How much does accident insurance cost? Can you buy it?

When buying insurance, people usually hear that planning for accident insurance is a priority. This type of insurance product is low in price and will not affect the basic quality of life. Then, plan health insurance and life insurance according to their budget. Some insurance novels have this problem. Doubt, how much does accident insurance cost? Can you buy it for tens of dollars? A detailed introduction to the above issues is given below.

The cost of accident insurance

 Children planning accident insurance recommends comprehensive accident insurance for children of prodigies. The insurance products are divided into 3 versions, of which the basic version has a yearly premium of 60 yuan, the classic version has a yearly premium of 90 yuan, and the premium version has a yearly premium of 150 yuan. Insurance products Comprehensive coverage is as follows:

 First, it covers accidental death/disability insurance, with a maximum compensation of 500,000 yuan; it also has accident medical insurance, including accidental hospitalization, outpatient and emergency treatment, and self-paid medical treatment, 0 deductible, and 100% compensation for reasonable medical expenses; reasonable medical expenses are included in the scope of social insurance Medical treatment and self-paid drug costs, excluding self-paid medical treatment fees, equipment fees, etc.;

 Public transport accidents include aircraft accidental death/disability, train accidental death/disability, ship accidental death/disability, and automobile accidental death/disability.

 Adults are recommended to take out Huize Little Bee No. 2 Accident Insurance, which is divided into 4 versions. The one-year premium for the basic version is 35 yuan, the one-year premium for the youth version is 88 yuan, the one-year premium for the premium version is 168 yuan, and the premium version is 168 yuan. The annual premium is 299 yuan, and the insurance product liability is as follows:

 First of all, the insurance product covers accidental death/disability protection, with a maximum insured amount of 1 million yuan. In addition, the insurance product also has aviation accident death/disability protection, with a maximum insured amount of 2 million yuan, and the insurance liability can be Accumulated benefits with accidental death/disability.

 Secondly, the insurance product also has liability for sudden death, accidental death and disability insurance for vaccination, and accidental medical insurance for vaccination. The maximum compensation for accidental medical treatment is 50,000 yuan, 0 deductible, and 100% compensation; no public medical or basic medical insurance Settlement, 0 deductible, 80% of the compensation, not limited to social insurance coverage.

 Finally, there are no deductible days for accidental hospitalization allowance, each time is limited to 90 days, and the cumulative number is limited to 180 days.

 Xiaoxinan elderly accident insurance is recommended for middle-aged and elderly people. The insurance products are divided into 3 plans. Among them, the one-year premium for people aged 50-65 is 130 yuan, the one-year premium for people aged 66 -75 is 240 yuan, and the one-year premium for people aged 76-79 is 240 yuan. The annual premium for the insurance is 250 yuan, and the insurance responsibilities are as follows:

 First of all, the accidental death/disability insurance pays up to 200,000 yuan, and the accidental medical treatment is 0 deductible. The compensation is paid according to 90%. It is limited to the scope of social insurance. Each accident is deductible for 5 days, the single compensation is limited to 30 days, and the cumulative limit is limited to 30 days.

2. Can accident insurance be bought for tens of yuan?

 The prices of different insurance products are different, and the same accident insurance version is different, so the prices of insurance products are also different. Generally, accident insurance products on the market can be purchased for tens of yuan for children and adults, and some middle-aged and elderly people are generally priced at 100 yuan. not wait.

 The price of such insurance products is low, and there is no financial burden to insure. Generally, it is only a few cents on average. Ordinary families can also apply for insurance. Therefore, if you do not have accident insurance, it is recommended to plan to prevent unexpected risks.

 The above is an introduction to the cost of accident insurance. Generally, the price ranges from tens of yuan to hundreds of yuan, and you can get hundreds of thousands or millions of accident protection. The cost-effective insurance products are very cost-effective; When middle-aged and elderly people buy accident insurance, they should pay attention to the responsibility of medical insurance, so that the economic burden brought by accident risks can be effectively transferred.