What is accident insurance in the company and how to report it? 5

It can be reimbursed at the same time, but the total reimbursement cost cannot exceed the total cost of your medical treatment. Generally, a person can apply for three reimbursements, all of which can be superimposed, regarding the reimbursement of accident insurance.

Accident insurance is very cheap, and you can buy hundreds of thousands of insurance for hundreds of yuan, so how to choose?

1. Reimbursement process:

1.Report: When the insured has an accident, the insurance company should be notified within three days, and the insurance company will immediately start the claim procedure after receiving the report from the insured.

2.Prepare claim materials: When the insured needs to make a claim due to accidental injury, he must prepare all the claim materials, such as medical diagnosis certificate, original receipts and prescriptions for medical expenses, accidental injury certificate issued by relevant departments, and a copy of his ID card or household registration certificate.

4.Claim payment: After receiving the notice of receiving the insurance money, the insured can go to the insurance company to receive compensation with his ID card and household registration certificate.

2. Materials required for reimbursement:

1) In the event of outpatient **, it is necessary to provide: diagnosis certificate or outpatient medical record, invoice and copy of diagnosis and treatment fee, payment voucher or division sheet, medication prescription, auxiliary examination report; Materials to determine the nature of the accident (e.g., traffic accident needs to provide a traffic liability certificate or mediation letter, etc.).

2) In case of hospitalization, it is necessary to provide: discharge certificate, settlement invoice, list and its copy, hospitalization medical records, and materials to determine the nature of the accident (such as: traffic liability determination or mediation letter).

The accident insurance purchased by the company generally includes three coverages: accidental medical treatment, accidental disability and accidental death.

1. Accidental medical treatment, when the insured suffers medical expenses due to accidental injury, the insurance company shall pay medical insurance in accordance with the contract. Medical insurance premiums are generally reimbursed according to the actual expenses and the amount and proportion agreed in the contract, and the reimbursement will not exceed the actual expenses in accordance with the principle of compensation.

2. Accidental disability, when the insured is disabled due to accidental injury, the insurance company shall pay disability insurance benefits in accordance with the contract. Disability insurance benefits are generally subject to disability appraisal first, and then claims are made proportionally according to the level of disability. In general, if the disability insurance benefit is paid, the amount of the death insurance benefit will be deducted in the same proportion.

3. In the event of accidental death, when the insured suffers death due to accidental injury, the insurance company shall pay the death insurance benefit in accordance with the contract, and the death benefit for the claim shall be based on the insured amount of the contract.

In the event of an insured event, reimbursement can be made according to the following process:

1.If the insured employee unfortunately suffers an insured accident as agreed in the contract, the employee or the company where he or she works shall report the accident to the insurance company in a timely manner;

2.With the assistance of the insurance company, the employee or the company must prepare the information required to apply for a claim, which generally includes the insured's ID card, hospital diagnosis certificate, accident certificate, medical expense list, etc., and if the insured dies, the death certificate and other materials are also required;

3.Submit the information for claim application, and after passing the review, the insurance company can reimburse or settle the claim.

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There are three processes: reporting, preparing materials, reviewing and settling claims.

1.If the insured employee unfortunately suffers an insured accident as agreed in the contract, the employee or the company to which he or she works shall report the accident to the insurance company in a timely manner;

2.With the assistance of the insurance company, the employee or the company where he or she works prepares the necessary documents to file a claim, usually including the ID card of the insured.

Hospital diagnosis certificate, accident certificate, medical bill, etc., and death certificate in the event of the death of the insured.

and other materials; 3.After submitting a claim for a claim, the insurance company can reimburse or settle a claim after passing the review.

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Accident insurance is a life insurance that pays out benefits based on death or disability caused by accidental injury.

There are three types of accident insurance reimbursement: outpatient, inpatient medical and surgical expenses. In addition to the ID card (or household registration certificate) of the insured person and the original insurance policy, the following information should be provided according to the type of reimbursement.

Accidental medical treatment (outpatient): original outpatient manual, original receipt of medical expenses, detailed list of medical expenses, accident certificate;

Accidental medical treatment (hospitalization): original outpatient manual, discharge summary, original receipt of medical expenses, detailed list of medical expenses, accident certificate;

Accidental medical treatment (surgery): original outpatient manual, discharge summary, original receipt of medical expenses, detailed list of medical expenses, surgical certificate, accident certificate.

Accident Insurance Claim Process:

1. After accidental injury or hospitalization, you should call the customer service of the insurance company in time to understand the documents that need to be prepared, so that the insurance company can quickly settle the claim, and you need to report to the insurance company within 3 days.

2. The procedures required for the insured to handle the claim due to accidental injury (hospitalization medical insurance shall be hospitalized in a hospital of the second level (including the second level) or above recognized by the insurance company):

1) Medical diagnosis certificate;

2) Certificate of accidental injury issued by the relevant department;

3) Original receipts and prescriptions for medical expenses;

4) A copy of your ID card or household registration certificate.

3. The insurance company will make a notice of closure within 7 days when all the documents are complete, and the insured or beneficiary can go to the insurance company to receive compensation with his ID card and household registration certificate after receiving the notice.

For the accident insurance paid in the company, it can only be reimbursed when there is an accident, and if you work in a factory and have an accident with corn, resulting in a work-related injury, then the accident insurance can be reimbursed.

Summary. Hello dear, happy to answer your <>

Individuals have bought accident insurance, the company has also bought accident insurance, the company can report the company first, the accident insurance does not conflict, you buy multiple accident insurance and the accident insurance purchased in different companies can apply for claims. As long as the sum insured does not exceed the upper limit, it is possible to insure about accident insurance at the same time.

1. Accident insurance and other life insurance products can be purchased in multiple copies. In the event of an accident as agreed in the contract, the insurance company will compensate according to the protection liability of the contract.

I personally bought accident insurance, and the company also bought accident insurance, whether to report to the company or the individual first.

Hello dear, happy to answer your <>

Individuals bought accident insurance, the company also bought accident insurance, first report to the company and first report the rest of the sale of individuals can Oh, accident insurance does not conflict, you buy multiple accident hand insurance and accident insurance purchased in different companies can apply for claims. As long as the sum insured does not exceed the upper limit, it is necessary to insure at the same time as accident insurance.

1. Accident insurance and other life insurance products can be purchased in multiple copies. In the event of an accident as agreed in the contract, the insurance company will compensate according to the protection liability of the contract.

Relatives can be reimbursed at the same time, first to the company for reimbursement, and then report the size of the big skin to another family, general invoices, sick records, expense lists, diagnosis and other claim information need to be copied, claims need to be reported by two companies, and so on the first claim settlement, and then apply to the second company for claims, hospitalization ** can only reimburse the expenses within the scope of the social security imitation directory, and the cost of the items in the social security directory needs to be borne by yourself.

1. When an employee encounters an accident involving an accidental injury to the family, the employee or the company where he or she works shall report to the insurance company within three days and understand the required documents;

2. When the employee or the company applies for compensation to the insurance company, it is generally necessary to provide the insured's ID card certificate, medical diagnosis certificate, accident certificate, claim application, medical expense receipt voucher and other materials;

3. The insurance company will review the materials, and after passing the materials, the employee or the unit to which he or she belongs will receive the compensation of Zhaoshen.

The above is the reimbursement method after the company pays the accident insurance.

1. Short-term: The term of accident insurance is generally relatively short, with a few days, months or a year, for example, passenger accident insurance is generally limited to this journey;

2. Flexibility: The insured amount of accident insurance is negotiated by both parties who sign the agreement, the scope of liability of insurance is also relatively flexible, and the scope of insurance is also very wide;

3. The premium is relatively low: the premium of accident insurance is generally low, because the premium of this insurance has no savings and return function.