儿童的短期意外伤害保险你知道吗

如今,许多家长会为孩子提供短期意外伤害保险。因为孩子总是有这种意想不到的情况,让我们看看儿童短期意外保险的范围是什么?

儿童短期意外险保障范围

意外死亡保险

被保险人发生意外事故,被保险人直接导致被保险人在意外伤害发生之日起180天内死亡。保险公司根据保险合同的保险金额向受益人支付意外死亡保险金。意外死亡保险,保险合同终止。

意外伤残保险

被保险人发生意外事故,意外伤害直接导致被保险人在意外伤害发生之日起180天内获得保险合同附带的“人寿保险的利润和支付率”(见附件中的一项)表中列出的项目,保险公司通过将表中列出的支付比率乘以保险合同的保险金额,向意外伤残保险的受益人支付意外伤残保险费。如果被保险人未完成治疗自意外事故发生之日起第180天,残疾将根据被保险人自事故发生之日起第180天的实际情况进行评估,意外伤残保险金将相应受益。人们支付意外伤残保险。

意外重疾保险

被保险人在医院接受意外伤害治疗,导致本附加合同范围内的重疾费用(以下简称“重疾费”)。保险公司根据下面规定的保险金额向被保险人支付意外伤害。重疾保险。

儿童短期意外险怎么买

China Merchants Bank Insurance reminds that under normal circumstances, the same insurance amount will be insured. The younger the insured is, the cheaper the premium will be, and the accidental injury will be hard to prevent. Therefore, the sooner the insurance is safe for the child, the more the current children's insurance products are. The child can be insured after 30 days or 90 days of birth.

However, it should be noted that children's insurance cannot be over-insurance, otherwise the excess will not be able to obtain claims. At present, the insurance regulatory agency stipulates that the risk protection for children's accident insurance is up to 100,000 yuan. That is to say, if parents want to get all-round insurance protection for their children, they will not hesitate to spend a lot of money to purchase multiple products of different companies. The portion of 10,000 yuan is considered invalid.

The purchase of short-term accident insurance for children is one thing many parents will do. Although our parents do not want their children to have accidents, but the accidents are beyond control. It is better to prepare an accident insurance in advance.

xx 儿童保险
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