What are Accidental Death Benefits?

Employee accident insurance refers to the company in order to pass on risks to the company's employees to insure accident insurance, employees due to accidental injuries caused by death, disability, medical expenses or temporary incapacity, the insurance company will pay the insurance conditions.

Employee accident insurance

Right!

Employee

Employee accident insurance is a type of accident insurance. It is an accident insurance purchased by an enterprise for employees and also belongs to accidental injury insurance. The insured person of the employee accident insurance is an employee, taking the body of the insured as the object of insurance, and taking the death, disability, medical expenses or temporary incapacity of the insured as a result of accidental injury as the condition of the payment Insurance. According to this definition, accident insurance coverage includes death benefits, disability benefits, medical benefits and stoppage benefits. The risk covered by accidental injury insurance is accidental injury. In general, accident insurance products of insurance companies define accidental injury as: external, sudden, unintended objective events are direct and separate causes of physical injury.

Example of payment amount

Accidental death, burns and disability insurance payment of 100,000 yuan

Double payment of 100,000 yuan for specific accidents

Medical compensation for accidental injury 10,000 yuan

50 yuan for daily hospitalization

RMB 50 per day for ICU

5,000 yuan compensation for hospital expenses

Surgery compensation of 5,000 yuan indicates that this is a package of accident insurance for an insurance company, of which:

Accidental death, burns and disability insurance benefits-main insurance, if accidentally dies, get full compensation of 100,000 yuan; if burns and disability, according to the severity of compensation

Double pay for specific accidents-supplementary insurance, which must be insured on the basis of main insurance. If the death or disability occurs accidentally under certain circumstances, the same amount will be paid on the basis of the main insurance benefit;

I. Consumers can purchase from the counter of a professional insurance company: fill out an insurance policy, the insurance company will issue the insurance certificate after receiving the insurance premium, and the insurance will take effect.

2. Consumers can also apply for insurance online, such as Ping An of China. Consumers fill out insurance application information and pay online. Electronic insurance vouchers issued by insurance companies are sent to customers via email or SMS, and insurance takes effect.

Third, consumers can contact qualified personal agents to purchase. Many consumers have insurance agents who serve them, and consumers can buy through this agent.

Fourth, you can also purchase through a qualified agency: Many insurance companies install the system terminal in the agency, after the customer provides the insurance information and delivers the insurance premium to the agency, the agency prints the insurance certificate to the consumer through the insurance company system. Take effect.

First of all, you should find an honest salesperson through formal channels. You can choose an insurance company with a good reputation, log in to the official website or directly call the company's customer service hotline to ask the other party to recommend an excellent salesperson for you. Also launched online insurance services for accident insurance, more convenient;

Secondly, fully communicate with the sales staff, tell him the destination of the trip, the time required, the mode of transportation, the number of participants and the age, and ask him / her to recommend a suitable insurance plan.

Judging from the price of accident insurance, there is not much difference between insurance companies. If a certain product is particularly cheap, you must ask the sales staff carefully about the scope of protection. Are there any restrictions on transportation and coverage? For example, certain travel accident insurance has special restrictions on the maximum amount of insurance and the age of insurance. For another example, many people think that they have bought accident insurance, they think they are guaranteed when they go out and start traveling. In fact, some products do not cover the place of residence.

Chapter I Insurance Object

Article 1. Employees of government agencies, groups, institutions, and public institutions who are in good health and can work or work normally can be regarded as the insured, and the unit where they belong can go through insurance formalities with the insurance company collectively (individuals can also apply for insurance).

Chapter II Duration of Insurance

Article 2 The insurance period is one year, starting at 00:00 on the insured date and ending at 24:00 on the expiration date. At the end of the term, another renewal procedure is required.

Chapter III Insurance Amount

Article 3 The minimum amount of insurance is 10 yuan and the maximum is 10,000 yuan. Within this limit, a unit selects an insurance amount.

Once the insurance amount is determined, it cannot be changed halfway.

Chapter IV Insurance Liability

Article 4 This insurance is regular accidental injury insurance. If the insured person dies or becomes disabled due to an accidental injury during the validity of the insurance policy, the insurance company shall pay all or part of the insurance amount in accordance with the following provisions.

1. In case of death due to accidental injury, the full amount of insurance shall be paid.

2. Permanent total blindness or permanent disability of both limbs due to accidental injury, or one-person accident insurance

In case of permanent complete blindness and permanent disability of one limb, the full amount of insurance shall be paid.

3 In case of accidental injury resulting in permanent blindness of one eye or permanent disability of one limb, half of the insurance amount shall be paid.

4 Accidental injury caused by injuries other than those in paragraphs 2 and 3 of this Article, resulting in permanent complete incapacity, physical function, or permanent loss of part of labor capacity, physical function shall be paid in full or in part according to the degree of loss.

Article 5 During the validity period of the insurance policy, the insurance company shall pay the insurance premium in accordance with the provisions of Article 4 regardless of one or consecutive accidents. However, the cumulative total of benefits cannot exceed the full amount of insurance. When the cumulative total of the payment amounts reaches the full insurance amount, the insurance effect will be terminated.

Chapter V Excluded Liabilities

Article 6 The insurer shall not be liable for payment of insurance benefits if the insured person dies, is disabled, or burns due to the following reasons:

(1) Intentional behavior of the policyholder;

(2) The insured person caused injury or suicide by himself, except that the insured person was a person with no capacity for civil conduct when he committed suicide;

(3) Fighting, being attacked or being murdered as a result of provocation or intentional behavior of the insured;

(4) pregnancy, miscarriage, childbirth, disease, drug allergy, heat stroke, sudden death of the insured;

(5) The insured person undergoes cosmetic surgery and other internal and surgical operations;

(6) The insured takes, administers, or injects drugs without authorization in accordance with the doctor's advice;

(7) Nuclear explosion, nuclear radiation or nuclear pollution;

(8) Terrorist attacks;

(9) The insured commits a crime or refuses to arrest;

(10) The insured person engages in high-risk sports or participates in professional or semi-professional sports.

Article 7 The insurer shall not be liable for the payment of insurance benefits if the insured suffers injuries resulting in death, disability or burns during the following periods:

(1) During a war, military operation, riot or armed rebellion;

(2) The period during which the insured is drunk or affected by drugs or controlled drugs;

(3) The period when the insured is driving under the influence of alcohol, driving without a valid driving license, or driving a motor vehicle without a valid driving license.

In the case of the above-mentioned Articles 6 and 7, if the insured person dies, the insurer shall terminate the insurance liability of the insured person, and shall calculate the refund of the unexpired net premium on a daily basis for the insured person.

Chapter 6 Insurance Rates

Article 8 The insured amount is the maximum limit of the insurer's liability to pay insurance benefits.

The amount of accidental injury insurance in this insurance contract shall be agreed upon by the policyholder and the insurer, and shall be stated in the insurance policy. The insured should pay the insurance premium to the insurer according to the contract.

Chapter VII Insurance Procedures and Payment of Insurance Premiums

Article 9 When applying for insurance, the insured unit shall fill in an insurance policy and a list of all insured persons in triplicate, and issue an insurance policy after the insurance company has approved the underwriting.

Article 10 When applying for insurance, the insured may designate a beneficiary. If no beneficiary is specified, the legal heir shall be the beneficiary.

Article 11 During the validity period of the insurance policy, if the insured unit needs to be insured or surrendered due to personnel changes, or the beneficiary is changed due to the insured's request, the change notification shall be completed in triplicate and sent to the insurance company for issue Approval note as an attachment to the insurance policy.

If the insured leaves the company midway, regardless of whether he has gone through the approval procedures, he will lose the insurance effect from the date of leaving the company. The insurance company shall refund the unpaid insurance premiums paid.

Article 12 The insured unit shall pay the insurance premium once on the insurance starting date, and may pay in installments with special agreement. After the insurance company receives the insurance premium, the insurance policy comes into effect.

If the payment is made in installments, the insurance policy will be invalidated if it cannot be delivered within the agreed period.

Chapter VIII Application and Payment of Insurance Benefits

Article 13 In the event of death or disability within the scope of insurance liability during the validity period of the insurance policy, the insured or its beneficiary shall apply to the insurance company for payment of insurance premiums through the insurance unit and provide the following documents:

1. Certificate of insurance and certificate of insurance unit;

2. When the insured person dies, a death certificate shall be provided;

3 When the insured is disabled due to an accident or injury, a certificate of the disability issued by the treating hospital shall be provided.

After receiving the application, the insurance company shall, after investigation and verification, pay the insurance money in accordance with regulations. If no application is filed after two full years from the date of the accident, it will be an automatic waiver of rights.