accidental insurance
傷害保険の特徴としては、被保険者が急激かつ偶然な外来の事故により身体に傷害を被った結果、死亡、後遺障害、治療を要したときに保険金が支払われる。時間をおかず突発的に発生する、予測できない偶発性がある、外からの作用によるものをいわゆる怪我と定義しています。例えば日焼けは火傷のようになっても急激性がないため怪我とはみなされません。逆に料理をしていて火傷をしたら怪我として対応されます。怪我を対象にしている保険ですから病気には補償されませんので、年齢や性別によって保険料が異なることはありません。その代わりに職業によって保険料が異なります。職業別に一般的な職業をA職、トラックの運転手やとび職などはＢ職でA職よりも割高になります。 傷害保険には色々な種類があり、代表的なものを幾つか挙げてみます。普通傷害保険、家族傷害保険、交通事故傷害保険、ファミリー交通事故傷害保険、国内旅行保険、海外旅行保険などです。普通傷害保険は24時間、365日補償されるオーソドックスな傷害保険です。これと補償内容を同じくして保険の対象を増やしたものが家族傷害保険です。本人や配偶者、同居の親族、別居の未婚の子などまで対象です。ただし、O-１５７のような細菌性食中毒は対象外です。また、地震、噴火、津波危険補償特約などを付けなければ、地震、噴火、津波による傷害は補償対象になりません。もちろん、飲酒運転や無免許運転も然り、危険なスポーツ（スカイダイビング、ハンググライダー、アイゼン・ピッケルなどの登山用具を用いる場合など）をしているときの怪我は原則対象外です。 傷害保険の補償は通常の基本契約では次の5つです。死亡保険金は事故の発生から180日以内に亡くなられたときに保険金が支払われます。後遺障害保険金は事故の直接の結果として180日以内に後遺障害が生じたときに程度に応じて死亡・後遺障害保険金額の所定割合の保険金が支払われます。入院保険金事故は事故発生日から180日以内に入院した場合、1日につき入院保険金日額が支払われます。手術保険金は治療のため手術を受けられた場合、手術の種類に応じて入院保険金の10倍、20倍、または40倍が支払われます。通院保険金は事故発生日から180日以内に実通院90日が限度です。 傷害保険は簡単に加入することができて、怪我の通院だけでも保険金が支払われます。病歴のある人で生命保険や医療保険に加入できない人も多いかと思いますが、怪我の補償だけは傷害保険でまかなうというのもありです。また、高齢者が家族にいる場合、単独で加入できなければ子供が家族型の傷害保険に加入する手もあります。同居親族は自動的にはいりますので、親が同居ならこうした使い方も有効です。交通事故が心配な場合、自動車保険の契約があれば人身傷害補償の補償範囲を広げることも検討すべきです。子供や親などの同居親族も対象ですし、契約車両に乗っていないときの交通事故まで範囲を広げられる商品も増えています。
The characteristics of accident insurance include the insured person’s sudden and accidental outpatient injury, resulting in a fatality, sequelae disorder, and medical treatment. It is defined as a so-called injury because of the unexpected contingency, and the action from the outside, which occurs suddenly without time. Sunburn, for example, is not considered an injury because it does not have a sharpness even if it becomes a burn. On the other hand, if you are cooking and burned, you will be treated as an injury. Because it is insurance that is intended for injury, it is not covered by the disease, so the insurance premium does not differ depending on the age and gender. Instead, insurance premiums vary depending on the occupation. Ｃompared with a common occupation, a truck driver, a jump job, etc. is more expensive. There are various types of accident insurance, and I will list some typical ones. Ordinary accident insurance, family accident insurance, traffic accident insurance, family traffic accident insurance, domestic travel insurance, overseas travel insurance, etc. Normal accident insurance is an orthodox accident insurance that is covered 24 hours a day, 365 days a year. Family accident insurance is the one that increased the coverage by the same as this and the coverage contents. It is the target to the person and the spouse, the relative of the cohabitation, the unmarried child of the separation, etc. However,bacterial foodpoisoning, such as O-157, -is not eligible. In addition, accidents caused by earthquakes, eruptions, and tsunamis will not be covered if earthquakes, eruptions, and tsunami hazard compensation concessions are not included. Of course, drunk driving and unlicensed driving are not eligible in principle, and injuries are not covered when playing dangerous sports (such as using skydiving, hang gliders, or climbing equipment such as pickle). There are five types of compensation for accident insurance in a regular contract: Death insurance is paid when death occurs within 180 days of the accident. The insurance for the disability will be paid a predetermined percentage of the amount of the death and disability insurance according to the degree when the after-effect failure occurs within 180 days as a direct result of the accident. If an inpatient insurance accident is hospitalized within 180 days from the date of the accident, the daily amount of hospitalization insurance will be paid per day. If the surgical insurance fee is operated for treatment, it is 10 times or 20 times the inpatient insurance fee, depending on the type of surgery. , or 40 times. The maximum number of days to visit the hospital is 90 days from the date of the accident. Accident insurance is easy to enroll in, and insurance is paid only by visiting the hospital for injuries. I think that there are many people who have a medical history and cannot take out life insurance or medical insurance, but there is also that only compensation for injuries is covered by accident insurance. In addition, if the elderly are in the family, if they cannot join alone, the child may be able to take out family-type accident insurance. Because the relative who lives together is automatically, such usage is also effective if parents live together. If you are concerned about traffic accidents, you should also consider extending the coverage of personal injury compensation if you have a car insurance contract. It is also intended for family members living with children and parents, and more and more products are expanding the scope of traffic accidents when they are not riding contract vehicles.
