The insurance included with Ping An Bank’s car owner credit card is accident insurance for all vehicle occupants, including accidental injury and accidental injury medical treatment. Accidental injury does not conflict with other insurances, but accidental injury medical care does.
Accidental injury refers to death or disability caused by an accident while driving. The insurance company pays a certain amount, which has nothing to do with the cost of treatment.
Accidental injury medical treatment refers to the disability caused by an accident while driving. The insurance company will pay a certain proportion of the cost of treatment. The compensation for this kind of insurance premium adopts the "compensation principle", that is, the total compensation received by the insured from all insurance companies shall not exceed the total cost of treatment, also known as "loss compensation".
Extended information:
Ping An Bank car owner credit card customers only need to activate the card and swipe it once to make a purchase, with no limit on the amount. Starting from 0:00 on the day after the first purchase date, you will receive accident insurance for all vehicle occupants. The coverage includes driver accident insurance with a maximum insured amount of RMB 500,000, passenger accident insurance of RMB 100,000 for each person in the same vehicle, and accident insurance for all vehicle occupants for each person in the vehicle. Accidental medical treatment of RMB 4,000 per person (including driver).
The primary insured person? Accidental injury while driving? 500,000 yuan/person?
Medical treatment for accidental injury while driving? 4,000 yuan/person?
Jointly and severally insured Person? Accidental injury while riding? 100,000 yuan/person?
Medical treatment for accidental injury while riding? 4,000 yuan/person?
Notes
1. The vehicle must be driven by a Ping An Car Owner Card holder to enjoy the vehicle accident insurance;
2. The vehicle driven must be a non-commercial private passenger vehicle (seven seats or less), excluding public use The number of vehicles, freight vehicles, passenger and cargo vehicles, and motorcycles;
3. If the number of people on the vehicle exceeds the maximum number of passengers approved by the above-mentioned vehicles, all passengers in the same vehicle will not enjoy this insurance;
4. The deductible for accidental medical treatment is RMB 100 per time (excluding some self-paid and fully self-paid diagnosis and treatment items and drug costs stipulated by the local social basic medical insurance authority);
5. If a single-vehicle accident occurs while the main insured is driving the vehicle, the insurer will pay the insurance benefit at a ratio of 10 accidental death/accidental disability;
6. When the main insured is driving the vehicle, due to road violations If an accident occurs due to traffic safety laws and regulations, if the traffic police department has clearly determined the proportion of accident liability, the insurer will pay the insurance benefit according to (100 - accident liability proportion) * accidental death/accidental disability insurance benefit. If the accident liability is not clearly defined If the proportion is proportional, the claim shall be settled according to the following proportion:
What proportion is borne by the type of liability?
Being fully responsible? 10?
Being mainly responsible? 30?
Having equal responsibility? 50?
Having secondary responsibility? 70?
No responsibility? 100?
Reference materials:
Ping An Bank-Car Owner’s Credit Card-Details of Accident Insurance for All Vehicle Personnel