大东方的这个意外险怎么样

只是图片里的价格差别不大呀比如 AIA 25万 289
50万 469

比较过以前的合同，随便说几个地方GE对于AIA可以考虑进步的地方，不建议打价格战。

1. 意外的定义，forced这词在AIA的意外保单里早已经取消，而很多公司的意外定义里依然需要遵守forced这个定义

2. 烧伤定义，目前暂时没看到有提到烧伤的意外赔付，因为三级烧伤在国际上算残疾了，特别是头部。

3. 危险运动，比如浮潜，登山，攀岩是否有被纳入保障范围，如果没有的话多半还是在合同的排除条款里。

4. 失踪多久算意外身故，国际惯例是3-7年，但意外保险如果有注明可以缩短到1年

其他的想到了再补充吧。

不便宜啦去年我买的时候好像cover差不多，一年才540

保单的卖点对是残障的保障比例很高。这也是意外险的只要保障之一。
不足是没有烧伤和骨折的赔付，只是支付医疗费用到限额。
如果保的很全面的话，价格就会高不少。

医疗费用最多5000吗？

感觉不便宜这些事情发生的机会很小，还要几百块一年。。。太贵了

对一般上足够了，因为严重导致住院的话可以由住院保险COVER医疗费。这个主要用来去看个家庭医生之类的。

大东方的意外保险建议楼主带着大家的回复内容跟认识的大东方自己的业务员求证一下吧。

看似回复的挺专业，但实际上信息并不正确，相信应该是没有看到此款产品保单合同的细节或者评经验而谈。

意外保险索赔几率是所有保险中最高的去MOH网站有资料可查

好像cover差不多 差一点就差很多钱好么 phd要严谨

欢迎指出来说得不对的地方我们互相学习进步。
保单条款本来都不是一尘不变，
但没有依据就直接说不正确，
未免太武断了点吧。

我买大东方的一个月5块上次崴到脚已经把一整年的保费赚回来了。

依据必须要有的想真正专业的帮助大家，还是自己先仔细研究一下吧。

我只提供一对一的咨询服务。

公众平台比较不容易解释的清楚。

呵呵

既然有人愿意讨论那就多分享一些

第一点是关于意外的定义，有些合同里是这么写的

Accident means an unforeseen and involuntary event

而有些意外合同里会再加上一些限制比如常见的must be forced也就是暴力导致的，或者caused body injury也就是必须要有身体伤害

显然附加越多的限制条件对客户是不利的，因为索赔的时候会说因为没满足forced所以不算意外不可以索赔或者没满足body injury所以没受伤你去拍脑部MRI那是多余的所以不给报销，这些是我的客户以前用其他公司的意外保险索赔失败分享给我的。

第二点，关于索赔的时效性，有的公司是这么写的

We will pay the Insured Amount for the Accidental Death Benefit if the Insured dies due to an injury within 365 days from the date of the accident.　

也就是发生意外后的365年内产生的相关结果可以被归类到这次意外，而其他公司的合同有些规定是3个月，有些是6个月，只要超过这个时效出现的问题保险公司就不对此次意外负责了，同样包括意外导致的永久残疾的情况。

第三点烧伤定义

Shortening of leg by at least 5 cm

Third Degree Burns
Area damage as a percentage of total body

* (i) 　Head – equals to or greater than 2% but less than 5%

* (ii) 　Head – equals to or greater than 5% but less than 8%

* (iii) 　Head – equals to or greater than 8%

* (iv) 　Body – equals to or greater than 10% but less than 15%

* (v) 　Body – equals to or greater than 15% but less than 20%

* (vi) 　Body – equals to or greater than 20%

我相信至今任然有公司并没有把烧伤定义纳入意外保障范围，就算有，也可以看下烧伤的赔付金额是否和意外伤害的额度一致，还只是象征意义上的补偿几千块。

第四点灰色索赔区域的明确定义

以下情况全部是明确被保的

Strike, riot and civil commotion
We will cover accidental death or injury of the Insured directly due to riot, strike and/or civil commotion, as a result of an accident if the Insured had not directly or indirectly collaborated, participated or provoked such act. For the avoidance of doubt and without prejudice to any other terms and conditions of this policy, point 3 of the Exclusions section expressly applies.

Terrorism
We will cover accidental death or injury of the Insured directly due to an act of terrorism, as a result of an accident, provided that the Insured had not directly or indirectly collaborated, participated or provoked such act. Cover includes the use of nuclear, biological and chemical devices during the act of terrorism. For the avoidance of doubt and without prejudice to any other terms and conditions of this policy, point 3 of the Exclusions section expressly applies.
“Act of Terrorism” means an act of any person or group of persons, whether acting alone, on behalf of or in connection with any organisation or government, committed for political, religious, ideological, economic, ethnic, nationalistic, racial, or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. Robberies or other criminal acts primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator and victims will not be considered as an Act of Terrorism. Act of Terrorism also includes any act which is verified or recognised by the relevant government as an act of terrorism.

Drowning and suffocation
We will cover accidental death or injury of the Insured directly due to suffocation by smoke, poisonous fumes, gas or drowning, as a result of an accident, if the event does not arise as a result of the Insured’s wilful and/or intentional act.

Exposure
We will cover accidental death or injury of the Insured due to an accident if he is unavoidably exposed to natural disasters including but not limited to floods, tornadoes, hurricanes, volcanic eruptions, earthquakes, tsunamis and landslides if the event does not arise as a result of the Insured’s wilful and/or intentional act.

Disappearance
We will cover the death of the Insured if the body of the Insured is not found within 12 months from the date of disappearance following the sinking, wrecking or destruction of an aircraft or other conveyance in which the Insured was travelling as a result of an accident. We may require a copy of the police report and death certificate issued by the relevant authorities in the country in which the insured event had occurred to be submitted to us. If the Insured is found to be living at any time after payment of the relevant benefits under this policy, all such payments shall be immediately refunded to us.

Hijack, murder and assault
We will cover accidental death or injury of the Insured directly due to hijack, murder and assault, as a result of an accident, provided that the Insured had not directly or indirectly collaborated, participated or provoked such act. For the avoidance of doubt and without prejudice to any other terms and conditions of this policy, point 3 of the Exclusions section expressly applies.
“Hijack” means any seizure or exercise of control by force or violence, or the threat of force or violence and with wrongful intent, of a Public Conveyance in transit, in which the Insured is travelling as a fare-paying passenger or a crew member.

Food poisoning
We will cover accidental death or injury of the Insured resulting from accidental food poisoning if the event does not arise as a result of the Insured’s wilful and/or intentional act.

Private flight
We will cover accidental death or injury of the Insured caused by an accident while he is travelling as a non fare- paying passenger in any properly licensed private aircraft and/or helicopter forming part of a business trip whilst the Insured is travelling outside Singapore.

Insect/animal bites, stings or attacks
We will cover accidental death or injury of the Insured caused by a bite, sting, attack or such similar event by an insect or animal if the event does not arise as a result of the Insured’s wilful and/or intentional act. This cover includes dengue fever.

Amateur sports
We will cover accidental death or injury of the Insured while he is engaging in sports or activities as a form of recreation.
For the avoidance of doubt, sports carried out in a professional capacity or where the Insured would or could earn income or remuneration from engaging in such sport are expressly excluded.

Motor-cycling (rider and pillion)
We will cover accidental death or injury of the Insured while he is riding a motorcycle (whether as a rider or as a pillion-rider) if at the time of the accident, he was wearing a safety helmet and has a valid motorcycle license that allows him to ride such motorcycle, and was not engaging in or practising for racing, hill climbing contests, reliability trials and speed or duration testing.　

有些公司的合同没有这个部分，是否对客户有利我的理解是更有利的，比如提到的最后一条motor，或许很多人不知道这条款有时候是会被放到排除条款里的，除非额外加保费才有保到

最后一点排除不保条款

7. Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. These are stated as exclusions in the contract. The exclusions for this plan include, but are not limited to the following conditions. You are advised to read the policy contract for the full list of exclusions.　

　 　 * (a) 　war (whether declared, undeclared or otherwise), invasion, civil war, revolution or any warlike operations; or

　 　 * (b) 　violation or attempted violation of the law or resistance to arrest; or

　 　 * (c) 　the Insured engaging or taking part in air, military, naval training, exercises, manoeuvres, warlike operations or
handling of explosives, demolition materials or while under orders for restoration of public order, whether in time of peace, declared, undeclared war or otherwise, except where operationally ready national service duties are carried out in Singapore or overseas (if applicable) pursuant to the Enlistment Act (Cap 93); or

　 　 * (d) 　the Insured engaging in air travel (except as a fare-paying passenger in any properly licensed private and/or commercial aircraft, or as a crew member in a properly licensed commercial aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route, or as covered under the section on Private Flight of the Policy Extensions section); or

　 　 * (e) 　suicide or attempted suicide or intentional self injury or from deliberate exposure to exceptional danger (except in an attempt to save human life), whether sane or insane; or

　 　 * (f) 　childbirth, pregnancy, miscarriage, abortion, sterilisation, contraception, treatment for infertility or any complications concerning therewith notwithstanding that such event may have been accelerated or induced by injury; or

　 　 * (g) 　any form of dental care or treatment (unless necessitated by Injury and provided that such dental care and/or treatment shall be applied to sound natural teeth). Dentures and all related expenses are expressly excluded; or

　 　 * (h) 　any form of cosmetic, plastic or elective surgery unless necessitated by injury; or

　 　 * (i) 　treatment of alcoholism, drug abuse or any other complications arising there from, or accidents caused by or
whilst under the influence of drugs or alcohol; or

　 　 * (j) 　the Insured engaging in a sport in a professional capacity or where the Insured would or could earn income or
remuneration from engaging in such sport; or

　 　 * (k) 　the Insured engaging in racing of all kinds (other than on foot and swimming and where expressly covered under
section on Amateur Sports of the Policy Extensions section); or

　 　 * (l) 　treatment for congenital anomalies and physical defects; or

　 　 * (m) 　any kind of disease or illness (including but not limited to osteoporosis or other bone diseases) save as expressly
covered under sections on Food Poisoning and Insect/Animal Bites, Stings or Attacks of the Policy Extensions
section; or

　 　 * (n) 　AIDSandHIVoranycomplicationsassociatedwithanyHIV;or

　 　 * (o) 　anypre-existingcondition.

这个好理解，就是保险公司明确说了不保的情况，这里的条款和意外的定义类似，是越少越对客户有利。

也希望同行能把自己手上的资料拿出来对比分享大家互相学习。我晚点再回来回复

第一次听说

有什么分享还要一对一才行。

赞一下小五专业的态度和详细的比较

我也是第一次听说分享保险知识要一对一，好奇怪。哈哈

自己有买的保险经纪路过，随便说几句一些提到的要注意的条款细节，各个公司确实有些细微差别，但是…

手机打字，能说几句就几句，我也有朋友说买某某公司的意外保险不能理赔，但是同样case我帮客户理赔到啊（正常理赔，不是骗保。哎妈呀，现在发个帖真痛苦，总得防着人这样说你，那样说你，打字打到这里都不想打下去了）

只能说，这世界上没有既便宜又好的东西，就看你侧重什么了。这个公司这个地方多保点，那个公司那个地方多保点，都是有些差异。

比如这个保单，对呀，它没有保烧伤，可是GE有其他很多保单都保烧伤呀，不需要到3度，2度烧伤就赔，大部分公司都需要到3度呢。所以，如果是一定要烧伤赔偿的，那么建议选GE其他保单。

因为这个保单主要主要侧重于残疾，说起来，都算是大事，是的，确实可以说是几率小，但是，万一发生的话真的更需要这笔钱。保险嘛，不就是保万一么，反正我买的心态是这样。

high risk sports on lesure basis的，GE早就保了，至少近4-5年的保单没见过说exclude这些！而且，这个保单包括national service都有保哦！大部分公司把national service exclude出去了的，我想版上的人都知道吧。

另外，GE意外保险的合同条款没有见过inforce这个词汇。看过很多年前的合同都没有这个词。

刚找到文字读了下注意下高危运动除了要求leisure basis还要求with a licensed organisation 这点你们已经是一个进步了。

mountaineering or rock climbing, caving, pot-holing, hunting, hang-gliding, sky-diving, parachuting, winter sports, ice-hockey, horse riding, polo-playing, scuba diving, boxing, wrestling or any martial arts activities, unless such activities are engaged on a leisure basis with a licensed organisation;

另外留意了下意外最新的定义，去掉了一些词但依然保留了sudden 和 body injury
Accident which results in a sudden, unforeseen and involuntary Injury to the Life Assured which occurs independently of an illness, disease or any other causes during the Period of Insurance. Injury refers to damage of bodily tissues that is not sustained as a result of an illness or disease.

另外NS全部有保还是部分有保？因为排除条款里有写
a Life Assured engaging in commando or bomb disposal duties/training, active military duties such as maintenance of civil order, engagement in hostilities, whether war be declared or not, and travel by military aircraft or waterborne vessel

我是在下面的公司链接里节选的这些排除exclusions 如果不同的意外保险保单你们有不同的排除条款还请告知我一下。
https://www.greateasternlife.com/content/dam/great-eastern/sg/homepage/personal-insurance/find-the-right-plan/product-summary/essential-protector-product-summary.pdf

楼主，可以加一下您的微信，向您咨询买保险的事宜楼主，您好，可以加一下您的微信吗？想向您咨询下买保险的事情

要赞一下这个回复中的一句话这个保单侧重点在于意外造成的残疾。

之前小四的一句话也不错，说住院险是可以cover由于意外引起的费用，但是无法让由于意外引起残疾的人过得有尊严。

结合这两点，这个保单的意义就在于，如果由意外引发残疾，甚至丧失工作能力，作为一个收入替代，或者用来提高残疾人的尊严。

如果可以买到比较便宜的收入替代保单，这个其实就有点重复了。但是对于女性，工作种类分级造成收入替代险比较贵的话，这个意外保单可以作为一个替代产品。

尤其对于小孩子，意外风险选大于重疾，虽然有住院险负责医疗部分，但是如果一个小孩年纪很小就因为意外而残疾的话，还是需要一大笔钱来让他过得有尊严。毕竟父母不能陪他们一辈子。

美中不足，小于17岁的孩子只能买basic, major disability保60万，略显不足。

这坟挖的深……小孩确实是太少，挺遗憾的。

不过，相对其他的儿童保险就赔1-5万（没有特意去比较保单，但是，我看了身边朋友买的保单，就没看到超过5万的儿童意外赔偿……）这么看，这个已经是很多了。是我见过的最多的。

话说，貌似我这还没有哪一个家长给娃买这个保险……觉得没必要。给自己买的客户，倒是很多。

请问你买的具体产品的名字叫什么谢谢！

哈哈，你可以问我呀我常卖这个…

同问这个是什么意外险 这么便宜。。。
和促销款比 差异在哪里

侧重点不一样就跟前文所说，每款产品不同侧重点，看你要什么。

一个侧重赔偿，一个侧重报销。

如果不是经常出外勤或者跑工地的工作感觉意外险不如人寿+重疾那么紧要。如果两个都没有，还是先买人寿加重疾，当然如果钱多，买多少种保险都OK啊。

应该是大东方最便宜的一个意外险了意外受伤可以报销西医不超过1000块，中医可以报500，意外死亡或永久残废的话大概10000吧，我觉得很够了，毕竟是真的便宜，这种保险适合工作生活中意外风险很低的，平时崴到脚闪到腰都可以报销，食物中毒不包括哦