基本人壽保險是否包括意外死亡？
基本人壽保險是否包括意外死亡？
 Yes, Basic Life Insurance does cover accidental death, as well as death due to natural causes (i.e. illness, old age). You sometimes have the option to put an Accidental Death rider on a basic life insurance policy. This increases the amount that would be paid to your beneficiary if you died accidentally, as opposed to dying from natural causes. Usually accidental death riders are offered in options of multiples of your basic death benefit. E.g. Your policy would pay $100,000 if you died of illness. But with the Accidental Death rider it would pay 2 times that amount, or $200,000, if your death was due to an accident of some sort. However, without that rider, the policy would still pay $100,000 for death due to accident OR natural causes.
問答
保險問答 多語言問答