Pick and choose to buy accident insurance

“I heard that domestic aviation accident insurance is suspected of being priced too high these days. Is it true? For people like me who often travel by plane, what can I do?”

Mr. Zhang is engaged in sales management in a company headquartered in Shanghai. He often needs to travel all over the country for business trips, on average 1-2 times a month. Due to the high awareness of insurance, every time I take a plane, I will buy an aviation accident insurance with an insured amount of 400,000 yuan. Although I have developed the habit of buying insurance before getting on the plane, it is always a hassle. When you're short on time, you really have to worry.

Actually, for people like Mr. Zhang, they can choose to purchase the annual aviation accident insurance at one time, which not only saves money but also saves trouble. By extension, even if it is the same personal accident insurance, it is necessary to distinguish different small varieties and purchase them in a targeted manner.

Air accident insurance: It is more cost-effective to buy one-year insurance

The above-mentioned Mr. Zhang buys air accident insurance for 20 yuan, and he will spend about 400 yuan in this area in one year. If you choose comprehensive aviation accident insurance or transportation accident insurance that you buy once a year, it only costs less than 100 yuan. At present, Ping An, PICC P&C, China Life and other companies all have similar comprehensive traffic accident insurance. For such a frequent business traveler, if it is clear that they have taken more than four or five flights in a year, they can choose aviation accident insurance or comprehensive annual insurance for transportation.

Not only are the insurance premiums cheap, in addition to the 365-day aviation safety guarantee for the whole year, these products often add accident insurance for trains, ships, cars and other operational vehicles. Spend 100 yuan, not only can you buy out the annual "sea, land and air" accident insurance, some companies also provide free emergency rescue services. For citizens who often go out, it is still very cost-effective to buy such protection in a package.

In addition, Ping An's comprehensive traffic accident insurance can also choose the coverage period according to the frequency of flights or business trips, and the selection range is 1~12 months.

Travel Insurance: Targeted purchases are more appropriate

In addition to riding Accidents are prone to occur in all types of transportation, and there is a "big accident" than during travel. Whether it is business negotiation or Golden Week travel, most people have realized that they need to bring an insurance protection.

At present, there are actually quite a lot of types of travel insurance. Different groups of people and people with different needs can actually make targeted purchases according to their "needs".

Those who like self-driving travel can choose travel insurance specially designed for drivers. Pacific Insurance, PICC Property and Casualty have similar products. You can also choose accident insurance with multiple payment clauses for self-driving cars, such as Minsheng Life Insurance’s “Sunshine Journey”. When a customer is involved in a traffic accident while driving a private car as a driver, the insurance company will pay double the insured amount.

If you go out with your family and worry about theft or accident at home when you go out, or if you bring valuable notebooks and other office items on a business trip, you can choose travel accident insurance provided by property insurance companies, because they will also provide travel insurance. Accidental coverage for family property and accompanying items.

If you are worried about unexpected illnesses while traveling, you can choose products with accidental medical coverage. If you are traveling abroad, of course, you must choose products with many overseas emergency rescue partners and good services.

If the travel process will involve high-risk activities such as rock climbing and diving, it is best to choose the travel insurance series of AIA Property Insurance, because so far, only this company's travel insurance regulations have not covered these high risks. Activities are listed as exclusions.

General accident insurance: multiple payment terms are good

In addition , If you are an ordinary citizen who goes to work "9 to 5" with peace of mind every day, you only go out once a year, and the probability of accidents is relatively small, you only need to insure an ordinary, moderate amount of personal accident insurance every year. Of course, you can also choose to attach several accidental injury insurances directly behind the existing life insurance main insurance, so that the rate will be lower.

If you often take public transport to and from get off work, you can also add an insurance policy with multiple payment terms for public transport. Of course, you must also pay attention to whether the light rail and subway are covered. At present, companies such as Life Insurance, AIA, and Pacific Ocean have such personal accident insurance types with "multiple payment by means of transportation".

And if you don't usually go out, but you just want to hike during the Golden Week, you might as well choose AIA's "Worry-Free Day" and other accident insurance that will pay multiple times during holidays. This insurance usually provides basic coverage, but during holidays, the coverage will be increased several times, which can fully meet the needs of ordinary people for “different coverage coverage”.

Don’t panic when you go out on a daily basis

Said so much There are different types of accident insurance. But in the end, it is recommended to prepare ordinary personal accident insurance in daily situations.

From the attached picture, we can see that of the various types of accident insurance introduced above, ordinary, one-year personal accident insurance has the widest coverage, no matter when and where, as long as there is a personal accident, you can get Protection; followed by travel accident insurance, which can protect all kinds of accidents in the process of going out; a smaller scope is comprehensive transportation accident insurance, which can protect accidents that occur on various public transportation; the smallest scope is aviation accident insurance , this steering insurance can only cover accidental injuries that occur on the flight.

So, if you already have a basic personal accident insurance such as ordinary personal accident insurance on weekdays, you can do it with ease before going out every time, and you don't have to panic and buy insurance temporarily. After all, since the vast majority of accident insurances are consumption-type insurances, it is necessary to comprehensively measure the probability of accidents in all aspects when applying for insurance, so as to choose the protection plan that is most suitable for your own situation, so as to be able to use it without any shortage of time and be able to Try to avoid spending too much on insurance premiums. Of course, if you feel that your worth is high and your daily accident insurance limit is not enough, you might as well add short-term travel insurance or transportation insurance before you go out.