The first thing to look for when selecting a qualified accident insurance policy is whether it includes accidental disability, accidental medical and accidental death coverage. When buying insurance, try to choose a product that has unlimited social security coverage and is fully reimbursed for accidental medical treatment, as long as it is better able to cope with the risk of accidental injury. However, some accident insurance policies are full of "traps", such as restrictions on the area of claims, the need to apply for arbitration in a designated area, and restrictions on the use of medication, etc. If you do not pay attention to these hidden "traps" when purchasing insurance, it will be very difficult or even impossible to obtain a claim.
However, even if these accident insurance "traps" are hidden deep, you just need to pay attention to these regulations, not every article has a great impact, for example, "some areas of medical institutions do not pay", then you can choose to go to the hospital that can be claimed instead of the hospital that can not be claimed, you can still get claims. However, there are still some things that if you do not pay attention to when you take out an insurance policy, you may step into the minefield of being rejected by the insurance company, such as health requirements. Some insurance products may not appear to have a health notice, but they still end up having health requirements, such as the requirement that the insured be "in good health, not suffering from a serious illness, and able to live and work normally". For those who are interested in this point, please refer to this article.
Exclusions: Some products do not cover "accidents at height", so if you are an aerial worker, you should be aware that this does not apply to other non-aerial workers, so if you are not an aerial worker, you can still purchase this insurance. For the above two points, the requirements may vary from product to product, depending on the terms and conditions of the product, the insurance instructions, special agreements, etc. For adults, the article generally recommends that accident insurance coverage should start at 500,000 to cover the risks arising from accidents.
In addition to the questions mentioned above, other questions are often asked, such as: Why can't I find my place of residence when I enrol in certain products? This is because some accident insurance products have restrictions on the area of coverage, and some products even come in different versions with different restrictions on the area. This may be a risk control by the insurance company, for example, an insurance company after big data statistics, the results show that the claims rate in certain areas of the western United States is higher, so this set the threshold for insurance. However, the requirements may be different for different products, so you should read the enrollment instructions and health notice carefully to understand clearly whether you can buy them and avoid disputes when making claims.
