2. Accidental disability: If the insured is disabled due to accident, the insurance company can generally compensate according to the corresponding proportion of disability level * insurance amount, such as first-class disability 100% insurance amount, second-class disability 90% insurance amount, third-class disability 80% insurance amount, fourth-class disability 70% insurance amount, fifth-class disability 60% insurance amount and sixth-class disability 50% insurance amount.
3. Death due to illness: If the insured dies due to illness after the waiting period, the insurance company can generally compensate the insured amount, which is generally 3-65438+ 10,000;
4. Unexpected emergencies: the insurance company can reimburse the insured for emergency medical expenses due to accidents, which are generally limited to social security medical expenses, with social security reimbursement of 90% and social security reimbursement of 80%, and the amount is generally1-20000;
5. Accidental hospitalization allowance: If the insured is hospitalized due to an accident, the insurance company can pay an allowance every day, generally 50-200 yuan per day, with a limit on the maximum number of days. For example, in a medical insurance policy year, the longest hospitalization can reach 90 days, and the longest payment can reach 180 days. In addition, some snow insurance also has a limit on the number of days without compensation;
6. Hospitalization: If the insured is hospitalized due to accident or illness after the waiting period, the insurance company can reimburse the hospitalization medical expenses, generally 90%- 100% after deducting the deductible, but if social security is not provided, the reimbursement ratio will be reduced, generally 70%-80%, and the amount is generally120,000;