Taiping Qinglongwei No. 2 adult accident insurance, low reimbursement threshold, rich protection, premium close to the people, Taiping large company underwriting, Qinglongwei No. 2 can roll up to a new height? Let's wait and see!
We strictly follow the insurance terms, evaluate in a realistic manner, feel helpful, remember to forward to friends around you.
Text contents:
- Details of Qinglongwei No. 2
- Considerations for insurance
- Write to the end
1. Details of Qinglongwei No. 2
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Qinglongwei No. 2 is divided into: Collector's Edition, Premium Edition, and Supreme Edition, which is suitable for people from 1 to 3 categories, and takes effect at zero hours on the 3rd day after insurance.
Coverage Details:
1) General accidental death/disability: the maximum sum insured is 1 million.
It should be noted that death or disability caused by drowning, driving or riding a motor vehicle or falling from a height of 3 floors or more than 10 meters will be paid at 50% of the sum insured. This does not apply to the death or disability caused by accidental drowning at a swimming site with a regular operating license.
2) Sudden death: the maximum sum insured is 500,000, and sudden death refers to the sudden death caused by underlying diseases in the body within 6 hours from the onset of symptoms to death. It is very suitable for those who often stay up late, have irregular lifestyles and like long-distance running.
50% of the sum insured will be paid for those aged 55 or above (excluding 55 years old).
3) Accidental fracture insurance: the maximum insured amount is 5,000 yuan.
4) Accidental injury medical treatment: the maximum insured amount is 100,000 yuan, the collector's edition has a deductible of 100 yuan,,,, self-paid drugs and self-paid items can also be reimbursed, and the social security reimbursement is paid according to 100% proportion; If it is not reimbursed by social security, it will be paid at a rate of 80%.
5) Accidental hospitalization allowance: up to 150 yuan/day for a single day, up to 90 days for a single time, and up to 180 days in total.
6) Accidental intensive care unit hospitalization allowance: up to 200 yuan/day for a single day, up to 30 days for a single time, and a maximum of 60 days in total.
Accidental intensive care unit hospitalization allowance and accidental hospitalization allowance can be combined.
7) Death/disability in traffic accidents:
- The maximum amount insured by aviation is 10 million;
- The maximum insured amount of the train is 500,000;
- The maximum insured amount of 300,000 yuan for commercial vehicles;
- The maximum insured amount for driving a private car is 300,000 yuan;
- The maximum insurance amount for cycling is 150,000.
8) Ambulance expense compensation: up to 1,000 yuan.
9) Other responsibilities:
- Bank card fraud, deductible of 1,000 yuan, maximum insurance amount of 50,000;
- Accidental death/disability (optional) of high-risk sports, with a maximum coverage of 300,000 yuan, such as: skiing, paragliding, rock climbing, racing, bungee jumping and other risk sports.
To sum up, the advantages of Qinglongwei No. 2 are good reimbursement conditions, rich protection, two kinds of hospitalization allowances can be superimposed compensation, the premium is not expensive, and the insurance products of large manufacturers; The disadvantage is that for drowning, driving or riding a motor vehicle in a bicycle accident or falling from a height of 3 floors or more than 10 meters in the air resulting in death/disability, the compensation is paid at 50% of the sum insured, there are restrictions on the insured area, and the overall advantage far outweighs the disadvantage.
How to choose? ,, Accidental medical insurance reimbursement 0 deductible, unlimited social security coverage, accident medical insurance up to 100,000 yuan, premium at least 155 yuan.
2. Precautions for insurance
1) Authenticity: After successful application, the e-insurance policy will be sent to the insured's email address. You can log in to the official website of Taiping (http://www.cntaiping.com/) = > customer service (top) = > policy inquiry service (left) = > property insurance = > electronic policy download = > enter the policy number, the name of the insured, and the verification code can be downloaded for verification.
2) Claim settlement: Call the customer service number of Taiping Property & Casualty Insurance at 95589, and the customer service will inform you of the subsequent claim processing process.
3) Hospitals: general departments of public hospitals above grade II (including Grade II), including Pinggu District of Beijing, Miyun District of Beijing, Cangzhou City, Qinhuangdao City, Tangshan City, Langfang City, Chengde City, Daqing City, Yucheng City, Zhongmu County Hospital of Traditional Chinese Medicine in Zhengzhou City, Henan Province, other areas of Henan Province except Zhengzhou City, Jinghai District of Tianjin, Siping City, Laizhou City, Binzhou City, Xiajin County of Shandong Province, Inner Mongolia Autonomous Region, Yantai City, Qingdao City, Jilin Provincial People's Hospital.
4) Underwriting occupation: suitable for occupations 1-3, and the occupational category corresponding to the insured's occupational category or work status at the time of insurance exceeds the aforementioned scope, and the insurance company shall not be liable for compensation.
5) Insurance requirements:
The Collector's Edition is: Inner Mongolia Autonomous Region, Tibet Autonomous Region, Xinjiang Uygur Autonomous Region, Qinghai Province, Heilongjiang Province (except Harbin City), Jilin Province, Pinggu District of Beijing, Miyun District of Beijing, Huairou District of Beijing, Binhai District of Tianjin, Jinghai District of Tianjin, Langfang City of Hebei Province, Tangshan City of Hebei Province, Cangzhou City of Hebei Province, Qinhuangdao City of Hebei Province, Chengde City of Hebei Province, Sanhe City of Hebei Province, Qinglong County of Hebei Province, Liaoning Province, Shandong Province and Henan Province.
The Premium Edition is: Inner Mongolia Autonomous Region, Tibet Autonomous Region, Xinjiang Uygur Autonomous Region, Qinghai Province, Heilongjiang Province (except Harbin City), Pinggu District of Beijing, Miyun District of Beijing, Huairou District of Beijing, Binhai District of Tianjin, Jinghai District of Tianjin, Langfang City of Hebei Province, Sanhe City of Hebei Province, Cangzhou City of Hebei Province, Qinhuangdao City of Hebei Province, Tangshan City of Hebei Province, Chengde City of Hebei Province, Qinglong County of Hebei Province, Siping City of Jilin Province, Liaoning Province, Shandong Province and Henan Province.
Extreme Edition: Shanghai, Beijing (except Pinggu District, Miyun District, Huairou District), Shenzhen City, Guangdong Province, Guangzhou City, Guangdong Province, Foshan City, Chongqing City, Suzhou City, Jiangsu Province, Nanjing City, Jiangsu Province, Chengdu City, Sichuan Province, Hangzhou City, Zhejiang Province, Ningbo City, Zhejiang Province, Wuxi City, Hubei Province, Tianjin City (except Binhai District and Jinghai District), Changsha City, Hunan Province, Hefei City, Anhui Province, Fuzhou City, Fujian Province, Quanzhou City, Fujian Province, Nantong City, Jiangsu Province, Dongguan City, Guangdong Province, Xi'an City, Shaanxi Province, Changzhou City, Jiangsu Province, Xuzhou City, Jiangsu Province, Wenzhou City, Zhejiang Province, Kunming City, Yunnan Province, Xiamen City, Fujian Province, Shaoxing City, Zhejiang Province, Yangzhou City, Jiangxi Province, Nanchang City, Jiangxi Province, Shijiazhuang City, Hebei Province, Jiaxing City, Zhejiang Province, Taizhou City, Jiangsu Province, Taizhou City, Zhejiang Province, Yulin City, Shaanxi Province, Jinhua City, Zhejiang Province, Taiyuan City, Shanxi Province, Zhuhai City, Guangdong Province, Nanning City, Guangxi Zhuang Autonomous Region, Guiyang City, Guizhou Province;
6) Health Notice:
Collector's Edition & Premium Edition
1. The insured person has not suffered from any of the following diseases or conditions: malignant tumor (except thyroid cancer), severe heart disease (coronary heart disease, myocardial infarction, moderate or severe heart failure, or cardiac function grade 3 or 4), stroke, cerebral infarction, Parkinson's disease, Alzheimer's disease (Alzheimer's disease or early Alzheimer's disease), cirrhosis, liver failure, uremia, kidney failure, psychiatric diseases (excluding autism, mild depression, or other cured psychiatric diseases), blindness, paralysis, Have been or are taking drugs, illicit or abusing addictive drugs.
2. The cumulative sum insured of accident insurance (excluding transportation accident insurance) that is in force or about to take effect of the insured does not exceed 2 million yuan (excluding the company's products).
Extreme Edition
1. The insured person has not suffered from the following symptoms or diseases:
Malignant tumors, heart diseases (including but not limited to coronary heart disease, atherosclerosis, angina, myocardial infarction, valvular heart disease, myocardial disease, etc.), heart failure (cardiac function grade II and above), severe arrhythmia, stroke, cerebral infarction, brain tumor, cerebral hemangioma, cerebral hemangioma, cerebral hemorrhage, cerebral infarction sequelae, cerebral hemorrhage sequelae, pituitary disease, aortic dissection, motor neuron disease, myasthenia gravis, myelopathy, Parkinson's disease, Alzheimer's disease (Alzheimer's disease or early Alzheimer's disease), Respiratory failure, pulmonary heart disease, severe pulmonary fibrosis, severe chronic obstructive pulmonary disease, pulmonary hypertension, cirrhosis, liver failure, uremia, nephrotic syndrome, renal failure, hemophilia, psychiatric disorders, depression, epilepsy, intellectual or cognitive impairment, blindness, deafness, claudication, paralysis, spinal or thoracic deformity, limb defects or deformities, hard of hearing, optic neuropathy, people with AIDS or living with HIV, have been or are taking drugs, illicit or abusing addictive drugs, chronic alcoholism.
The cumulative sum insured of accident insurance (excluding transportation accident insurance) that is in effect or about to take effect of the insured does not exceed 2 million yuan (excluding the company's products).
,, friendly to friends who have these anomalies.
7) Exclusion of Liability (Featured):
- sudden death due to psychosis, sexually transmitted diseases, hereditary diseases, congenital malformations, deformations or chromosomal abnormalities;
- Participate in any professional or semi-professional sport;
- Drunk driving, driving without a valid driver's license, or driving a motor vehicle without a valid driver's license;
- During AIDS or HIV infection;
- medical expenses paid by the insured person as a result of a bulging or herniated disc;
- Non-therapeutic acts such as health care (including medical examination, health checkup, and recuperation).
Write to the end
The cost performance of Qinglongwei 2 is still quite high. If you are in an area with insurance restrictions in front of the screen, consider Pacific Bee 3; If your health does not meet the recommended health insurance, it is a good option to consider the general protection accident insurance of PICC.