“近几个月，意外险的销售量明显增加，一是由于夏秋季节，旅游出行的人较多，所以旅游意外险销量增多。二是由于意外险比其他险种价格便宜，而且有各种购买周期，可以让消费者自己挑选。”一家保险负责人告诉记者，目前意外险根据保额的高低，年缴保费从几十元到几百元不等。其中，最便宜的当属周期为一周的短期意外险种，保费才几元。

"In recent months,Accident insurance sales increased significantly,One is due to the summer and autumn,Tourism travel more people,So travel accident insurance sales increase.The second is due to the casualty insurance than other cheap price,And there are all kinds of the buying cycle,Can let the consumer choose their own."An insurance person in charge told reporters,According to the amount of high and low at present casualty,Year pay insurance cost from dozens of yuan to several hundred dollars.the,The cheapest, when is the cycle for the week of short-term accident insurance,Premium in only a few yuan.

　　而记者采访了解到，虽然意外险保费便宜，但很多消费者由于“不放心”会在多家保险公司购买多份意外险。一位市民告诉记者：“一份意外险保额太低，多买几份就可以获得更多倍的赔偿。”但保险业内专家提醒市民：根据《保险法》规定，保险理赔金不能作为额外收入。也就是说，如果某投保者在三家保险公司同时投了意外险，此后发生意外理赔金定为3万元，那么三家保险公司将各出1万元进行赔偿，而并非各出3万。因此，市民在购买意外险产品时并非买的越多，获得的赔付越多。

But reporter interviews to understand,Although accident insurance premium cheap,But because a lot of consumer"Don't trust"Many insurance companies will buy a lot of casualty.A resident told reporters:"A casualty insurance coverage is too low,Buy more than a few copies can get more times compensation."But the insurance industry in the expert warns a citizen:According to[Insurance law]provisions,Insurance claims can be used as the extra income.That is,If a cases in three insurance companies also threw casualty,Since then the accident claims at 30000 yuan,Then three the insurance company will compensate the 10000 yuan,Not all out 30000.therefore,The public in to buy insurance products is not buy more,Get the more pay.