How much does it cost to buy accident insurance? Analysis of hot topics across the Internet and price comparison
Recently, "How much does it cost to buy accident insurance?" has become one of the hot topics on the Internet. As people's risk awareness increases, accident insurance has attracted much attention because of its low premiums and high protection. This article will combine the hot data of the past 10 days to analyze the price range and influencing factors of accident insurance for you.
1. Hot topic trends across the Internet
According to public opinion monitoring, in the past 10 days, the search volume of keywords such as "accident insurance price" and "how to buy accident insurance" increased by 35% month-on-month. The following are the most popular sub-topics:
| Ranking | hot topics | Number of discussions (10,000) |
|---|---|---|
| 1 | Student accident insurance price comparison | 28.6 |
| 2 | Accident insurance insurance restrictions for the elderly | 22.3 |
| 3 | Travel accident insurance cost-effectiveness evaluation | 18.9 |
| 4 | High-risk occupational insurance guide | 15.2 |
2. Accident insurance price reference table
Through product research on 20 mainstream insurance companies, we sorted out the current mainstream accident insurance price ranges in the market:
| Coverage type | Insurance coverage | Annual premium (yuan) | Applicable people |
|---|---|---|---|
| Basic comprehensive accident insurance | 100,000-500,000 | 50-300 | average adult |
| Exclusive accident insurance for students | 50,000-200,000 | 30-150 | School students aged 6-22 |
| Accident insurance for the elderly | 50,000-300,000 | 150-600 | 60-80 years old |
| High risk occupational accident insurance | 200,000-1 million | 500-2000 | construction workers etc. |
| Short term travel accident insurance | 100,000-1 million | 5-50/day | during travel |
3. Five factors affecting price
1.age factor: Premiums for people over 60 years old usually rise by 30%-50%
2.Occupational Category: Class 1-3 occupations have the lowest insurance premiums, and Class 6 high-risk occupations may have double insurance premiums
3.Coverage: The price of policies including sudden death liability will increase by about 20%
4.Insurance amount selection: For every additional RMB 100,000 of insured amount, the premium will increase by approximately 15%-25%
5.Additional services: Products that include value-added services such as ambulance fees have a premium of 10%-15%
4. Recent hot insurance cases
A hotly discussed case of “Insurance for takeaway riders” on a social platform shows:
-Basic version: Annual payment is 680 yuan, insured amount is 300,000 yuan (including third-party liability)
- Upgraded version: Annual payment is 1,200 yuan, insured amount is 500,000 yuan (additional hospitalization allowance)
Related topics were read more than 5 million times in a single day, reflecting the surge in protection needs of practitioners in the new industry.
5. The latest insurance recommendations in 2023
1.Price comparison skills: Check the price of registered products through the official website of the Insurance Industry Association
2.A Guide to Avoiding Pitfalls: Be wary of the “ultra-low price trap”. Products that are 30% lower than the average market price may have disclaimer traps.
3.Combination plan: It is recommended to match accidental medical insurance. If you increase the budget by 100-200 yuan, you can get medical reimbursement of 10,000 yuan.
According to the latest data from the China Banking and Insurance Regulatory Commission, the average claim settlement time for accident insurance in Q2 2023 has been shortened to 3.2 days. When purchasing insurance, it is recommended to give priority to products with high claims settlement efficiency. The specific price needs to be calculated based on the actual situation of the individual. It is recommended to obtain a personalized quotation through formal channels.
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