Circumstances aren’t covered by personal accident insurance 

Personal accident insurance is the type of insurance that every individual should own. Because not only is a shield to protect you from accidents and unforeseen risks, but also a condition for you to confidently live your best and confidently contribute.

What’s personal accident insurance? 

Personal accident insurance is the type of insurance that your insurance provider will cover for the insured in the event of injury or death due to accident. Or he acts to save people, save state property and fight the illegal acts of other organizations and individuals.

Situations where companies provide “refusing” accident insurance compensation

Serious violation of traffic safety law 

Where a person performs an unauthorized race at a speed track on the road. In the event of a traffic accident, the insurance will not be obligated to pay any expenses to the assured in this case. In addition, in some rare cases without a valid driver’s license, the car goes into a forbidden road, the loss caused by the accident to the insured is also invalid.

Intentional act of the insured or legal heir 

If the insured or legal heirs attempt to harm the life or injury of the assured. Injury or death of the insured does not accept compensation from the insurance company.

As a result of drinking alcohol or other alcoholic substances 

If the insured drank alcohol, beer or all other types of alcoholic beverages. Driving on the road and having an accident, this person also does not receive accident insurance from the insurance company.

Some people whose jobs are specific and prone to risks and accidents 

People working in the aviation field such as flight attendants, pilots or those engaged in military exercises and drills, are the forces involved in direct combat in the event of violence or war, such as police and military forces. Team, navy, air force are not subjects of this accident insurance. There will be another preeminent and comprehensive insurance package for them.

The insured takes part in a fight, except for a case of self-defense 

If you get into a fight and you are one of the causes of that fight. In other words, if you are not injured in a legitimate scuffle for yourself against danger, you will not be compensated from personal accident insurance.

Cases such as colds, windstorms, miscarriage, occupational diseases and complications that occur during the treatment of illness or maternity.
These are cases that are excluded from the accident insurance claim’s compensation list. Because the above cases are very likely to occur due to weather or some other difficult factors to determine.

Poisoning of food and drink

When poisoned by food and drink. There are many reasons for this, maybe the food is not clean, it can also be because people eat the wrong way, the wrong method, combining foods with toxic mixtures. This is an unexpected situation but does not have any direct impact on the body of the insured from outside, so it is not considered in case of compensation for treatment costs by fish accident insurance. multiply

Drug treatment is not directed by health authorities 

If you voluntarily treat the disease according to traditional remedies, follow the instructions of any unregistered unit, unit, or worker who is a state health agency, your drug bill is are ineffective and cannot pay the cost of this drug bill.

East land, volcanoes, radioactive contamination, war, civil war, strike 

Some special cases and currently have no practical basis and rare in Vietnam are natural disasters such as earthquakes, volcanoes. Or the body is exposed to radiation from environmental toxins. Besides, the damage caused by both foreign and civil war battles or strikes.

Above are some cases not compensated from personal accident insurance. Some individuals have the concept of buying accident insurance and then reassuringly rush because the security insurance accident will take care of all the costs when problems arise.

However, in reality, this is a wrong thought. Because in fact, accident insurance is only a preventive ticket for accidents that do not automatically collide and are intended. You yourself protect yourself well and avoid situations of both loss and damage.

Hopefully the article gives you useful information about personal accident insurance. Wishing you a lot of good luck and full of enthusiasm.

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