How to report the school liability insurance and how to settle the school liability insurance?

School Liability Insurance Claims Process.

After the completion of the accident, the following materials shall be provided and submitted to the Municipal Education Risk Management Office after being reviewed by the Safety Supervision Department of the Education and Sports Bureau

1. Certificate of student status of the student in danger.

2. Notice of Insurance Payment.

3. Medical certificate provided by the hospital.

4. Bills for medical expenses, transportation expenses and other related expenses.

5. Transfer Authorization Letter.

6. If the disability appraisal is carried out, the disability appraisal certificate, the qualification certificate of the appraisal department, and the qualification certificate of the appraisal physician shall be provided.

7. In case of death, the medical certificate of death, forensic medical appraisal and certificate of household registration cancellation shall be provided.

8. If there is any loss of work, the following materials shall be provided:

1) If the accompanying parent has a work unit, it is necessary to provide the salary slip of the current month and the first three months, if the salary exceeds the tax standard of Qingdao City, the tax payment certificate issued by the tax department shall be paid according to the actual reduction amount in the salary slip. In addition, a copy of the index copy of the household registration booklet, the accompanying parents and the student in danger should be provided.

2) If the accompanying parent does not have a job, the compensation shall be paid according to the standard of nursing expenses.

9. To declare nursing expenses, you need to provide a copy of the household registration booklet, a single page of accompanying parents and students who are out of danger, and compensation will be given according to the labor remuneration of the local market caregivers.

10. Food subsidy.

11. Fill in the "Life Insurance Payment List".

12. Fill in the "Property Insurance Compensation Agreement".

13. If a court judgment or arbitration award is made, there shall be an effective legal "court judgment", "civil mediation document" or "arbitration document". For cases that require mediation, arbitration, or judgment resolution, the school shall notify the Risk Office in advance.

Note: 1. If the student needs to make a claim for the student insurance, the school is requested to provide the original and photocopy of the outpatient medical records, inpatient medical records, drug bills, inspection reports and other materials to facilitate the parents to make a claim for the student insurance. If the claim has been settled, you need to provide the receipt of the compensation of the student's insurance, the details of the exclusion, the copy of the outpatient medical record, the copy of the inpatient medical record, the copy of the drug bill, and the copy of the inspection report, and submit it together with the remaining original expense bills.

2. In special accident cases, if it is necessary to increase the materials to be submitted, it will be notified separately according to the situation.

Compensation Processing.

The compensation treatment of campus liability insurance is based on the provisions of the clause, and the compensation shall be calculated within the compensation limit stipulated in the insurance policy based on the amount that shall be reimbursed by the court or the relevant departments according to law or determined by the two parties and the insurer through negotiation.

When confirming an accident within the scope of insurance liability, the insurer shall negotiate with the insured in a timely manner. In the event that an agreement cannot be reached or the disagreement is large, it should be resolved through law, and the court judgment shall be the final basis for the insurer's compensation.

If the school's liability insurance is a claim, it should be paid according to the scope.

The school organized students to participate in educational and teaching activities or extracurricular activities, and failed to conduct necessary safety education for students in accordance with regulations, and did not take necessary safety measures within the scope of encounter.

Teachers or other staff members of the school suffer from illnesses that make them unfit for teaching, but the school has not taken the necessary measures.

Schools violate relevant provisions by organizing or arranging for minor students to engage in labor, sports, or other activities that are inappropriate for minors to participate in.

The school knows or should know that the student has a special constitution or a specific disease and is not suitable to participate in certain teaching activities, but does not pay the necessary attention.

Insurance Liability:

In the course of students' school activities or activities organized and arranged by the school (school activities include physical education classes, experimental classes, recess exercises, extracurricular activities, spring outings, etc.), the school shall be directly liable for financial compensation due to the school's non-subjective negligence resulting in personal injury and property loss of the registered student. The insurance company is responsible for the compensation:

1) The school's school buildings, grounds, and other public facilities, as well as the learning tools, education, teaching, and living facilities and equipment provided to students for use, do not meet the standards prescribed by the state.

2) The school's safety management systems such as safety and security, fire protection, and facilities and equipment management are negligent, or the management is chaotic, and there are potential safety hazards, and measures are not taken in a timely manner.

3) The medicines, food, drinking water, toys, stationery or other items provided by the school to students do not meet the health and safety standards of the state, industry and the city where the school is located.

The object of the school's liability insurance claim is the school, which means that if the school comes forward to make a claim, you do not need to dredge up the relationship yourself. However, the school's liability insurance is only responsible for the school, and it is difficult to determine whether your situation is attributable to the school or an accident, so I can't give a clear answer as to whether you can make a claim. If you believe that the school has caused your fall to be injured, you can claim compensation from the school.

Personally, I recommend that you consult with your teachers and parents and ask them if you have purchased student insurance at that time, which will be paid to you.

Question: Can I ask for the terms of the school's liability insurance for the settlement of the school's liability payment? How much can I pay if I fall down on two front teeth due to a fall on a rainy water in a school hallway?

According to the School Liability Insurance Clause (a newer version), the terms of the scope of indemnity are as follows:

Article 17 The scope of compensation of this insurance is limited to the direct actual economic losses that the insured shall be responsible for compensating students in accordance with the law, including medical expenses, hospital meal subsidies, guardians' lost work expenses, nursing expenses, disability equipment expenses, funeral expenses, death compensation expenses, transportation expenses, etc.

This clause is not very clear, but the subject matter of liability insurance is civil liability, and its compensation standard is applicable to the compensation standard for personal injury in civil law. Refer to the "Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases" and other laws and regulations.

Question: If we break our front teeth, we should communicate with the school about the compensation and sue for compensation, thank you.

Answer: Negotiate with the school first, if the school does not purchase this insurance, you can sue, under normal circumstances, the school will ask the insurance company to pay for the claim, unless the school has not paid the school accident liability insurance.

Asked if the child broke his front teeth when he was eight years old, the doctor suggested that he could only do porcelain teeth at the age of 18, and it was a big cost to make porcelain teeth, and generally made porcelain teeth between several thousand and ten thousand yuan, and the porcelain teeth would have to be replaced for about ten years, so how much can the school liability insurance pay.

Because the insurance company has to make an assessment before making a claim, this is more complicated and requires specific negotiation.

Directly call your family members to the school to make trouble, and then ask them to go to the insurance company to make a claim, but the school has passed, and the insurance company may still have a pass, because your matter has not just happened, it may have exceeded the statute of limitations, and this level needs to be negotiated by the insurance company. It may work, it may not work.

After all, the school is insured, and losing money is not paying him, so it doesn't matter if you say it well. Mainly from the insurance company, they can lose one point less. That's all I can say.

In the event of a campus accident, the school liability insurance claim process is roughly as follows:

1) The school should call the insurance company within 24 hours of the accident to report the accident, and then call the General Education Section of the Education Bureau to report the accident**.

2) After the completion of the accident, prepare relevant materials and submit them to the municipal education risk management after being reviewed by the Safety Supervision Department of the Education and Sports Bureau.

office, the relevant materials are as follows: proof of student status of the student in danger; Notice of Payment of Insurance Benefits; Medical certificate from the hospital where the patient was treated; Bills for medical expenses, transportation expenses and other related expenses; Transfer Authorization Form; If a disability assessment is performed.

The disability certificate, the qualification certificate of the appraisal department, and the qualification certificate of the brother of the appraisal physician must be provided; In the event of death, a medical certificate of death, a forensic medical certificate, and a certificate of cancellation of household registration are required.

1. The school liability insurance is compensated by the school as the insured, and the accident and property loss of the student caused by the school's negligence will be compensated by the insurance company. The school is the beneficiary and is a kind of liability insurance. It is of great significance for schools to purchase school liability insurance to actively prevent and properly handle student accidents, protect the legitimate rights and interests of students and schools, and maintain normal education and teaching order.

Extended Information:1School Liability Insurance Coverage:

1) Medical expenses are based on the ** fee issued by the medical institution.

Examination fees, ** fees, surgery fees, medical fees, hospitalization fees, material fees, etc.;

2) The food subsidy for hospitalization shall be determined in accordance with the standard of food subsidy for general staff of local state agencies. Hospitalization meal allowance = number of days of hospitalization Amount of food allowance per day;

3) The nutrition fee is subject to the doctor's prescription, which refers to the cost incurred in purchasing nutritional products for the purpose of promoting the recovery of the injured according to the doctor's requirements;

4) Guardian compensation for lost work.

Lost time pay refers to the loss of lost work suffered by a single guardian as a result of caring for a student. The lost time is calculated based on the official leave note issued by the medical institution, the leave period recommended by the doctor, and the certificate of lost work issued by the guardian's work unit.

5) Nursing fees.

If the injured person is unable to take care of himself during or after ** and needs to be cared for by a special person, he shall be compensated for the nursing expenses, but a certificate issued by a medical institution that he or she needs special care shall be provided.

The school's liability insurance is paid to the individual. School liability insurance is a kind of insurance, which is compensated by the insurance company for the accident and property damage caused by the school's negligence. The school is the beneficiary and is a kind of liability insurance.

Students' ability to protect themselves is limited, and potential safety hazards are difficult to eliminate, especially the complex social security situation has brought potential threats to the safety of education and teaching. Safety accidents occur in schools and students from time to time, affecting the normal order of education and teaching and social stability. It is of great significance to carry out school liability insurance to actively prevent and properly handle student accidents, protect the legitimate rights and interests of students and schools, and maintain the normal order of education and teaching.

All educational institutions that have obtained legal qualifications, including primary and secondary schools, kindergartens and colleges and universities, can be used as insureds.

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Summary. Hello The school liability insurance is a one-year insurance product, with an annual premium ranging from 5 yuan to 20 yuan per person. Pacific School Liability Insurance, the compensation limit for each student in an accident is 400,000 yuan, the compensation limit for each accident is 5 million yuan, and the cumulative compensation limit for each school is 10 million yuan per year.

Hello School Liability Insurance is a one-year insurance product, and the annual premium of Qiao Chong Tsai ranges from 5 yuan to 20 yuan per person. Pacific School Liability Insurance, the compensation limit for each student accident is 400,000 yuan, the compensation limit for each accident is 5 million yuan, and the annual cumulative compensation limit for each school is 10 million yuan.

The annual personal injury claim limit per person is 300,000 yuan, the compensation limit for each school is 1.5 million yuan per accident, and the cumulative annual claim limit for each school is 4.5 million.

The coverage of the school's liability insurance is as follows:

1. The school's liability insurance covers medical expenses, hospital meal subsidies, guardians' lost work expenses, nutrition expenses, nursing expenses, transportation expenses, disability, death compensation, funeral expenses, etc. If a student falls to the ground and breaks a bone during a physical education class at school due to the old equipment doing pull-ups, the school will be primarily responsible. Or when an outsider intrudes on a student and harms him, the school's liability insurance will cover the student's medical expenses and hospitalization expenses.

2. For example, if the student accidentally steps on the empty stairs while walking, falls down the stairs, kicks the ball and twists his foot, etc., it is not the direct responsibility of the school but the student's own responsibility, and no compensation will be paid.

Article 6 of the Judicial Interpretation on Compensation for Personal Injury: Where natural persons, legal persons, or other organizations engaged in business activities such as lodging, catering, or entertainment, or other social activities, fail to fulfill their obligations to ensure safety within reasonable limits, causing others to suffer personal injury, and the person entitled to compensation requests that they bear the corresponding liability for compensation, the people's court shall support it.

Where the damage occurs as a result of the infringement by a third party, the third party who committed the infringement shall bear the liability for compensation. Where the security obligor is at fault, it shall bear the corresponding supplementary liability for compensation to the extent that it can prevent or stop the harm. After the security obligor bears responsibility, it may seek compensation from a third party.

Where the person entitled to compensation sues the security obligor, the third party shall be a co-defendant, unless the third party cannot be determined.

Article 7: Where schools, kindergartens, or other educational establishments that have obligations to educate, manage, or protect minors in accordance with law, fail to perform relevant obligations within the scope of their duties, causing minors to suffer physical harm, or minors causing physical harm to others, they shall bear responsibility for compensation corresponding to their fault.

Where a third party's infringement causes minors to suffer personal injury, they shall bear responsibility for compensation. Where schools, kindergartens, and other educational institutions are at fault, they shall bear the corresponding supplementary liability for compensation.

Article 5: Where compensation rights holders sue some of the joint infringers, the people's courts shall add other joint infringers as co-defendants. Where the person entitled to compensation waives its claims against some of the joint infringers in the litigation, the other joint infringers shall not be jointly and severally liable for the share of compensation that the defendant whose claims have been abandoned. Where the scope of liability is difficult to determine, it is presumed that the joint tortfeasors bear equal liability.

The people's court shall inform the person entitled to compensation of the legal consequences of the waiver of the litigation claim, and explain the circumstances of the waiver of the litigation claim in the legal documents.