Must I buy accident insurance? How to buy?

1. From the time of purchase and guarantee, accident insurance can be divided into one-year accident insurance and long-term accident insurance. One-year accident insurance is mainly purchased for one year, which is relatively cheap and suitable for most working families. Long-term accident insurance can be divided into return type and non-return type. If you pay attention to return accident insurance, you can also learn about related products.

2. The liability of accident insurance mainly includes accidental death, accidental disability and intentional medical treatment.

Accidental death means that if an accident leads to accidental death, the insurance company will pay the insured amount in one lump sum, and the claim is relatively simple and not too complicated.

Accidental disability is mainly paid in proportion to the level of disability. Accidental disability is a little more complicated than accidental death, and it is paid in proportion to the disability level of the insured. Generally, the level of disability is one to ten, the first level is the heaviest, and the proportion of insurance compensation is also from the heaviest to the lightest, ranging from 100% to 10%.

The coverage of accidental medical treatment is mainly caused by accidents, and it is necessary to go to the hospital to reimburse outpatient emergency or hospitalization related expenses. When choosing accidental medical treatment, try to pay attention to the low deductible and high sales ratio, and it is best to choose social security drugs without restrictions.

When choosing accident insurance, adults can try their best because of their heavy family responsibilities, while the responsibility for the death of the elderly and children is not particularly important, but the responsibility for disability and accidental medical care is very important. We should mainly pay attention to this point. Through the above introduction of accident insurance, we will find that accident insurance seems very simple, but there are many ways for accident insurance. We can choose suitable products according to our own needs, whether it is one-year comprehensive accident insurance or long-term accident insurance, we should choose.