in

无需住院治疗,都能得到保险赔偿

根据您的需求和所需的覆盖范围,您应该选择合适的意外保险

保险,为生活加一把安全锁!

一个老生常谈的话题,保险。有时候,我们真的无法预料,明天和意外,哪一个先来。除了保障意外事件之外,一些人身意外伤害保险还可以确保您免受COVID-19,骨痛热症和其他事件的侵害。若您有基本保障, 健康保险(住院和手术保险和重病保险)和人寿保险(定期和/或整个生命周期),您还需要什么其他保险? 人生中的意外事故呢?除了健康和人寿保险的理赔范围之外,值得考虑的还有人身意外伤害保险。 通常,人身意外伤害保险包括意外身故赔偿,永久和部分残疾,收入补助,医疗费用承保和每日住院补助。

您应该在五种情况下考虑增添个人意外伤害保险。

1 想要更好地预防意外事故

意外保险为不需要住院的意外伤害提供了更好的保障,如果您发生了不需要住院的意外,您无法从您的健康保险中获得理赔,但是人身意外保险可以免除您的后顾之忧,即使不住院,您同样可以获得来自人身意外保险的理赔金。例如,如果您因摔倒而骨折,需要接受急诊(A&E)护理,同时您无需住院治疗,那么您将无法根据H&S医疗保险提出索赔,因为您没有住院并且A&E护理通常不包括在H&S门诊保险中。但是,您将可以根据个人意外事故保险提出索赔。根据您所投保险的承保范围,这将包括X射线和MRI扫描等医疗费用的报销,或者如果您因骨折而无法工作,则可以获得一些收入补助。如果您需要住院治疗,与此同时您的H&S和人身意外伤害保险均包含住院费用,那么您可以同时提出索赔。

2 您是运动员

如果您从事体育运动或定期参加健身运动,在疲倦或注意力不集中时就会很容易受伤。意外的扭伤或肌肉撕裂可能需要很长时间才能康复,并且可能需要大量的额外治疗和理疗。这是意外伤害保险的亮点,因为一些保险包括理疗和中医(TCM)治疗的报销。当购买涵盖这些治疗的人身意外保险时,除了理赔限额之外,请务必注意理赔是按事故还是按年度进行的。请注意,意外伤害保险仅涵盖由事故引起的伤害,因此不包括重复性压力伤害之类的伤害。

3 想要额外的传染病保障

鉴于我们目前正处于全球大流行疫情之中,您可能希望理赔范围扩大对诸如COVID-19和骨痛热症等传染病的覆盖率。虽然H&S保险可以弥补因传染病住院而产生的医疗费用,但具有覆盖范围包括传染病的意外保险(取决于保险)也可能要支付额外费用用于诊断COVID-19的一次性付款或隔离。传染病的意外伤害保险还可以涵盖疟疾和寨卡病毒等疾病。根据政策的不同,承保范围可能还会扩大到海外治疗,这对长出远门的商务人士很有用。请注意,通常受保者若采取预防措施(例如,强制性接种疫苗或服用推荐的药物),通常会排除在理赔范围外。

4 想要为儿童提供保障

任何父母都将意识到孩子受伤的风险会比较高, 人身意外伤害保险可能是保障儿童免受意外伤害和死亡侵害的廉价且有效的方法。此外,如果父母中的一方或双方购买了意外保险,则有许多意外伤害险会为投保人的子女提供免费保障。 一些保险还为儿童比较容易感染的传染病(例如手足口病(HFMD)和麻疹)提供了保障,如果父母因意外死亡而去世,此类保险还可以为子女提供学费。

5 想为老人提供额外的保险

意外伤害保险也是增加老年人的保险覆盖范围的有效方法,特别是对于那些养老金不足且难以承受新保单的高额保险费的老年人。但是,购买老年人意外保险时,请注意保险的截止年龄和所涵盖的最大年龄以及续签的资格的认定。您可能需要寻找可以续订至85岁或99岁的保险。髋部骨折在老年人中很常见,并可能导致行动能力受损,并在某些情况下使死亡风险加大。一些意外保险会为行动辅助设备或假肢以及房屋或车辆改装提供报销。 收入补助金和意外死亡补助金也可能有助于增加养老金不足的老年人的整体保险范围。

总体而言,意外保险可以很好地补充您的基本核心保险。 根据您的需求和所需的覆盖范围,您应该选择合适的意外保险。关于保险的内容,你是否有了一定了解,并有了自己的想法呢?如果有需要,快快为自己的生活加上一把安全锁吧!

本文是与APEX合作编写的。本文表达的所有观点均为“狮城攻略”的独立意见。

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    خاص‌ ترین جواهرات زنانه است که
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  181. How could it possibly be that we become polluted
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    are usually adept previously art of swearing lots of other
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    Presently there a deficiency somewhere. On homes and schools – there is really
    a failure to noble toon.

    I search for the trick to writing on right voice is to keep a scorecard on my character s.
    I learned this from a writer’s workshop. The scorecard is like a baseball trading
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    color, age, gender and a running associated with traits i introduce into the character because i write.
    I know these all sound descriptive in nature, but bear with anyone.
    It will be the better choice in some time.

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    keeping my dog out of my neighbor’s garden. Fascination with my
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    alarm clock went off of. He kept hitting the snooze button and always ended up rushing around so he wouldn’t be late to class.
    He heard how another guy solved exactly the problem, so he used it too.
    When he had some free time, he set his alarm clock to leave in 5 minutes.

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    the alarm. Soon he didn’t have problems waking up
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    Life prolongation. Prolongs one’s life mainly because it prevents unnecessary risks may make associated with mind mind evasive.

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    The factor I focus on is what themselves. Are in character.
    Live character. Stay in character. That’s written little wall above my desktop computer.
    I screw this up consistently. It is so easy to forget which character has which voice, is ideal for
    us part-time writers. Day jobs, family, and
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    And in case I’m done writing for that night, I usually jot a few notes about where my
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