小米意外保险怎么用

Xiaomi Accident Insurance: How to Use It

在如今的数字化时代，手机已经成为我们生活中不可或缺的一部分。然而，意外总是难以避免，手机可能会因为各种意外情况而受损。为了给手机提供一份保障，小米推出了意外保险服务。那么，小米意外保险究竟怎么用呢？

In today's digital age, mobile phones have become an indispensable part of our lives. However, accidents are always hard to avoid, and mobile phones may be damaged due to various unexpected situations. To provide a guarantee for mobile phones, Xiaomi has launched accident insurance services. So, how exactly is the Xiaomi accident insurance used?

首先，如果手机因意外事故导致受损，须先致电保险客服电话进行报案。报案时请提供您本人信息，如身份证正反面复印件、联系电话、地址，以及投保手机的信息，包括品牌、机型、串号等。

First of all, if the mobile phone is damaged due to an accident, you must first call the insurance customer service phone to report the case. When reporting the case, please provide your personal information, such as a copy of the front and back of your ID card, contact number, address, and information about the insured mobile phone, including brand, model, and serial number.

在出险报案后，应在 15 天内将手机寄至指定维修中心签收。需要注意的是，如果发生逾期邮寄的情况，当次报案将会被关闭，这就需要重新报案，会比较麻烦。

After reporting the accident, the mobile phone should be sent to the designated repair center for receipt within 15 days. It should be noted that if the mail is overdue, the current report will be closed, and a new report will be required, which is rather troublesome.

另外，如果保险公司发现所投保的手机已经经过非官方授权维修店拆机，将会拒赔，且不退还保费。所以，在寄出维修之前，要先关闭云服务，并备份重要信息。

In addition, if the insurance company discovers that the insured mobile phone has been disassembled by an unauthorized repair shop, it will refuse to compensate and will not refund the premium. Therefore, before sending it for repair, you should first turn off the cloud service and back up important information.

小米意外保险的有效期也需要关注。比如小米 Note 意外保的有效期为 1 年，在此期间如果因为出问题而换新过一次，那么意外保自动终止；如果维修了多次使得维修费用超过了手机本身的价格，意外保也会终止。

The validity period of the Xiaomi accident insurance also needs attention. For example, the validity period of the Xiaomi Note accident insurance is 1 year. During this period, if a new one is replaced due to a problem once, the accident insurance will automatically terminate; if it has been repaired multiple times and the repair cost exceeds the price of the mobile phone itself, the accident insurance will also terminate.

小米意外保险针对由于意外坠落、挤压、碰撞或进液而导致的与意外保障服务绑定的数码产品发生的基本使用功能障碍提供保障。其范围覆盖交通、出行、运动、日常生活等方面发生的意外。

The Xiaomi accident insurance provides protection for basic functional disorders of digital products bound to the accident protection service caused by accidental falls, squeezes, collisions, or liquid ingress. Its scope covers accidents that occur in transportation, travel, sports, daily life, and other aspects.

总的来说，了解小米意外保险的使用规则和注意事项，能让我们在手机遭遇意外时更加从容应对，最大程度地减少损失。

In conclusion, understanding the usage rules and precautions of the Xiaomi accident insurance enables us to deal with unexpected situations of mobile phones more calmly and minimize losses to the greatest extent.