The courier didn't come to the door, and the old man died suddenly. Is accident insurance compensation? How should the elderly distribute security?

Recently, the news that a 79-year-old man in Chongqing died suddenly on the way to get a courier upstairs attracted attention. The old man who died suddenly is 79 years old and lives in Miandiandi Community in Chongqing. The family surveillance video showed that on the day of the incident, the old man received a phone call from the courier at his home on the sixth floor and informed him to go downstairs to pick up the courier.

This is a single "cash on delivery" health care product courier, weighing 22 kg, but the courier brother just checked the address on the phone and told the uncle that it was next to the trash can downstairs. Grandpa immediately said "go downstairs immediately" and finished the express payment downstairs.

Later, the old man was found by his wife to fall at the corner of the stairwell on the 4 th and 5 th floors, and the courier fell to the ground. 120 Ambulancemen came to the rescue immediately, but unfortunately, the old man died after being rescued. Judging from the information currently available, the courier did not perform his duties and there was a certain fault. Therefore, family members can apply to the courier company for corresponding compensation. In addition to the responsibility of the courier company, if the elderly buy insurance, can they pay? Today we will talk about some noteworthy insurance knowledge caused by this accident.

First, the courier didn't come to pick up the old man's sudden death. Is there compensation for accident insurance?

Generally speaking, accident insurance does not pay for the sudden death of the elderly.

If you need to pay by accident insurance, you need to meet several conditions: personal injury caused by external factors, personal injury caused by strong unexpected factors, and personal injury caused by unforeseen circumstances.

And sudden death is a disease, a state of sudden death caused by natural diseases. Most accident insurance clearly does not protect sudden death, and it is written in the exemption clause because it does not meet the definition of accident. Of course, with more and more products on the market, some accident insurance products can choose additional insurance to protect the responsibility of sudden death. In case of sudden death, additional sudden death insurance can be provided, but accidental death insurance is not provided.

Second, how should the elderly configure security?

Generally speaking, the four major health insurances for adults are critical illness insurance, medical insurance, accident insurance and term life insurance. However, for the elderly, with the increase of age, it is easy to have the premium upside down when insured; At the same time, because of health restrictions, the physical condition of the elderly is getting worse and worse, and it is more and more difficult to pass the health notification, which leads to refusal of insurance and extension of insurance coverage.

In view of the above situation, combined with the actual family budget, there are the following options to choose from: if the budget is limited, consider taking out medical insurance, medical insurance and accident insurance; If the budget is sufficient, consider taking out cancer insurance/critical illness insurance on the above basis; If the family conditions are better and you want to give the elderly more adequate protection, you can take out an old-age insurance on the basis of the above.

Let's look at the insurance mentioned in the above scheme one by one:

1, medical insurance

Medical insurance is the national welfare given by the state and the most basic guarantee, so everyone has to pay medical insurance. In addition to our common medical insurance in five insurances and one gold, medical insurance can also be urban residents' medical insurance and new rural cooperative medical insurance, all of which belong to medical insurance. Medical insurance is cost-effective and inexpensive, and hospitalization can reimburse more than 80% of the expenses. Therefore, if you want to buy commercial insurance for your parents, you must first make sure that they have bought medical insurance.

2. Medical insurance

When buying insurance for parents, we often don't consider outpatient expenses. What really worries us is the treatment of serious illness. With the increase of parents' age, the risk of hospitalization is higher, and medical insurance providing hospitalization reimbursement is also a good choice. However, different medical insurance has different functions. Medical insurance suitable for the elderly is as follows:

① Millions of medical insurance

Millions of medical insurance can provide reimbursement for hospitalization expenses, which is characterized by unlimited social security and unlimited illness accidents. Except deductible, the reimbursement rate of some products can reach 100%. However, the conditions for health notification of this product are relatively strict. If parents have three or more questions, they need to fill in the health notification truthfully.

② Cancer medical insurance

As the name implies, this product is specially designed for reimbursement of medical expenses for inpatients with malignant tumors. The reimbursement terms of this product are similar to medical insurance, with unlimited social security and low deductible, and the reimbursement ratio is 100%. However, the characteristic of anti-cancer medical insurance is that the health information is relatively loose, even if parents are three high, they can be insured.

③ Huimin insurance

Huimin insurance is actually a kind of medical insurance introduced by the local government's joint insurance agency, which can reimburse medical expenses for serious illness. The underwriting conditions of this product are more relaxed than the anti-cancer medical insurance, which not only does not limit the age and occupation, but also does not need to fill in the health notice. In terms of insurance costs, the price is relatively low.

However, Huimin insurance also has its shortcomings. Generally, this product can only be reimbursed for medical expenses within the scope of social security regulations, and there is also a certain deductible, not 100% for reimbursement.

If parents can't buy anti-cancer medical insurance, they may wish to take out a Huimin insurance. Even if the above two medical insurances do not have sufficient protection, they can at least provide additional protection for medical insurance.

3. Accident insurance

In addition to medical insurance, you can also consider accident insurance. As parents get older, their physical reaction is not as good as before. In the event of accidents such as falls and injuries, hospitalization expenses will be incurred. It is easier for parents to take out accident insurance, because most accident insurance is not a health notice, and it only takes a few hundred yuan to cover hundreds of thousands or even millions. When buying accident insurance for parents, priority can be given to products that can reimburse social security drugs for accidental medical treatment.

4. Long-term care insurance

Old people need long-term care because of illness, accident or old age, and long-term care insurance is a good choice. Long-term care insurance can pay for the daily care expenses of hiring people at home or going to nursing homes, and generally does not include medical expenses. Long-term care insurance is suitable for the elderly who cannot take care of themselves due to illness or disability.

Third, write it at the end.

Through this article, I hope everyone can understand that the sudden death of the elderly by express delivery is a serious disease, not an accident.

Most accident insurance will not pay for sudden death, and only by taking the responsibility of sudden death can you get compensation.

Anyway, I hope everyone can take care of themselves, take care of their families, and remember to take their parents to the physical examination regularly. The most difficult choice in the world is nothing more than the choice between family and money. Configure a guarantee for parents to make them more calm and confident.