How much is employee accident insurance per year, and how much is personal accident insurance for ge

Accident insurance is one of the life insurance businesses, which is a life insurance that takes the death or disability of the insured due to accidental injury as the condition for the payment of insurance benefits. Different insurance companies and different types of accident insurance** are different, with premiums ranging from 100 yuan to 1,000 yuan per year, and the sum insured ranging from 100,000 to 1 million yuan. In general, the higher the protection, the more expensive the premium will be, depending on how much compensation you want for accident insurance, you can combine your own needs and family financial situation to consider comprehensively, choose an accident insurance that suits you.

How to buy personal accident insurance?

1. Look at the coverage of accident insurance.

An accident insurance generally covers accidental death, disability liability and injury medical liability, and customers can also add accidental hospitalization and lost work allowance, hospitalization care allowance, ambulance expenses, etc. according to their needs.

Recommendation: Comprehensive accident insurance is preferred for the first accident insurance.

We recommend choosing an accident insurance that includes the first four insurance coverages above, or adding accidental hospitalization and loss of work allowance, hospitalization care allowance insurance liability, which will not increase the premium much, but it can solve many problems. The first thing to do is to see the scope of coverage, and it is recommended to buy the first accident insurance that includes the above insurance responsibilities.

2. Look at the deductible and reimbursement ratio.

Accidental death and disability liability is paid according to the level of injury, there is no deductible, and the general deductible for accidental injury medical treatment is 100 yuan, which is higher than this standard and can choose the accident insurance of other insurance companies for reference.

3. Restrictions on the duration of insurance and the hospital you visit.

Customers should carefully read the terms and conditions of the insurance, pay attention to the length of the insurance period, whether there are restrictions on the hospital and whether it can be reimbursed for outpatient services, etc., in addition, it is also necessary to understand the liability exemption, insurance period, claim procedures, whether there are restrictions on the hospital to be visited, etc. For people with a high occupational risk factor, the insurance company will increase the fee or refuse to insure.

4. Personal needs and the nature of the work.

After the comprehensive accident insurance, you can add accident protection according to your needs or the nature of your work, such as traffic accident insurance, travel accident insurance, and private car accident insurance. The first two types are more common, private car accident insurance is a travel protection provided by the insured to travel in or drive a private car.

How much does accident insurance cost per year?

It depends on whether it is a long-term payment accident or a one-year accident, whether it is a consumption type or a return type, and what is the amount of insurance. If it is a one-year consumption type, the insurance amount is 100,000 yuan, and the medical treatment is 10,000 yuan, and the cheapest one can be purchased for 60 yuan.

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Hello. If it is an accident insurance purchased by the enterprise for its employees, it generally ranges from hundreds to thousands of yuan. The exact amount depends on the circumstances. Let's talk about it in detail, interested friends can get to know each other together.

1. What are the benefits of having enough personal accident insurance for employees?

If an enterprise wants to purchase accident insurance for its employees, it is generally purchased in the form of a team, which refers to team accident insurance. The coverage of this insurance and its compensation method are the same as the personal accident insurance we buy on a daily basis. It's just that this is a simple benefit that belongs to the company to employees.

Because when an employee has an unfortunate accident and is injured accidentally, they can get the corresponding compensation, in fact, the burden on the enterprise is reduced, and the personal safety and burden of the employee are also reduced. Therefore, it is still necessary to purchase this type of insurance.

2. How much is the employee's personal accident insurance per year?

The cost of this kind of insurance is usually relatively cheap, some are only 100 yuan, and some need about 1,000 yuan, so the specific amount of this insurance needs to be decided according to many factors, such as the occupation of the insured, and the number of insureds, as well as what is the specific coverage of the insured......Wait a minute. Depending on the situation, the final insurance cost will be different. Therefore, it is difficult to have a fixed statement on this, and it needs to be determined according to our actual situation.

3. What should I pay attention to when purchasing employee accident insurance?

When we need to purchase personal accident insurance for the employees of the company, we need to purchase it through formal channels, and we need to have in-depth communication with the personnel of the specific insurance company to understand what the specific coverage is. Don't sign a contract in a daze, otherwise if there is a dispute in the later stage, it will not be good. In addition, if we want to buy accident insurance for employees, we also need to discuss with employees how much premium to choose, after all, the more dangerous the occupation that employees are engaged in, the higher the premium.

How much accident insurance costs a year depends on the product you insure and the amount insured, for example, there are three levels of comprehensive accident insurance:

1.$49 per year for basic class, $100,000 for accidental death;

2.The premium version is $238 per year, and the accidental death benefit is $500,000;

3.The platinum version is $599 per year, and the accidental death benefit is $1,000,000.

And even if it is an accident insurance with the same level of protection, different products** are different, such as:

1.Shanghai Life Little Bee Accident Insurance, 500,000 yuan insurance amount needs 125 yuan;

2.Xiaomi comprehensive accident insurance, the same 500,000 insurance amount** is 169 yuan.

Of course, different means that the coverage is also different, not necessarily expensive is the most suitable, and the high amount of insurance is not necessarily the best.

However, from the perspective of the mainstream products on the market, the accident insurance with an insurance amount of 500,000 yuan basically does not exceed 200 yuan per year, and the accident insurance with an insurance amount of 1 million yuan does not exceed 400 yuan.

1. How much is personal accident insurance.

Generally, 100 yuan can buy the insurance amount ranging from 5-100,000 yuan. It may vary a little from company to company. Many of them are also attached to accidental medical treatment, transportation accidents, etc., so it will be slightly more expensive. If the economy allows, it is best to buy more than 500,000 yuan for accident insurance.

2. Provisions on personal accident insurance.

Personal accident insurance, also known as accident insurance, is also known as personal accident insurance. It refers to an insurance in which the policyholder pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury during the insurance period and dies or becomes disabled as a direct cause, the insurance company pays a certain amount of insurance money to the insurer or beneficiary in accordance with the insurance contract. It is short-term, flexible and has low premiums.

Accident insurance covers death, disability, medical and work stoppage. It should be noted that the accidental injury referred to here must be the injury of the human body, the person.

In personal accident insurance, the risk covered is accidental injury. Generally, the insurance company's accident insurance product defines accidental injury as "injury to the body caused by an external, sudden, and unintentional objective event as a direct and independent cause".

If the insured suffers an unintentional, external, or sudden accident during the validity period of the insurance, resulting in physical injury and death, the insurance company shall pay the insurance money in accordance with the provisions of the insurance contract.

Accidental injuries must meet the following requirements:

1. Caused by external factors refers to accidents caused by external reasons of the insured's body, such as car accidents, attacks by gangsters, drowning, food poisoning, etc.

2. Sudden refers to an accident caused in an instant, without a long process, such as falling into the water, electric shock, falling, etc. Occupational diseases, on the other hand, are caused by injuries that are gradually formed and can be foreseen and prevented, so they are not accidents.

3. Accidents refer to accidents that the insured did not expect and did not intended, such as aircraft crashes, etc., and some accidents that can be foreseen or avoided but cannot be avoided due to irresistibility or performance of duties, should also be included in the scope of "accidents", such as the ship caught fire and was forced to jump into the sea to escape, and was injured in the fight with gangsters.

4. Non-disease, the injury caused by the disease, although it is not expected by the person in advance, but it is the result of the human body itself, and it is not an accident. If you have a cerebral hemorrhage and are unconscious.

5. If the body is injured, the object of the accidental injury must be the part of the insured's body, and the fact of injury is established (for example, although the electric shock does not hurt the body, the fact of injury is not established).

How about accident insurance and claim claims? It's better to find one and that, and it's better to find one and find a company to ask.

100 yuan, small companies are like this. It's impossible to buy you that much, unless you're in a dangerous industry.

The personal accident insurance of the average employee is only a few hundred yuan, of course, the cost of the accident insurance is also determined according to the age of the employee and the danger of the work he is engaged in.

The establishment of personal accident insurance contains at least three conditions: 1. There is an objective accident, and it is unpredictable, uncontrollable, and not intended by the victim; 2. The injury to the body or life of the insured is objective and visible; 3. The accident is within the scope of the insurance contract and is the direct cause or proximate cause of injury to the body or life of the insured.

This insurance is term accident insurance. If the insured dies or becomes disabled due to an accidental injury during the validity period of the insurance policy, the insurance company shall pay all or part of the insured amount in accordance with the following paragraphs.

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

2. If you are permanently and completely blind in both eyes or permanently and completely disabled in both limbs due to accidental injury, or if you are permanently and completely blind in one eye and permanently complete disabled in one limb at the same time, the insurance amount shall be paid in full.

3. If one eye is permanently and completely blind or one limb is permanently and completely disabled due to accidental injury, half of the insurance amount shall be paid.

4. This article is caused by accidental injury.

In the event of permanent and complete loss of working capacity or bodily function, or permanent partial loss of working ability or bodily function, the insured amount shall be paid in whole or in part according to the degree of loss.

Personal accident insurance is generally about dozens of dollars, if you are older, it will be about a few hundred yuan, and the cost of each insurance company is different, but personal accident insurance is not expensive.

Generally speaking, it is about 1,000 yuan to 1 million, and the insurance amount of accident insurance is formulated according to your type of work, and it is also related to the cost you pay.

Summary. Employee accident insurance: The insurance company pays the insurance money in accordance with the contract for the death, disability and medical expenses caused by the accidental injury of the employee, which is also an accident injury insurance.

There are many types of employee accident insurance on the market, ** is not uniform, so it needs to be combined with specific insurance products to know that the general employee accident insurance ** ranges from 100 yuan.

1. Accident medical insurance must be added on the basis of personal accident insurance, with the minimum insurance amount of 30,000 yuan and the maximum insurance amount of 200,000 yuan. The minimum insured amount of the additional insurance is 10,000 yuan, and the maximum insured amount does not exceed the insured amount of the main insurance.

2. Nowadays, the premium of one-year traffic accident insurance is 100 to 150 yuan, and the insurance amount is almost 700,000 to 1 million yuan. Traffic accident insurance has a one-year term, but it is more likely to be a short-term protection product that is valid for 7 to 15 days.

3. The usual 10-day travel accident insurance premium is almost 10 to 20 yuan, the insurance amount is about 100,000 yuan, and the 20-day premium is almost 250 yuan of insurance, and the insurance amount is almost 2 million.

4. The one-year term of comprehensive accident insurance is about 500 yuan, and the maximum insurance amount is 2 million yuan.

How much is employee accident insurance per year.

Hello dear! 100-200 yuan.

Employee accident insurance: The insurance company pays the insurance money in accordance with the contract for the death, disability and medical expenses caused by the accidental injury of the employee, which is also an accident injury insurance. There are many types of employee accident insurance on the market, ** is not uniform, so it needs to be combined with specific insurance products to know that the general employee accident insurance ** ranges from 100 yuan.

1. Accident medical insurance must be added on the basis of personal accident insurance, with the minimum insurance amount of 30,000 yuan and the maximum insurance amount of 200,000 yuan. The minimum insured amount of the additional insurance is 10,000 yuan, and the maximum insured amount does not exceed the insured amount of the main insurance. 2. Nowadays, the premium of one-year traffic accident insurance is 100 to 150 yuan, and the insurance amount is almost 700,000 to 1 million yuan. Traffic accident insurance has a one-year term, but it is more likely to be a short-term protection product that is valid for 7 to 15 days.

3. The usual 10-day travel accident insurance premium is almost 10 to 20 yuan, the insurance amount is about 100,000 yuan, and the 20-day premium is almost 250 yuan of insurance, and the insurance amount is almost 2 million. 4. The one-year term of comprehensive accident insurance is about 500 yuan, and the maximum insurance amount is 2 million yuan.