Student accident insurance bought by different schools may be underwritten by different insurance companies, and the coverage, coverage and payment conditions of their insurance products are different.

The term of student insurance is basically one year, and student insurance generally bears various insurance responsibilities such as accidental death, disability, unexpected medical expenses or hospitalization due to illness.

Liability for accidental death: if the insured dies accidentally, he shall pay the death insurance money according to the insured amount;

Accidental disability liability: accidental disability shall be paid in proportion to the grade;

Accidental medical responsibility: medical expenses arising from outpatient or inpatient treatment caused by accidents shall be compensated and reimbursed according to the contract (generally, there is an agreement on deductible and compensation ratio, and there is also an agreement on distinguishing internal and external medication in social security);

Hospitalization medical responsibility: medical expenses for hospitalization due to illness shall be compensated according to the contract;

Insurance liability for specific diseases, and payment of insurance compensation for specific diseases as agreed in the contract.

After an insurance accident, you can generally apply for claims directly from the insured insurance company, such as going to the local customer service center of the insurance company in person or calling the customer service hotline of the insurance company to report the case, and then mailing the claims information to the claims department; Or contact the insurance agent who undertakes the school insurance business to assist in handling claims reimbursement.

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