181538125-意外险了解一下吧~

jimmy肖明

In recent years, there is a popular saying: "you never know which comes first, tomorrow or accident". But do you always worry about it or do you have a good strategy to deal with it?

最近几年很流行的一句话：“你永远不知道明天和意外哪个先来”，但究竟是一直将担忧放在心里还是做好了应对意外来临时的对策？

As the plan of life and the generation of random death, many people have a strong sense of "at least one accident insurance" risk. They have the old and the young. They buy an accident insurance for themselves and at least give their parents and family members the most basic protection.

作为生的计划，死的随机的一代，不少人对于自己“至少有一份意外险”的风险意思非常强，上有老下有小，给自己买一份意外险，至少给父母和家人一份最基本的保障。

But there are so many accident insurance products. Different products have different rules. Do you really know how to buy accident insurance?

但是意外险的产品有这么多，不同的产品规则还不同，你真的知道怎么购买意外险吗？

什么是意外险？

If you want to buy the right accident insurance, you can't know the definition of accident insurance.

想要买到合适的意外险，那么就不能不知道意外险的定义。

Accident insurance is accident. What is accident? Accidents defined by insurance companies may be quite different from what you think.

意外险保的就是意外，什么是意外？保险公司定义的意外或许跟你认为的意外有可能大相径庭。



The accident defined by insurance company must meet: external, sudden, non intended, non disease objective events.

保险公司定义的意外一定要满足：外来的、突发的、非本意的、非疾病的客观事件。

From the perspective of type, accident insurance can be divided into two types:

从类型看，意外险分成两种：

One year accident insurance: one year insurance.

一年期意外险：交一年保一年。

Long term accident insurance: the guarantee period is longer, but it is much higher than the price of one-year accident insurance.

长期意外险：保障期限长一些，但是比一年期意外险的价格贵出不少。



     

In the same case, the larger the scope of the accident causes, the more types, the greater the probability, the higher the insurance rate.

在同样保额的情况下，事故原因的范围越大，种类越多，几率越大，保险的费率一般也就越高。



Everyone wants to be safe in and out. At the same time, we also hope that in the event of an accident, different groups of people and families can maintain their own life and financial situation.

所有人都希望可以出入平安。同时，我们也希望在意外发生的时候，不同的人群和家庭可以保持自己的生活和财务状况。

In addition to effectively reducing risks through our own awareness and behavior, we can also transfer unexpected risks through insurance, so that we can have more protection.

除了可以通过自身的意识和行为有效降低风险，我们还可以保险转移意外风险，让自己有更多的保障。

王海雨-意外伤害保险-投保实验报告

               
作者：是你振哥呀