Dragon Boat Festival holiday has passed, and the two accidents that occurred during this period are heartbreaking.
On the first day of the Dragon Boat Festival holiday, Changge, Henan reported a drowning incident:
html In the early morning of June 12, a group of 7 people in Changge City, Xuchang, Henan were drinking by the river. During this period, some people were world-weary language. One of them suddenly climbed over the guardrail and jumped into the river, and then 5 people entered the water one after another. After multiple rescues, all the people who fell into the water have been salvaged ashore, and 4 of the 7 people died unfortunately, including 1 female and 3 males.
After investigation, it was found that These seven people were senior high school students who had just finished the college entrance examination. After the college entrance examination, they had a party and drank together. The first one fell into the water was a girl. Some of the people who came through the water went into the water to save people, but in the end they did not expect that it would cause a tragedy.
And at 6:30 am on the second day of the Dragon Boat Festival, a major gas explosion occurred in Yanhu Community, Zhangwan District, Shiyan City, Hubei Province.
According to the latest news, the accident has killed 25 people, and a total of 138 injured and sick people (of which 37 were seriously injured) are being treated. The search and rescue on the spot are still continuing.
According to insiders, this is a relatively large vegetable market nearby. At the time of the incident, the market had already started to open, with many people buying and selling vegetables and eating breakfast.
An eyewitness Mr. Zhang said that he was preparing to have breakfast at the restaurant in the vegetable market. Before he could reach the vegetable market, he suddenly heard a huge explosion. Then he saw that the entire vegetable market was overturned. In an instant, bricks and rubble flew all over the sky, and the flying bricks almost hit him.
And according to media reports, the explosion site was devastated, the market collapsed, cement stones were scattered all over the ground, many nearby residents were damaged on the balcony, and many nearby vehicles were also damaged.
No one expected that during the holidays, they would encounter accidents when they were sleeping in the morning, or when they went out to play, they would encounter accidents, and the fresh lives would be gone if they were gone, and the separation of life and death would be caught off guard.
But what is a little comforting is that the insurance company has begun to respond urgently to the accident in Shiyan, Hubei.
According to the " China Bank Insurance News ", after preliminary investigation, the accident involved auto insurance, corporate property insurance, household property insurance, personal accident insurance, China Gas public liability insurance and other insurance compensation work.
As of 5 pm on June 13, insurance institutions under Shiyan have received a total of 39 accident reports, including 9 human injury accidents and 30 property losses cases. They have actively investigated and connected cases, and the amount of prepayment is 725,000 yuan.
In addition, the local banking and insurance regulatory bureau cooperated with the government and also established an emergency claims team, opened a green claim channel, simplified claims procedures, simplified payment prerequisites, etc., to make relevant claims.
In fact, we can see that in the face of such major accidents or disasters, the insurance company's compensation is always timely and in place.
Although purchasing insurance cannot prevent accidents, it can reduce the psychological and economic blows of the loss of relatives by the family through the economic compensation given by the insurance company.
Once seen The "Research Report on Accident Risks for Chinese Insurance Population" released by the China Insurance Industry Association : html The primary accident risk for teenagers aged 10-19 is accidental drowning or flooding; aged 20-49, inanimate mechanical force is the primary cause of accidental injury; for people over 50 years old, the biggest accident risk is falling and falling. The consequences of accidental injuries often lead to huge burdens, whether financially or physically, far beyond the scope that any individual can bear.
As an accident insurance , which specifically provides risk protection for accidental personal injury accidents, plays an increasingly important role in dispersing accidental disaster risks, providing financial compensation to the insured, and maintaining social stability.
Because of accidents, it is still important to configure accident insurance for .
Accident insurance is also called accidental injury insurance. It refers to the insurance in which the insured pays the insurance premium in accordance with the contract when the insurance is valid during the period when the insurance is disability or death caused by accidental injury.
and unexpectedly, it must meet the objective conditions of: being subject to foreign, non-intentional, sudden, and non-disease.
The protection items of good accident insurance generally include death payment, disability payment, accidental medical treatment, sudden accidental death (some without), and hospitalization allowance (generally optional).
Above we mentioned that people of different age groups face different accidents, so the security needs are also different.
For minors, they usually spend a long time indoors and school. The accidents they often encounter are bumps, falls, fractures, etc. The risk of accidental death/disability is not high, so it is very important to get an accident insurance of 10,000 or 20,000 yuan.
In addition, some child accident insurance will contain minor liability insurance. If the child causes personal injury or property loss to a third party due to negligence, compensation can be received within the agreed scope.
It should be noted that for children's accident insurance, the state has a certain coverage limit, with a limit of 200,000 yuan for children under the age of 10,000 yuan, and a limit of 500,000 yuan for children under the age of 18.
Actually, an adult, especially the economic pillar of the family, will greatly affect the economic situation of the entire family, so the insurance amount must be fully implemented. It is recommended to reach at least 500,000. You can also pay attention to certain products that guarantee sudden death to prevent emergencies caused by long-term high-intensity work.
In addition, if you often travel on business or drive, you can also pay attention to the quota of Aviation accident insurance , rail transit accident insurance and self-driving accident insurance; if you are a high-risk professional group, in addition to choosing targeted products, you must also provide full protection through term life insurance and group accident insurance.
For older people, the risk of accidental fall injury is relatively high. You can mainly pay attention to external medical quotas and accidental hospitalization allowances.
A holiday, in just a few days, the tragedy caused by accidents is heartbreaking and fearful. We have no way to predict what accidents will happen in the future, but we can equip insurance in advance to prevent them.
