昆仑健康保险2025金融教育宣传周发布提醒：意外险理赔需满足“四要素”，配置保障应避免单一化

Core Viewpoint - During the 2025 Financial Education Promotion Week, Kunlun Health Insurance actively conducted financial knowledge dissemination activities centered around the theme "Protecting Financial Rights, Supporting a Better Life" [1] Group 1: Insurance Understanding - Kunlun Health Insurance clarified common misconceptions regarding the scope of accidental insurance claims, stating that hospitalization due to illness is not covered under accidental insurance [1] - The company emphasized that the definition of "accident" in insurance terms must meet four critical criteria: "external," "sudden," "unintentional," and "non-disease" [1] - The expert from Kunlun Health Insurance explained that while illness-related hospitalizations may appear sudden, they do not meet the "non-disease" requirement, thus are not eligible for accidental insurance claims [1] Group 2: Consumer Guidance - Kunlun Health Insurance advised consumers to rationally allocate insurance and not rely solely on a single type of insurance, suggesting that accidental insurance should address external, unintentional bodily injuries, while health risks should be covered by medical insurance and critical illness insurance [2] - The company aimed to help consumers establish a more scientific understanding of insurance through case studies and professional tips, guiding the public in reasonable planning of coverage and clarifying claim boundaries [2] - The initiative seeks to reduce disputes arising from misunderstandings and enhance the sense of security and satisfaction among financial consumers [2]