Accident, medical, critical illness, life, and homeowners insurance policies can cover fire.

A fire is a catastrophic burning phenomenon that is out of control in time or space. Of all disasters, fire is one of the most frequent and pervasive major threats to public safety and social development.

There are several types of insurance that can cover fire:

1. Accident insurance

Comprehensive accident insurance is divided into accidental death, accidental medical treatment and accidental disability. In a fire accident, the probability of an accident is extremely high. Many people may be injured in the fire scene and need emergency accident outpatient or hospitalization, which is covered by accidental medical treatment. Others may be able to receive accidental disability benefits if they meet the criteria for an accidental disability or burn claim at the scene of a fire. However, if the accidental death in the fire scene, then it is the responsibility of accidental death coverage.

2, medical insurance

Medical insurance for medical expenses to provide protection, the current market popular million medical insurance, mid-range medical insurance, as well as high-end medical insurance coverage can reach more than a million dollars. In the face of fire or explosion, medical insurance can reimburse. Compared with accident insurance, medical insurance only provides coverage for medical expenses, and has no liability for disability or death. However, medical insurance is highly leveraged, and a very small amount of money can be used to achieve a coverage of more than a million dollars, which can cope with the risk of large medical expenses, and is very suitable for people in good health to insure.

3. Critical Illness Insurance

The Code of Practice for the Use of Disease Definitions in Critical Illness Insurance issued by the China Banking and Insurance Regulatory Commission (CBIRC) standardizes and regulates the expression of 25 common diseases, of which the 20th disease is severe III-degree burns, so severe burns are covered by critical illness insurance.

4. Life insurance

Life insurance is categorized into term life insurance, whole life insurance, and double life insurance, which usually comes with the protection of death and total disability. If the insured dies in a fire accident, then the beneficiary can get the insurance claim.

5. Homeowners insurance

Homeowners insurance is an insurance product that protects the insured's house and indoor property against fire, rainstorm, typhoon, or any other sudden disaster, and compensates the insured for the corresponding financial loss.