Compensation items of personal accident insurance
1, death benefit
When the insured suffers accidental injury and causes death, the insurer pays death insurance money. Death compensation is full compensation.
2. Disability allowance
When the insured is disabled due to accidental injury, the insurer shall pay disability insurance money according to the degree of disability. Disability payment is a partial payment, and the maximum is limited to death payment.
3. Medical payment
When the insured pays medical expenses due to accidental injury, the insurer shall pay according to the facts. There is a maximum amount of medical compensation, and the medical insurance for accidental injury is generally not covered separately, but as an additional insurance for accidental injury, death and disability.
4. Hospitalization allowance
When the insured is temporarily unable to work due to accidental injury, the insurer shall pay the shutdown insurance money.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.