What are the main factors of personal accident insurance?

Main factors of accident insurance: 1. Exogenous means that the cause of injury is caused by factors other than the insured himself. For example, physical damage caused by mechanical collision, smashing and pressing, bite, scald, burn, frostbite, electric shock and light radiation, and chemical damage caused by acid, alkali and gas poisoning. These external factors need to leave traces of damage on the outside or inside of the human body. 2. Suddenness The so-called suddenness refers to the harm caused to the human body by violent and sudden attacks. There is a direct and immediate relationship between the cause and the result of injury. For example, the collision in traffic accidents and the crushing of falling objects are all sudden and instantaneous. Physical injuries caused by long-term work under certain environmental conditions are not accidental injuries, such as occupational diseases caused by long-term work in harsh environments, which are different from sudden and accidental physical injuries. The former is not covered by industrial injury insurance. 3. Unintentional The so-called unintentional refers to the damage caused by the unforeseeable and involuntary force majeure accident of the parties. The result of the injury is an accident, and the injury caused by non-accidental reasons cannot be regarded as accidental injury, such as physical injury caused by driving at a speed exceeding the speed limit standard on the expressway. This completely predictable and preventable injury is not accidental. 4. Non-disease The so-called non-disease means that the damage is not caused by the insured's own physical factors or diseases. For example, pathological fractures caused by osteoporosis or explosive hepatitis caused by hepatitis virus are all injuries caused by diseases. None of the above four elements can constitute accidental injury, and the requirements must be met at the same time when determining the accident of injury insurance.