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
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
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
Huasing Association 1999 - 2013