Very short-term personal accident insurance often has a protection period of only a few days or even one day. The personal accident insurance for road passengers, accommodation passengers, tourism accident insurance, cableway tourists, swimming pool tourists and large electric toy tourists are all very short-term personal accident insurance.
One year personal accident insurance, most of the insurance coverage period is one year. At present, the group personal accident insurance, vehicle accident insurance, student infant insurance, additional personal accident medical insurance and so on run in China are all one-year personal accident insurance. In case of group insurance, if the insured leaves his/her job during the insurance period, the insurance contract will lose its effect on him/her from the date of leaving his/her job, and the insurer will return the undue premium.
The guarantee period of multi-year personal accident insurance is more than one year but basically not more than five years. At present, there are not many multi-year accident insurance products in China, so most people buy accident insurance products for one year, and there are friends who buy short-term accident insurance for special travel situations.