Are sudden death and acute illness covered by accident insurance in Luoyang?

[Direct conclusion] 【Draw the line: accident insurance covers 'external, sudden, unintended, non-disease' objective events; sudden death is mostly classed as 'illness death' not accident, so standard accident usually doesn't pay — you need 'acute illness/sudden disease death' liability or a separate medical policy. Key points to keep in mind: 1. Elders and chronic patients especially need acute-illness-inclusive products, or sudden MI, heatstroke etc. 2. may not be paid.】 Payout boundary: Four points: ◆ Accident ≠ illness: own-disease onset isn't accident. 3. ◆ Pick acute liability: essential for elders/kids. 4. ◆ Medical fills: acute treatment via medical reimbursement. Note: Report the incident right away and keep every receipt and medical record. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.