Article 657 product review
Natural and man-made disasters, traffic crashes, accidents in life are everywhere, and no one can predict what will happen in the next second.
An accident insurance of one or two hundred yuan can give us a sufficient sense of security and more courage to face every day.
Recently, an accident insurance that is very suitable for couples to buy together has been launched: small two mouth No. 1 couple accident insurance (hereinafter referred to as small two mouth No. 1), which not only has good protection, but also the price is relatively cheap.
What about this product? Next, deep blue insurance laboratory and everyone to analyze it.
Small two mouth No. 1, how about protection?
There are 3 versions of the small two mouth No. 1, the insured amount is 300,000, 500,000, 1 million, let's take a look at the specific protection:
(T refers to the date of application, T+3 is the third day after the date of application)
From the perspective of security, we summarized several characteristics of the small two mouth No. 1:
Good reimbursement conditions: medical expenses caused by accidents, the premium version and the supreme version can have 0 deductibles, and reimbursement is not limited to the scope of social security, such as imported drugs can also be reported. Among them, the Supreme Edition also has a hospitalization allowance of 150 yuan / day.
Additional compensation for simultaneous death/disability: Due to the same public transportation accident, the couple can lose an additional amount of money at the same time or total disability, for example, the Supreme Edition can pay an additional 500,000 yuan for both parties.
Comprehensive protection: Compared with general accident insurance, it can also cover sudden death, traffic accident additional compensation, take planes, trains, buses, etc., and can lose an extra amount of money in the event of an accident. If you are travelling in a private car on a statutory holiday, the additional sum insured will be doubled.
For example, if the wife has an accident in a private car on National Day, if it is the supreme version, it can lose an additional 600,000 yuan. It should be noted that statutory holidays refer to New Year's Day, National Day, etc., and weekends are not statutory holidays.
In addition, the small two No. 1 must be bought together by husband and wife, and both parties must meet its health requirements at the same time, as follows:
Although the small two mouth No. 1 has a health notice, the inquiry is more relaxed. If you are unfortunate enough to have the above diseases, you can consider accident insurance without health information, such as: Bulldon Shield 2021.
Regarding the hospital, the hospitals in some cities are not compensated, such as: the First Hospital of Baoding City, Hebei Province, Shandong Qilu Hospital, etc., and you need to pay attention to the insurance instructions for the product before purchasing.
In general, the coverage of small two-mouth No. 1 is relatively comprehensive, and its sum insured is independent of each other, which we will describe in detail in paragraph 3.
Here to remind everyone: regarding the requirements of the no. 1 reporting time and arbitration place of the small two families, we have consulted customer service, and we need to report the case within 48 hours after the accident; if there is a dispute, we need to go to the location of the insurance company for arbitration. However, other accident insurance generally has similar requirements, and the overall impact is not large, if you mind, you can also consider other products.
So is it worth considering compared to the hot products on the market? Let's compare.
Small two mouth No. 1, is it worth choosing?
We recommend that adults buy accident insurance with at least 500,000 insurance coverage so that they can effectively protect against accident risks.
Here are a few of the most popular accident insurance on the market, respectively, and the 500,000 and 1 million versions of the small two mouth No. 1 to compare and see:
(Orange Guard Accident Insurance is currently limited to Class 1 occupation, subject to the insurance page.) ）
To put the conclusion directly:
If you want to buy alone: 500,000 sum insured can be considered Orange Guard and Xiaomi Comprehensive Accident 2020, both of which are not limited to social security reimbursement. Among them, the reimbursement conditions for Xiaomi comprehensive accidents are better, regardless of whether social security is used or not, it can be reimbursed 100%. The sum insured of 1 million is considered for Large Armor No. 2, which is covered by additional compensation for traffic accidents.
If the husband and wife buy together: the protection of the small two no. 1 is very comprehensive, and the reimbursement is not limited to social security, and if there is an accident due to the same public transportation, you can also lose an additional amount of money. Whether you buy 500,000 or 1 million sum insured, the price is 10% cheaper than buying two separate copies.
In addition, Big Armor No. 2 (Supreme Edition) has insurance area restrictions, which must be first- and second-tier cities, such as: Beijing, Shenzhen, etc. If you can't buy this, consider Xiaomi Comprehensive Accident 2020.
Answer questions
Many products on the market are purchased separately, and there are not many people who support couples to apply for insurance, and many friends will have some questions about this type of insurance. Here we take the example of small two mouth No. 1:
Q: After buying 1 million small two-mouth No. 1, is it 1 million guarantee for both parties?
yes.
For example, if you buy a small two-mouth No. 1 (Supreme Edition), its accident medical insurance amount is 50,000, which refers to the sum insured of 50,000 yuan for each husband and wife, and one party has a claim, which will not affect the other party's protection.
In addition, other benefits such as accidental death, disability and so on are also independent sum insured.
For example, a couple bought 1 million small two-mouth No. 1. After the husband died unexpectedly, after receiving 1 million yuan in compensation, the wife still has 1 million accident protection.
Write at the end
In general, if the husband and wife have not yet bought accident insurance, then the small two no. 1 is a very good choice, not only cheap, but also full of protection.
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