▲Interns are young people who have just entered the workplace. Due to their lack of experience and unfamiliar working environment, they are more likely to suffer accidental injuries.
▲Out-of-town and short-term workers need to travel around, and in case of accidental injuries, the accidental insurance is insufficient.
For example, a recent claim case: Xiao Wang, an office worker of a certain company, has just joined the company and is still in the internship period. The company has configured the following for interns including Xiao Wang: China Life Comprehensive Accident Insurance Short-term Plan 2, with a coverage period of 90 days and a premium of 29 yuan.
During the coverage period, Xiao Wang rode an electric bike to go out for business and accidentally fell down. He was hospitalized in the first hospital of a certain city and diagnosed with a fracture. After the accident, he immediately called the customer service hotline of Xinyizhan: 400-667-5599 to submit a claim application. After the treatment, he submitted the claim materials, and after the insurance company's claim review, he finally received 5,000 yuan in accidental medical claims.
Therefore, it is very necessary to purchase a comprehensive accident insurance, which can provide timely protection and help in an emergency. However, how to purchase suitable accident insurance for out-of-towners, interns, short-term workers, etc.? What are the things you need to pay attention to? This article will give you a detailed introduction.
What should employees, interns, short-term workers, etc. pay attention to when purchasing accident insurance?
Before that, let's first understand what accident insurance specifically covers?
(1) Accidental death: If the insured dies accidentally during the insurance period, the insurance company will pay a certain amount of insurance money to the beneficiary.
(2) Accidental disability: If the insured suffers an accident during the insurance period and becomes physically disabled, the insurance company will pay a certain amount of insurance money according to the degree of disability.
(3) Medical expenses: If the insured needs hospitalization or surgery due to an accident during the insurance period, the insurance company will bear certain medical expenses.
Note here: Different insurance companies may provide different coverage and insurance amounts. Please read the insurance terms and policies carefully before purchasing.
Therefore, when purchasing accident insurance, first pay attention to whether the accidental coverage items are comprehensive and whether the coverage amount meets the amount requirements.
Secondly, during the accident insurance application process, you usually need to fill in your occupation. If there is a specific internship position, fill in the occupation corresponding to the specific internship position. If not, you can choose "general student" as your occupation. Here you need to pay attention! If the occupation insured by the accident insurance does not match the actual occupation, the insurance company is likely to refuse to pay compensation in the event of an accident.
Therefore, it is recommended that you fill in your occupation information truthfully when purchasing accident insurance. If you are not sure, you should consult our online customer service in time before purchasing to avoid unnecessary troubles in the event of an accident. If your occupation changes, you need to notify the insurance company in time to make changes to ensure the accuracy of the policy information.
In summary, what should employees, interns, and short-term workers pay attention to when purchasing accident insurance?
(1) The coverage should include: accidental injury (accidental disability, accidental death) protection, accidental medical protection, and accidental hospitalization subsidy protection
(2) Whether the occupation is covered: You can click on the occupation table to check whether the occupation is covered, or consult the online customer service.
(3) Read carefully: insurance instructions, exemption clauses, policy terms, etc.
Is China Life Comprehensive Accident Insurance Short-term Plan worth buying?
China Life Comprehensive Accident Insurance Short-term Plan is an insurance that provides accident protection in a short period of time. Due to the short protection period, short-term personal accident insurance has two prominent advantages: 1. The first advantage is that its protection period is more flexible. It can be insured one day in advance whenever there is a need, and it specifically covers a certain period of time to provide exclusive accident protection! 2. The second advantage supports self-insurance and corporate insurance for employees, and supports group insurance for multiple people! For multiple people, you can select the insurance method of uploading the list on the computer port, and you can complete insurance for up to 200 people at a time. More convenient operation! Provide electronic insurance policies and support company-headed electronic invoices.