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Personal Accident Insurance Xiangjie What is personal accident insurance? Personal accident insurance coverage what? Personal accident insurance, yes means the insured person in the insurance period, due to suffer from non-intended, the external suddenly an incident, Zhi Shi physical disability suffered Shanghai Er or death Baoxiangongsi in accordance with the provisions of the insurance Hetong insurance payment Insurance. Personal accident insurance can be divided into personal accident injury insurance and accident insurance group two categories: one, personal accident insurance, refers to the insured in their daily lives, work accident may encounter the subject of insurance, insurance generally short term, a period of one year or one year. Second, group accident insurance, is the social organization in order to prevent members of the organization suffer accidental injury because of disability or death suffered huge losses to policyholders of the social organizations to the social organization of all members of the insured person to be insured for accidental damage to a major personal injury, disability and death insurance for the insured event. Accidental injury must meet the following conditions: 1, external factors, is due to the insured caused the accident outside the body, such as car accidents, attacks by bandits, drowning, food poisoning. 2, sudden, and that caused the accident in an instant, no longer processes, such as drowning, electrocution, falls, etc.. The occupational disease is due to the gradual formation of damage and is predictable and preventable, it is not an accident. 3 accidents in that the insured does not anticipate, and non-intention of the accident, such as the crash of Deng Fei Ji, while some of Shigusuiran can foresee or avoid, as they were unable to resist or Lvhangzhize not Huibi should be included in &quot;Yi Wai &quot;scope, such as the ship was forced to jump into the sea to escape the fire, Samaritan and the gang fighting and wounded so. 4, non-diseases, diseases caused by injury, not the one I could have expected beforehand, but it is the result of the body itself, not an accident. If unconscious stroke onset. 5, physical injury, accidental injury insurance, the object must have been part of the human body belongs, and the fact that the establishment of injury, such as: Although electric shock but did not harm the body, are the fact of injury does not hold. Personal Accident Insurance general liability deductible Disclaimer: 1, whether or not the situation in the sane, committed suicide or self-injury; 2, your insurance benefits or death caused by people deliberately; 3, due to their own criminal conduct or a result of resisting arrest; 4, war, military action, riots, insurrection; 5, the illegal taking, smoking or injecting illicit drugs, addiction inhalation of toxic gases, alcohol abuse or assault; 6, drink driving, driving without a license or driving without valid driving license for motor vehicles; 7, diving, water skiing, parachuting, rock climbing, bungee jumping, horse racing, racing, wrestling, adventure activities and performances on high-risk activities; 8, pregnancy, miscarriage or childbirth; 9, drug allergy, food poisoning, medical malpractice or injuries caused by prescribed by a doctor taking, coating or injecting drugs; 10, because of mental disorder or disorders caused by; 11, atomic energy or nuclear devices cause an explosion, burning, or radiation. Hui-related insurance products recommended by the Optional Network Products purchased to protect the contents of &quot;99 Xiangfu&quot; Comprehensive Accident Insurance Accident 500,000 50,000 yuan of medical accidents Features: hospital allowance 80 yuan / day view details Peace, &quot;Gold-collar life,&quot; Comprehensive Accident Insurance Accident 500,000 50,000 yuan of medical accidents Characteristics: high medical care, medical costs not worry View details &quot;Happy Doodle - noble Life&quot; Accident Insurance Accident 450,000 20,000 yuan of medical accidents Features: hospitalization allowance of 100 yuan / day view details &quot;Peace longevity&quot; Accident Insurance Accident Medical Accident 100,000 20,000 yuan View details ?
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