Should accident insurance be purchased?

Personal accident insurance coverage and scope
Accident insurance will help us peace of mind to have a good life, financial initiative in all cases of risk to yourself. Hope this article has helped you get more useful information about accident insurance.

Personal accident insurance is a package that many insurance companies invest in for their clients to have a full life. But not everyone knows about the benefits of this accident insurance package. Today, will accompany you to answer any questions related to human accident insurance through this article offline!
human accident insurance
- All Vietnamese citizens and foreigners living in Vietnam between the ages of 18 and 65 can participate in this accident insurance package.
- The person who buys accident insurance will receive the benefits and value from insurance if falling into the following cases:
Accidents lead to death. Accidents lead to injury. Depending on the level of injury, the insurance company will pay the appropriate fee as agreed in the contract. Insurance buyers participate in rescue activities, protect the property of the state, against acts of law violation from other people.
In what case is not covered by accident insurance?
- If the person who buys accident insurance intentionally causes an accident for themselves to benefit from the accident insurance company, the accident insurance premium will not be paid.
- Persons who purchase accident insurance in violation of the regulations of local authorities.
- Accidental buyers are affected by the use of drugs, drugs, alcohol, beer ...
- The insured person buys the medicine on his own when he / she is in the process of treatment, not following the hospital's treatment schedule.
- Accidental accident purchasers gather together (except for self-defense) ...
Compensation for loss of human accident insurance
In the accident insurance policy, the individual will determine each item, the level of injury will correspond to the amount of insurance paid to the insured. You can refer to the following specific cases (rates vary depending on the different insurance companies):
Completely lost sight of both eyes: 100% of the sum insured. Loss of economic ability
Total vision loss of one eye: Paid 50% of the sum insured.
Loss of ability to use two legs or hands: 100% of the sum insured. Loss of ability to use one leg or hand (or one hand): Paid 80% of the sum insured. Total loss of hearing in both ears: Paid 80% of the sum insured. Total hearing loss in case of one ear: Paid 30% of the sum insured. Loss of ability to use four fingers and thumb in one hand: Paid 60% of the sum insured accident.