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Data:2009-12-12 2:34
Mr. Wang (Jiading District): I have recently switched to a company to do marketing, business trip, when more and more. A friend suggested that I buy copies of accident insurance, but do not know how to buy a more suitable?
Shang (Taiping Life): commonly referred to as accident insurance sub-accidental injury (disability and death) insurance and accident medical insurance two major categories, including comprehensive insurance, personal accident, student, child safety insurance, aviation and personal accident insurance, nearly 50 a variety of accident insurance. From the perspective for the crowd, young people most in need. 1 to 14 years old children, accidental injury has become the first cause of death. Need to take public transport to and from work every day or frequently travel office workers civil servants is also needed. In addition, that is, people who frequently travel.
From a cost point of view, the biggest feature is the accident insurance premiums low, the amount higher. General insurance premium of about 20 yuan to 200,000 yuan can protect the insured amount, such as the Taiping Life insurance can be messages of "hands-guarantee" insurance, and 10 yuan insurance premium could be 220 thousand yuan. How to buy a suitable accident insurance, or according to their actual circumstances. Take personal accident insurance and comprehensive insurance for personal accident, personal accident insurance only because of accidents caused by the insured for payment of disability, and accidental injury insurance, comprehensive insurance in addition to being paid for disabled people, but also includes the payment of medical expenses. Of course, there's not the same as the scope of protection, the price also makes a difference. In contrast, basic access to health care can buy personal accident insurance, no medical security of the Personal Accident Insurance Policy to buy may be more appropriate.
We usually contact with relatively large number of accident insurance course ought to aviation accident insurance. Aviation accident insurance is just a lot of personal accident insurance, an insurance, if people in peacetime to purchase other personal accident insurance, do not buy Hangyi Xian is also reasonable. Frequently travel by plane or train passengers choose to buy a one-year risk of traffic accidents is more convenient cost-effective.