What insurance should I buy for aerial work, and what insurance should I buy for aerial work

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

It is based on the specific analysis of different groups of people, different ages, different family structures, and different physical health conditions

Growth stage (0-20 years old): critical illness insurance, medical insurance and accident insurance

How do I buy insurance for someone under 20 years old? Before college, it is not surprising that there is a little illness and pain in the body during the growth and development period of the body and the younger age of the disease, so it is excellent to have a medical insurance, and the bits and pieces of medical expenses can be reimbursed; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

Growth stage (20-30 years old): Critical illness insurance, accident insurance and medical insurance should be chosen

How do you buy insurance in your 20s? 20 years old 30 years old, is the stage of family pillar inheritance, at this time the body is young, the spirit is good, easy to ignore a lot of potential accident risks, once suffering from a critical illness will be a large financial burden, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the required premium is not high, short-term accident insurance is dozens of dollars a month, it can be considered, in line with this age group friends can see the senior sister beforeWhich insurance is most appropriate for people in their 20s to buy individually

You can take a look at this article.

For people in the age range of 30-50 years old, critical illness insurance, life insurance, accident insurance, and medical insurance are options to consider

How can people in their 30s buy reliable insurance? At this time, buying insurance is more for your family than yourself. The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; If the breadwinner of the family falls due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

However, people aged 45-50 do not need to buy critical illness insurance and life insurance, and at this time, the children are gradually becoming adults, and the family pressure is not so great. Friends who meet this age group can watch before the senior sisterHow can people in their 30s buy reliable insurance?

For how to avoid stepping on the pit and choose a suitable and reliable insurance, the key is to choose the right insurance product.

"What insurance should I buy for working at height?"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Buy from your insurance company.

How to buy insurance:

1. Bring your ID card to the insurance company to buy;

2. **Purchase:

1. Call the insurance company**;

2. Explain to the customer service the type of commercial insurance to be bought;

3. If you confirm the insurance, the customer service will let the person send the ** order to the designated place the next day, and sign and pay the money after confirming that the ** policy is correct, and the policy will be in my hands one day later.

Consider certain high-risk practitioner accident insurance, which will be relatively friendly to high-risk occupations in terms of coverage and occupational restrictions. 2. The occupation of critical illness insurance will also affect the insurance of critical illness insurance. Generally speaking, most critical illness insurance can only be purchased for categories 1-4 occupations, and if high-risk occupations are covered, there may be a limit on the sum insured or additional coverage.

3. Medical insuranceMedical insurance is relatively speaking, the requirements for occupations are not so high, generally speaking, most products can be insured for 1-4 types of occupations.

What insurance to buy for aerial work.

Hello, the recommended insurance for aerial work is: 1. Accident insuranceFor high-risk occupations, the scope of accident insurance options is not large. Consider certain high-risk practitioner accident insurance, which will be relatively friendly to high-risk occupations in terms of coverage and occupational restrictions.

2. The occupation of critical illness insurance will also affect the insurance of critical illness insurance. Generally speaking, most critical illness insurance can only be purchased for categories 1-4 occupations, and if high-risk occupations are covered, there may be a limit on the sum insured or additional coverage. 3. Medical insuranceMedical insurance is relatively speaking, the requirements for occupations are not so high, generally speaking, most products can be insured for 1-4 types of occupations.

Of course, it is most recommended to purchase personal accident insurance. At present, there are three types of insurance products for personal accidents of high-altitude workers: employer's liability insurance for high-altitude work, group accident insurance, and personal accident insurance for high-altitude work, especially group accident insurance.

Working at height is a high-risk occupation (category 4-6), and many accident insurance products refuse to cover occupations of category 4-6, in other words, there are not many products that people who work at height can insure. The insurance involving the accident of the aerial worker mainly includes the employer's liability insurance for aerial work, group accident insurance, and personal accident insurance for aerial work. Most of them are purchased under group accident insurance:

Aerial workers can apply for accident insurance, aerial work is a class of occupations, but the rate will be higher than that of office personnel, after all, the occupational risk of aerial work is higher. The rates will vary from company to company, so please contact your local insurance company for more information.

Further information: Personal accident insurance for working at height refers to the life insurance that pays the insurance benefits according to the agreement when the insured suffers bodily injury or disability or death due to an accident at height, usually including the payment of incapacitation of work, loss of hands and feet or blindness, death due to injury and medical expenses. There are many different types of high-altitude personal accident insurance to adapt to the different needs of the insured, some of which can be purchased separately, in addition to compensation for the death and disability of the insured, some accident insurance can also compensate for the cost of disability.

According to the provisions of the "Classification of Work at Height": "Any operation carried out at a height where there is a possibility of falling above 2m (including 2m) on the datum of the fall height is called work at height." "According to this provision, the scope of work at height in the construction industry is quite broad.

When working in a building, if the operation is carried out on a shelf of more than 2 meters, it is considered to be working at height.

Summary. Aerial work insurance can be purchased according to group accident insurance, and the occupational risk of aerial work is higher, so it is more appropriate to apply for group insurance when insured. Aerial work insurance, the specific insurance method is as follows:

1. The insured unit can go to the sales counter of the professional insurance company to purchase, fill in the insurance policy, and the insurance company will issue an insurance certificate after collecting the insurance premium, and the insurance will take effect. 2. The insured unit can also be insured, the consumer completes the insurance information and payment online, and the insurance company issues an electronic insurance certificate to the customer, and the insurance takes effect.

Hello, there are two ways to purchase work at height insurance. In the first way, you go directly to the offline outlets of the insurance company and carefully apply for insurance with your respectful personal certificate. For example, Ping An Insurance, Life Insurance, and Pacific Insurance all have aerial work insurance.

Aerial work insurance can be purchased according to group accident insurance, and the occupational risk of aerial work is higher, so it is more appropriate to apply for group insurance when insured. The specific insurance method of aerial work insurance is as follows: 1. The insured unit can go to the sales counter of the professional Luhuai Nian Insurance Company to purchase, fill in the insurance policy, and issue an insurance certificate after the insurance company collects the insurance premium, and the insurance takes effect.

Hello! It should not be possible for individuals to purchase card-fold accident insurance, and the risk level is too high; You can ask your company to buy group accident insurance for your employees! There is basically no way to protect aerial work through commercial insurance.

It is recommended that you buy social security through your employer, and the work-related injury insurance in it can help you. Only units can buy group insurance, aerial work, individuals do not accept to buy insurance cheats--- before applying for insurance, learn the four major problems of life and their solutions, 31-year-old Mr. Low Premium High Protection Plan Hello, aerial work, can only be applied to group insurance, individuals are not allowed to insure. In general, your employer should insure you with corresponding insurance, such as construction insurance; If the employer does not have one, you can ask the unit to handle it; Individual purchases, depending on your payment needs, may not be possible.

Hello! Insurance companies will generally refuse to insure.

1. Offline purchase: Go to the offline business outlets of the insurance company, or choose the appropriate insurance purchase through the offline ** person.

See below for the methodology. According to **, the understanding of insurance insurance by ordinary users is still limited to those that can often be seen or heard by individuals, such as accident insurance, medical insurance, work-related injury insurance, etc., in fact, there is a type of insurance called employer's liability insurance for enterprises, which is suitable for comprehensive premiums and is very practical. Generally speaking, workers can choose comprehensive accident insurance or short-term accident insurance when buying insurance, but they must understand the insurance terms before applying for insurance, because most accident insurance in the market does not cover aerial work; If the company buys insurance for workers, it can buy group accident insurance as a whole or employer's liability insurance.

Employer's liability insurance is relatively larger than group accident insurance, such as lost time expenses and legal costs, which are also within the scope of claims. There are not many types of insurance specifically for the field of aerial work, because there are many accidents and claims in high-risk and high-risk fields. Meibao Technology entered the market from the niche product of employer's liability insurance, starting with the installation and maintenance of air conditioners in Midea, Gree and Hisense, and gradually expanding to the logistics industry and the broader field of aerial work (such as steel structure, steel structure, exterior wall construction and cleaning, gas pipeline decoration, energy equipment installation and maintenance, etc.).

The premium is relatively cost-effective, with an insured amount of 1 million, corresponding to 1500 years for 4-5 occupations and 1800 years for 6 categories. There are five options of 300,000, 500,000, 800,000, 1 million, and 1.2 million for the insured amount, which can be bought on a monthly basis, which is very suitable for short- and medium-term construction projects. Meibao Aerial Work Employer's Liability InsuranceIn the field of employer's liability insurance, Meibao's market share is the largest, and most of the practitioners in the air-conditioning installation and maintenance industry should know Meibao Technology, or at least know the number of "Meibao Home Appliance Master".

It is worth mentioning that for the popularization of high-altitude work safety knowledge, Meibao has done a lot of research, visited manufacturers, visited outlets, and visited workers, and output a lot of good intellectual content.

Aerial work can be purchased in many insurance companies, individuals can also buy, in the online platform, that is, on the insurance online sales platform, there are also some individuals to buy, fill in their own identity information, as well as the type of work content on it.

Yes, you need to purchase accident insurance that includes working at height, so please pay attention.

Premiums are expensive, 5-6 times higher than regular premiums.

The amount of insurance is not high, and each insurance company can protect up to 30-400,000 yuan, because the risk is too high, and the insurance company is unwilling to take too much risk, but you can buy multiple insurance company products to achieve the purpose of purchase.