Accident Medical Insurance
Accident Medical Insurance: As the name suggests, is underwriting the insured person suffered accidental injuries arising from treatment costs of insurance. Therefore, insurance companies in the design of such products, standards will have this as a disease, leading to medical expenses to do personal physical exclusion. This is why many people are puzzled heat within the scope of medical insurance is not accidental causes. Also insurance claims in the specified standards, have provided health insurance as a range of medical institutions and drug claims standards. Importation of drugs, and in a number of designated medical institutions for treatment of non-social security are not within the scope of insurance.
For example: If the insured person bitten by a dog, if the injection of imports of breeding, the insurance company to reject claims of. If the injection is in the settlement of claims of domestic breeding range. The following are the general terms of a common accident medical insurance for your reference:
The insured person from the date of the occurrence of accidental injuries, within一百八十日deceased, the Company according to the amount of accident insurance, death payments, insurance, liability insurance shall be immediately terminated. Since the accident the insured person from the date of the occurrence of physical disability within the一百八十日, the Corporation in accordance with "personal insurance, disability insurance premiums paid with the proportion of table" payment of disability insurance. If not the end of treatment, according to the physical situation of disabled第一百八十日identified, and accordingly pay disability insurance.
The insured person for the same accidental injury caused by more than one physical disability, the company paid disability insurance payments correspond to the sum of items. However, different projects with disabilities the same belonging to the same hand or foot, this company only paid them a disability insurance payments; such as disability payments corresponding to the proportion of the project is not the same time, only the payment of which a high proportion of a disability insurance payments
The effective date of the main contract came into force or the corresponding day.
Application and payment of insurance money
First, the insured, the beneficiary, as the applicant apply for the insurance money, they should complete the insurance payment applications, and provide the following evidence and information:
1, insurance documents, customs Love Follows cards, insurance premium receipts and other insurance documents;
2, the relevant departments of the accident proof;
3, the insured person or beneficiary proof of identity and residence certificates;
4, the insured person died, the need for the public security department or the company recognized by death certificates issued by medical institutions;
5, if the insured person dies, a people's court shall provide a declaration issued death certificates;
6, the insured person who suffered accidental injuries caused by disability, by the company's issued by recognized medical institutions, the degree of disability identification document;
7, medical expenses, medical expenses the original document (accompanied by a prescription medication), and checkout a single schedule, the hospital a certificate of diagnosis (specify diagnosis of the disease in Chinese full name, a simple medical history and treatment process);
8, such as a claim agent, power of attorney and the agent should provide proof of identity.