Is there an age limit for buying accident insurance?

Accidental injury insurance is a life insurance with death or disability caused by accidental injury as the condition of paying insurance money. Accident insurance can be applied to infants as young as 90 years old. Accident insurance is generally insured at the age of 60, but the upper limit of "travel insurance" in accident insurance is 90.

Generally speaking, the insurance for the elderly is more expensive and less, while the insurance for children is generally less than that for adults. Some types of insurance cannot be insured for children and elderly people over a certain age.

This is a regulation aimed at safeguarding the legitimate interests of the insurance industry, which is formulated according to people's physiological cycle. Moreover, it is invalid to falsely report the age and buy insurance by mistake, so the insured must pay attention to the age limit when buying insurance to avoid the losses caused by it.

In the Interpretation of the Supreme People's Court on Several Issues Concerning the Specific Application of Laws in the Trial of Juvenile Criminal Cases, the definition of "one year old" is: calculated according to the calendar year, month and day, starting from the second day of one year old birthday.

That is to say, babies born on March 1 2009 will be born on March 2, 2065 1 year according to the algorithm prescribed by law. In insurance, age will not only affect the level of premium, but also affect the type and amount of insurance. Of particular note is the issue of insurance for minors.

The Notice on the Limits of Parents' Insurance for Minor Children issued by China Insurance Regulatory Commission (Bao Jian Fa [1999] No.043) stipulates that the total amount of death insurance for minor children of parents shall not exceed RMB 50,000, and the upper limit of death insurance for Beijing, Shanghai, Guangzhou and Shenzhen shall not exceed RMB 65,400.

Therefore, if the child is under the age of 18, the total insured amount of death cannot exceed 654.38+10,000 yuan, otherwise the excess cannot be settled.

Extended data:

There is a limit to the age of insurance

There are also some types of insurance, and there are clear regulations on the age of insurance. If you have not reached the insurance age range, or have exceeded the insurance age range, you are not eligible for insurance. For example, if you have 18~50 years old health insurance, then people over 50 years old may not be insured.

In addition, some types of insurance have different payment methods and payment time limits for people of different ages. For example, in the market, there is a life and death insurance that critical illness insurance pays in advance. People aged 40 can choose to pay for 20 years, but people aged 4 1 year only have the right to pay in installments of1year, and cannot pay for 20 years. The main consideration here is the risk factors brought by different age groups.

In the same way, people aged 40 and people aged 4 1 are insured for death benefits, and the rates are quite different.

There are two factors that affect the accident insurance rate:

First, the degree of danger of the insured's work;

The second is the nature of the insurance period. If the degree of danger is high, the insurance premium rate will be high, and if the degree of danger is low, the insurance premium rate will be low.

Insurance rates (taking accident insurance of life insurance companies as an example) are generally divided into four categories:

The first level is mainly mental workers in non-production departments, with an annual rate of 0.2%;

The second level is mainly light industrial workers and handicraft workers, with an annual rate of 0.3%;

The third level is mainly heavy industry workers and heavy manual workers, with an annual rate of 7%;

The fourth grade is mainly workers with special occupational hazards, and the annual incidence rate is 10%.

Baidu Encyclopedia-Insurance Age

Baidu encyclopedia-accidental injury insurance