招商银行人身意外伤害保险条款不支付

我们都知道,并非我们已经投保意外保险,可以支付什么样的“意外”,在某些情况下,保险公司不会为此付费。让我们来看看招商银行的人身意外保险未支付的情况。

招商银行人身意外保险不赔付的情况

1.被保险人故意杀害和故意伤害被保险人。

(二)被保险人自杀,故意自责,故意犯罪,故意作战或者受到攻击,并依法采取强制措施。

3.被保险人滥用酒精,吸毒或注射毒品。

4.被保险人酒后驾车,没有有效驾驶执照驾驶或驾驶没有有效驾驶执照的汽车。

5.由被保险人引起的精神疾病引起的事故。

6.怀孕,流产,分娩和药物过敏引起的伤害。

7.被保险人私下使用药物造成的伤害,因为他没有听从医生的建议。

8.参加潜水,跳伞,攀岩,驾驶滑翔机,滑翔伞,冒险,摔跤,武术比赛,技能表演,赛马或赛车伤害。

9.战争,军事冲突,骚乱或武装叛乱。

10.核爆炸,核辐射和核污染。

人身意外保险投保建议

最好的意外医疗保险

The biggest misunderstanding of accident insurance is that the accident insurance and accident medical insurance are confused. It is considered that as long as an accident occurs, the insurance company should assume all the responsibilities including medical treatment. Insurance experts said: the two claims liability is separate, accident insurance is a one-time payment for accidental death, disability, unclear circumstances, and accidental medical insurance is usually used as an additional insurance, medical expenses for accident-caused diseases Pay alone. Therefore, when purchasing accident insurance, you can attach accidental hospitalization medical subsidies, which does not conflict with the above two insurances.

Not cheaper, the better.

Many people think that the lower the price of accident insurance, the better. This view is not desirable. Because accident insurance is only responsible for accidents within the scope of the policy, not for all accidents. Therefore, some accident insurance products have adopted a method of narrowing the scope of protection to reduce the price, but the actual effect has not improved.

Buying accident insurance varies from person to person

Ordinary people generally only need to insure a moderate share of accident insurance; traffic accident insurance is more suitable for people who travel frequently; people who travel frequently can choose special travel accident insurance. China Merchants Bank Insurance reminds that there are also certain groups of people, such as children, who have a greater need for protection against accidental injuries.

Multiple accident insurances do not conflict

At the same time, the accident insurance for several companies is not conflicting. Accidental injury medical insurance is different. The general maximum limit is the limit of this expenditure or the contractual limit.

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