There are roughly three types of accident insurance, namely personal accident insurance, traffic accident insurance and travel accident insurance. As a fitness instructor, personal accident insurance is preferred. The accident insurance premium purchased by different insurance protection settings and different coverage ranges is different, so you should treat this problem specifically. At present, the personal accident insurance premium provided is roughly between tens of yuan and hundreds of yuan, and the amount of insurance you can get is often as high as one million, which is very cost-effective. When you apply for insurance, you should look at your actual protection needs. If you are the breadwinner of your family, the insurance coverage for death and total disability should be set at 10 times of the insured's annual income, so as to ensure that the quality of family life of the insured will not be affected within 10 years after the accident. If you are single, it is best to set it at more than 6.5438+10,000 yuan, otherwise it will lose the meaning of insurance. Fitness instructors buy personal accident insurance. I suggest you expand the range of choices and make a comprehensive comparison. When buying accident insurance, not only the premium can be at least discounted by 15%, but also the later claims service is guaranteed. The coverage of the annual comprehensive protection plan of Auspicious Life includes: * accidental death/disability insurance 200,000 yuan * accidental injury medical treatment 20,000 yuan (100 free of compensation, 80% compensation) * additional airplane accidental injury 600,000 yuan, etc.
The total compensation for common accidents is as low as 234 yuan-Taiping Shi Sheng Comprehensive Accident Insurance (Diamond Plan) guarantee: * 200,000 ordinary injuries * 50,000 accidental medical treatment * 328 yuan accidental hospitalization allowance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.