In the process of configuring insurance, accident insurance has always been a very popular product.
For its protection responsibility, I think many friends are more clear.
Accidental Death Benefit and Accidental Medical Reimbursement are used more often, but what is Accidental Disability Benefit?
What exactly is it for? Let's find out.
What is Accidental Dismemberment Benefit?
The so-called accidental disability insurance means that after we are disabled due to an accident, the insurance company will pay a certain amount of insurance according to the agreement.
It is important to note that there is a difference between disability and total disability.
Some accident insurance products only protect the disabled, which is equivalent to setting a claim threshold to a certain extent, which makes it more difficult for us to apply for a claim.
Accidental disability is generally divided into 10 levels, and insurance companies will pay different proportions according to different levels.
Level 1 disability is the most severe, paying 100% of the basic sum insured, and so on, with grade 10 disability being the least severe, paying 10% of the basic sum insured.
Of course, it is important to note that the cause of the disability may also affect whether or not we are eligible for a claim.
(A mini program has been added here, please go to the Toutiao client to view)
After all, the accident must be foreign, sudden, unintentional, and non-diseased.
If the disability is caused by our own reasons, such as illness, or the disability caused by the matters specified in the exclusion clause, we will definitely not be compensated.
What can be included in an accidental disability benefit?
First of all, there is the reimbursement of medical expenses.
Although accidental medical treatment can reimburse part of the medical expenses for disability treatment, the insurance amount of accidental medical treatment alone is definitely not enough, after all, the insurance amount is only tens of thousands.
The cost of disability treatment is certainly not a small amount, and at this time, this part of the insurance money can play a role.
Even for the lowest level 10 disability, the amount of compensation is at least 100,000, which can even be used to fund subsequent physical function recovery, plastic surgery, etc.
Secondly, there is the lost time pay, which is the income compensation.
After all, disability will definitely require hospitalization, which will inevitably result in a loss of income.
If we have a regular income, the lost time pay is calculated based on the actual loss of income.
If there is no regular income, it is calculated based on the average income of the last three years.
Of course, in most cases, a direct payment of an insurance payment, ranging from 100,000 to million, can largely support our subsequent life.
Finally, there is the cost of care.
After all, we are disabled and we definitely need someone to take care of us.
In addition to family care, it may be necessary to hire someone to take care of you.
(A mini program has been added here, please go to the Toutiao client to view)
This part of the cost, the amount of compensation can be used to pay.
Of course, what we need to pay attention to is how much the insurance amount for accidental disability should be bought.
Since accident insurance products are generally graded, the sum insured can also be selected.
Of course, when we buy accident insurance, the insurance amount must be at least one or two million, so the lowest level of accidental disability can also have a compensation of at least 100,000 yuan.
However, for minors, there is a limit to the amount of insurance. Under the age of 10, the sum insured cannot exceed 200,000.
Under the age of 18, the sum insured cannot exceed 500,000.
We should also pay attention to these restrictions when buying accident insurance products for our children.
In general, the accidental disability protection of accident insurance is still very important.
When we choose a product, we must choose to protect the disability rather than the disabled, so as to lower the compensation threshold and better obtain claims.