How to pass on the risk of accidents and protect the coat fo
In the past few days, the incident of the handcuffs hurting people has been seen frequently. Although the accident is unpredictable, the risk can be passed through insurance. However, how the insurance company pays and loses is also very particular. Last week, Ms. Wang, who lives in Tongbai Road, was injured because of the explosion of the hand warmer. Everyone was calling for the use of hand warmers with caution. I wondered if I thought about how to pass the accident risk and add a protective coat for myself. According to senior claimants of the insurance branch, such accidents are covered by accident insurance. If Ms. Wang has accidental injury insurance, she can get compensation from the insurance company. "But if the manufacturer or dealer of Hand Warmer has compensated Ms. Wang for compensation, the insurance company will not have to pay compensation again. If the third party only pays part of the medical expenses, the insurance company will pay the remaining proportions. Part." The claimant explained that this is based on the principle of loss compensation in the Insurance Law. As long as the medical expenses are involved, the total amount of compensation received may not exceed the actual cost of the medical expenses required, regardless of whether the injured person has several insurances. “Because insurance does not allow the insured to obtain additional benefits due to losses.” The scope of compensation is limited to medical insurance. I know that accidental injuries can be used to reduce losses and avoid risks. However, many people have raised questions about which ones are accidents. Injury? What can I get paid? In this regard, the insurance claims manager introduced that there are four conditions for judging an accident. One is caused by non-disease, the other is foreign, the third is non-self, and the fourth is sudden. “When these conditions are met, we can determine that the insured is an accidental injury and can be paid.” However, this payment is also limited and only applies to expenses incurred within the scope of medical insurance. "That is to say, outpatient treatment for accidental injuries can be compensated for as long as it is within the scope of medical insurance. Some insurance companies do not pay for their own expenses," the manager said. At the same time, the general insurance company has a deductible amount for accidental injury insurance, some are 100, and some are more, which means that the insurance company will first remove this part when making claims, and the remaining will be paid in proportion. Therefore, the insurance company will not be fully compensated for the medical expenses incurred due to accidental injury. Deductible for TIPS General Accident Insurance 1. Deliberate act of the insured or the beneficiary on the insured. 2. The insured's crime or refusal to arrest. 3. The insured fights, drunks, commits suicide, deliberately injures and takes, ingests, and injects drugs. 4. The insured is affected by alcohol, drugs, and controlled drugs. 5. The insured drunk driving, driving without a license and driving a motor vehicle without a valid driving license. 6. The insured is aborted and delivered, but this is not the case due to accidental injury. 7. The insured has an accident due to cosmetic surgery, drug allergy or other medical treatment. 8. The insured did not follow the doctor's advice, taking, applying and injecting drugs. 9. The insured is engaged in diving, water skiing, rafting, skiing, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunt performances, horse racing, racing and other high-risk sports. 10. Any aircraft that enters, is in, is driving, serviced, or landed on any aircraft or air transport, but does not include aircraft that are operated by commercial airlines on the prescribed passenger route. 11. War, military operations, riots or armed rebellions. 12. Nuclear explosion, nuclear radiation or nuclear pollution. 13. The insured is caused by a mental illness. 14. The insured assembles false eye, denture, prosthesis or purchase of disabled equipment. 15. Self-funded items as prescribed by public and labor insurance medical management departments.