurance companies will not pay for: heatstroke, personal food poisoning, altitude sickness, medical accidents, pregnancy accidents and death due to illness.

2. Occupational restrictions

Personal accident insurance has professional restrictions, generally only 1-4, firefighters, criminal police and other dangerous occupations can not be bought under normal circumstances.

3. Pay attention to whether the disability compensation is paid by grade or only by total disability.

Good accident insurance should include total disability compensation and compensation according to disability level.

legal ground

Article 12 of the Measures for the Administration of Insurance Clauses and Insurance Rates of Life Insurance Companies

Accidental injury insurance refers to life insurance in which death, disability or other accidents agreed in the insurance contract are the conditions for the insured to pay insurance money.