Is it necessary to buy accident insurance? What are the benefits of buying accident insurance?

Accident insurance can be regarded as a product with relatively few surprises. It mainly protects accidents, and contains less health information than ordinary insurance. It is suitable for people of all ages.

But what is the role of accident insurance or are there any pitfalls? Let's discuss it today.

Here, the senior sister has summarized hundreds of domestic popular accident insurance products for everyone. Interested friends can take a look:

"The most worth buying accidents in 2023" All insurances are here"

1. What are the common pitfalls of accident insurance?

1. Try to choose short-term accident insurance

Many people now see that medical insurance has long-term coverage, and critical illness insurance covers life. They want to buy a long-term accident insurance, but in fact there is no such thing. Necessary.

Accident insurance is different from the insurances mentioned above. There is no waiting period, and as explained before: Accident insurance is not insured based on the age and physical health of the insured, and prices are available for almost all age groups. They are all the same, so there is no need to worry about renewal.

Therefore, for accident insurance, you only need to buy a product that is pretty good at the moment.

2. Is there a deductible for accidental medical treatment?

I would like to remind everyone that accidental medical insurance with a higher deductible is actually less worth insuring. Let me give you an example. , there is a certain accident insurance product, its accident medical deductible is 100 yuan, which is acceptable to most people.

If your deductible is 10,000, what if the insured has a minor accident and stays in the hospital for just a week, spending 3,000 to 4,000? Therefore, when we buy accident insurance, we must pay attention to the deductible.

3. The insurance amount should be sufficient

We buy accident insurance because we want to have protection in the event of an accident. For us, if the insurance amount is too low, it will not be of much benefit. Helped, so the accident insurance coverage is best to choose 500,000.

However, don’t be too high, because if the insurance amount is too high, the premium will definitely increase. Generally speaking, our premium budget is 10% of our annual income. If it is too high, it will directly affect our normal life. .

If there are friends who are still not sure how much insurance coverage they should buy, you might as well read the analysis of this article:

"How much insurance coverage is appropriate?" Let’s talk about the secrets inside”

4. Pay attention to the disclaimer

Everyone should understand that many accident insurances will not compensate for all accidental injuries. For example, a certain accident insurance product Partial disclaimer content:

The insurance company will not pay compensation if the insured dies unexpectedly due to these circumstances.

Most accident insurance products actually have only a few disclaimer clauses, but each product is different, so everyone must read the disclaimer content carefully when purchasing, so as to avoid claims disputes. risk.

Having said so much, what accident insurance products are worthy of our configuration? Senior sister knows that there is a very good accident insurance policy: Aiwuyou.

2. How to choose a good accident insurance?

The Aiwuyou you want to learn about today is an adult accident insurance that allows people aged 18-65 to purchase it. It provides two protection plans, and the coverage content of the two plans is different. , please see the picture below for details:

The following is combined with the content of the terms to explain what the advantages of Aiwuyou accident insurance are and whether it is worth considering.

1. Built-in acute illness and death protection

Nowadays, young and middle-aged people are under great pressure at work. It is no longer unusual for them to work overtime and stay up all night like 996. They often bear these Stress can easily lead to the occurrence of some acute diseases.

Sudden death should be something that everyone has heard a lot about nowadays, but sudden death is not an accident at all. Sudden death is usually caused by diseases, and other acute diseases are also very likely to cause sudden death.

After comparison, Aiwuyou’s acute illness and death protection is actually quite good.

2. Accidental medical protection

Plan 2 covered by Aiwuyou accident insurance has accidental medical coverage of 10,000 yuan. If some relatively minor accidents occur, like Fractures, burns, hospitalizations, etc. can all be reimbursed through accidental medical treatment, which can save a lot of money.

3. The premium is cheap

No need to elaborate on this point. The Aiwuyou accident insurance plan has an acute illness death liability of 500,000 yuan + an accidental death liability of 500,000 yuan, which only costs 500,000 yuan per year. Pay 150 yuan, and the daily fee is less than 50 cents.

If you only spend 48 yuan a year, you can also enjoy an additional 10,000 yuan of accidental medical liability protection from the insurance company. Under the same protection, other products on the market cost at least 200 to 300 yuan. I have to say, Aiwuyou is very cheap!

In summary, the Aiwuyou product is very cost-effective, with low premiums and high insurance coverage. It can be said that it can meet the needs of many people and is worth considering.

If you want to learn more about this product, you can refer to the evaluation article written by the senior sister:

"Fosun "Love Careless" accident insurance has good protection, but you need to pay special attention to it. at this point! 》

Write it at the end

I am a top student talking about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.

Public account: Top academics say insurance costs less, buy the right insurance!