Xiaomi accident insurance has always been good, the key is to have its own characteristics, the product is also stable, but the annual underwriting company will change.
The revised version of Xiaomi Accident Insurance 2022 is underwritten by Dinghe Property Insurance, and is one with The Little Bee 2 Super Edition, but it has no characteristics.
Is the Xiaomi Accident Insurance 2022 edition worth buying from three aspects?
1. How much should I buy for accident insurance?
2. Xiaomi Accident Insurance 2022 and Xiaomi Accident Insurance 2020
3. Xiaomi Accident Insurance 2022 and Little Bee 2 Beyond Edition
1. How much should I buy for accident insurance?
I have stressed this issue many times in the hope of attracting everyone's attention, rather than trying to buy accident insurance cheaply.
No matter which accident insurance children, adults, and the elderly buy, they must first think about how much insurance to buy, and the starting point of how much insurance to buy is what the real meaning of accident insurance is.
The real meaning of accident insurance lies in accidental disability coverage, which is an insurance liability that cannot be replaced by any other type of insurance.
Among them, the accidental disability insurance premium = the amount of accidental disability insurance × the proportion of compensation corresponding to the disability level.
It is easy to understand: the upper limb is missing above the elbow joint, which belongs to the 5th degree of disability, and it is paid according to 60%, and the insurance amount of 100,000 yuan is paid 60,000, and the insurance amount of 1 million is paid 600,000.
Then let's think about it carefully, this kind of disability is enough to affect normal life, income interruption or even lifelong inability to work, how big a problem can 60,000 claims solve?
What if this happened to the breadwinner of the family?
The whole family is bound to suffer a major impact, and it is even difficult to maintain the original standard of living.
This is the most direct effect of disability!
Therefore, it is recommended that the amount of accident insurance can cover 5-10 times or even 20 times of the annual income to ensure a normal life after the occurrence of disability.
2. Xiaomi Accident Insurance 2022 and Xiaomi Accident Insurance 2020
After determining the sum insured, let's look at what Xiaomi Accident Insurance 2022 has been revised.
Special reminder: Dinghe Property & Casualty Xiaomi Accident Insurance 2022 does not bear accidents caused by work at heights of 2 meters or more.
Obviously, this is not an upgrade, it seems to be a demotion, the main difference I marked in the figure, let's take a closer look.
Health notice: Xiaomi accident insurance 2022 health notice has become more relaxed, as long as there is no disability and no history of major diseases, you can participate in the insurance.
Exempt hospitals: Xiaomi Accident Insurance 2022 accident medical treatment excluding more hospitals, reaching 21 provinces and cities, before applying for insurance, you must see whether you are in the exemption area.
Accident medical treatment: If there is no medical insurance reimbursement first, the reimbursement ratio is only 80%, while the ZhongAn Xiaomi Accident Insurance 2020 version is 100% regardless of whether it is reimbursed by medical insurance first.
Accidental Hospitalization Allowance: Whether it is the amount of daily benefits, the number of deductible days or the payment limit, the revised Xiaomi Accident Insurance 2022 is not as good as before, especially the 500,000 version.
Additional compensation for traffic accidents: Xiaomi Accident Insurance 2022 expands the liability for additional compensation for traffic accidents, but does not include self-driving or riding in non-operating private cars.
Sudden Death: After the revision, there is a 5-day waiting period for sudden death liability, and the time of death is shortened to 24 hours.
On the whole, the Xiaomi Accident Insurance 2022 edition underwritten by Dinghe Property insurance does not have any highlights, but in many aspects it is not as good as before.
Third, Xiaomi Accident Insurance 2022 and Little Bee 2 Beyond Edition
Perhaps everyone is more curious about the products underwritten by Dinghe Property insurance, Xiaomi Accident Insurance 2022 and Xiao Bee 2 Super Edition which is better?
Although the two products are underwritten by the same insurance company, the difference is still quite large, and the red part is the main difference, and everyone must carefully look at the picture.
Special reminder: Whether it is Xiaomi Accident Insurance 2022 or Little Bee 2 Super Edition, it does not bear accidents caused by high-altitude work of 2 meters and more than 2 meters.
Accident Medical: Each version of the Little Bee 2 Super Edition has a higher amount of accidental medical insurance, which will be more friendly for people who have not bought millions of medical insurance.
Accidental Hospitalization Benefit: Xiaomi Accident Insurance 2022 has reduced the payment limit by 30 days at a time and 90 days for the whole year.
Additional compensation for traffic accidents: Each version of the Xiao Bee 2 Super Edition has additional compensation for traffic accidents, which can be doubled on statutory holidays, and includes self-driving or riding non-operating private cars, while Xiaomi Accident Insurance 2022 does not include self-driving or riding non-operating private cars.
Compared with Xiaomi Accident Insurance 2022 and Little Bee 2 Beyond Edition, it seems that Xiaomi Accident Insurance 2022 has failed in various places.
On the whole, xiaomi accident insurance 2022, which is underwritten by Dinghe Property insurance after the revision, has no bright spots, and even belongs to the decline instead of rising.
If you want to choose adult accident insurance, personally recommend:
If you purchase a sum insured of 500,000 yuan, you can give priority to the Little Bee 2 Beyond Edition.
If you purchase 1 million insurance amount, priority will be given to Chinese large armor No. 2, if it is not in the insurable area, you can choose Little Bee 2 Beyond Edition.
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