What Are the Key considerations when choosing between personal umbrella and excess policy?
在个人保护伞和超额政策之间进行选择时的关键考虑因素是什么？
Key considerations when choosing between personal umbrella and excess policy
Coverage limits and exclusions Personal umbrella insurance generally offers higher coverage limits and fewer exclusions compared to excess policies. It's essential to review the specific coverage and exclusions of each policy to determine which one meets your needs.
Cost-effectiveness and premium comparison Personal umbrella insurance is often more cost-effective in terms of the coverage it provides compared to excess policies. Comparing premiums and coverage options can help determine the most cost-effective solution.
Additional benefits and policy features Personal umbrella insurance policies may offer additional benefits and features, such as worldwide coverage, coverage for personal injury claims, and coverage for legal defense costs. Assessing these additional features can aid in choosing the right policy.
在个人保护伞和超额政策之间进行选择时的关键考虑因素
承保限额和除外责任 与超额保单相比，个人伞保险通常提供更高的承保限额和更少的除外责任。务必查看每项保单的具体承保范围和除外情况，以确定哪一项能够满足您的需求。
成本效益和保费比较 与超额保单相比，个人伞式保险在其提供的承保范围方面通常更具成本效益。比较保费和承保选项可以帮助确定最具成本效益的解决方案。
额外的福利和保单功能 个人伞式保险保单可能会提供额外的福利和功能，例如全球承保、人身伤害索赔承保以及法律辩护费用承保。评估这些附加功能可以帮助选择正确的策略。