How does insurance define death by accident?
Before you take out an accident death insurance policy , it is important that you know the definition of insurers.
This is different from the one used in everyday language and the beneficiary will only be compensated if he strictly responds to the application of this definition.
The insurance defines accidental death as follows and covers you if the cause of the accident meets the three criteria below.
This excludes deaths due to a medical accident of the cerebral or surgical type, unless it is caused by material failure or misconduct by the medical staff.
\We will resume below all the points for which you must show the most attention before entering into a contract.
Not covering the disease, accident insurance requires little underwriting formalities. Thus, the insurer will not claim medical formalities: no questionnaire or even health declaration.
However, it is necessary to respect age limits, which vary depending on the insurer. Most often, they require the insured to be over 18 years of age and under 70 years of age.
Here is a list of exclusions found in most insurance if accidental death occurs due to one of the following reasons:
Many companies offer complementary services such as psychological assistance to beneficiaries, assistance for the care of pets, domestic help or various benefits to assist school children. Ask your insurer.
GAV (Life Accident Guarantee) contracts protect you in the event of death resulting accidentally from everyday life, mainly domestic accidents. The insurer has the obligation to compensate the victim in proportion to the bodily injury suffered, even if the cause has not been clearly identified.
A tariff approach is not enough to compare accident death insurance contracts. Before you decide, it is imperative to read the general conditions of the contract and especially the chapter related to exclusions.