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.