What is Disability Insurance?

Disability insurance means that according to relevant legislation, when workers who participate in social insurance in accordance with the law lose all or part of their working capacity due to injury and illness, and their economic income is affected, they will be provided with all or part of their medical and rehabilitation costs and subsidies for part of their economy. Income, thereby protecting their basic social insurance programs.

Disability insurance

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Disability insurance refers to the provision of all or part of medical care to workers who participate in social insurance in accordance with the law when their economic income is affected due to the loss of all or part of their working capacity due to injury or illness.

Disability insurance

The conditions for receiving disability benefits are usually determined through an assessment of disability (see Disability Assessment), based on the degree of disability. The degree of disability is generally expressed as a percentage. Most countries stipulate that the condition for receiving partial disability benefits is more than two-thirds of incapacity, and very few countries have reduced this standard to less than 1/2. Eligibility for full disability benefits is usually set at 100% of incapacity. Many countries also stipulate that those who are entitled to disability benefits must have a certain period of insurance premiums paid at the time of disability, or that employment and residence must reach a certain period. The standard for full disability benefits for all disabled persons with disabilities is equivalent in most countries

The historical evolution of disability insurance in 1889,

At about 8 pm on January 17, 1997, a university student Hu Mou returned to school from the city by bicycle. Suddenly, a CMB bus knocked him from the back and was taken to the hospital for rescue. According to the local traffic management department's ruling, the accident was caused by a breakdown of the brake system of the CMB bus, and the owner was fully responsible. The total medical expenses of Hu during his stay in the hospital totaled 4,500 yuan, and the owner of the car was fully responsible for it. Hu also suffered a slight disability due to the collision, and the car owner paid another disability subsidy of 20,000 yuan. Before the accident, Hu's school had insured all students in the school for accidental injury insurance and additional medical insurance. The accidental injury insurance was 5,000 yuan per person and the additional medical insurance was 3,000 yuan per person. After the car owner has paid the disability pension and all the medical expenses, will the insurance company still fulfill the obligation to pay the medical expenses and disability insurance? How to pay? why?

This insurance company has a compensation part, of which medical expenses are not paid, because this is a compensatory clause, that is, it only compensates your financial loss. However, due to Hu's mild disability, the insurance company must pay Hu's disability pension, but I think your accidental injury insurance amount is only 5,000, which is limited to 5,000 yuan, according to the national disability ratio, because disability is paid Sexual provisions, even if Hu has insured 10 insurance companies, as long as he has a disability caused by an insured accident, the 10 insurance companies have to pay Hu's disability insurance benefits, but to the insurance amount of each insurance company Humou's disability insurance benefits are paid in accordance with the national disability payout ratio.