How much can individual businesses reimburse the accident insurance they buy for their employees?

It depends on the amount of accident insurance purchased by the kindergarten, and if it is within the limit, it will be reimbursed according to the reimbursement ratio of the accident insurance you purchased according to your medical expenses

Individual. Buy accident insurance for your employees.

Purchases should be made based on coverage needs, insurance coverage methods, and claims services.

1. Protection needs: When an enterprise purchases accident insurance for employees, it should fully consider the overall protection needs of employees, so as to provide necessary protection for employees and give full play to the maximum role of accident insurance; For example, the degree of danger of the employee's occupation, the nature of the work, and whether the scope and content of the protection are included in the actual situation of the employee.

2. Insurance method: The insurance company should be selected through formal channels, and the honest salesperson should be found, and the appropriate accident insurance should be purchased for the employee after sufficient insurance planning.

3. Claim service: Analyze whether the insurance company's claim after-sales service is in place before applying for insurance, and choose an insurance company with good claim service to ensure a smooth claim settlement after the accident.

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Dear, I am glad to answer for you: how much is the percentage of reimbursement of employee accident insurance Answer: The compensation ratio of pro-family accident insurance is generally 80%1

In the event of personal injury, various expenses incurred due to medical treatment**, such as medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, nutrition expenses, etc., shall be reimbursed2If you are disabled due to injury, in addition to medical expenses, etc., subsequent expenses such as ** expenses, nursing expenses, follow-up ** expenses, etc., the compensation obligor should also compensate for the specific situation according to the terms of the insurance company, thank you for your patience. The above is my full reply, if you are satisfied with my service, please give a thumbs up, and I wish you all the best!

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Excuse me? I run a clothing store, it is a street store, the scale is not large, some employees change every year, only a few stay for more than 3 years. How do I buy social security?

What is the ratio? How much is an employee in a year? Expert analysis is that it is necessary for the boss to provide various types of insurance to employees, which not only benefits employees, but also transfers risks to ourselves.

Your idea is good! Specifically, you should bring the business license, as well as the industrial and commercial **, but also bring the number of employees and relevant certification materials to the social security bureau or social security service company for processing, if the employee is a foreign person, the file should be transferred to the location of the talent. Moreover, the social security cost is about 10,000 yuan per person every year, of which about 30% is borne by the individual, and about 70% is borne by the unit.

You can also let employees make their own personal contributions, let them issue bills, and you will be reimbursed. The annual cost is also around a few thousand. Moreover, social security needs professional professionals to contact it frequently, receive various documents, adjust the base, convert the designated hospital, expense reimbursement, and receive it all to go to the social security department, and you have to train a personnel staff.

Social security is wide coverage and low security. Regardless of the minimum payment line, regardless of the reimbursement ratio, regardless of the reimbursement scope, and the small problem of spending more than 2,000 yuan can only be reimbursed back a few hundred yuan, the problem is big, and it is estimated that you can't afford to use this employee. If you're willing to take a different approach to this idea, I can suggest that you enroll yourself and your employees in business group insurance.

You and your employees can bring a few family members with you if you don't have more than five people, and more than five people can apply for business group insurance. Different reimbursement ratios can be set up at different levels, and some plans can also reimburse self-financed drugs, and the standard of five people has an annual payment of about one or two thousand.

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Summary. Self-employed individuals can purchase accident insurance for their employees in the following ways: directly through the insurance company:

Self-employed individuals can contact insurance companies or insurers to choose accident insurance products that suit the needs of employees and insure them for their employees. Insurance premiums can be paid through a company account or by the employee themselves. Co-purchase with employees:

Self-employed individuals can negotiate with their employees to purchase accident insurance together. This can be done by the company paying a portion of the premium and the employee paying the other part themselves. Insurance benefits available:

Self-employed individuals can provide protection for their employees by taking accident insurance as one of their employee benefits. Employees can voluntarily choose whether or not to participate, and the cost of insurance can be fully covered by the company or shared between the employee and the company.

Self-employed individuals can purchase accident insurance for their employees in the following ways: purchase directly through the insurance company: self-employed individuals can contact the insurance company or the insurance person to choose the accident insurance product that suits the needs of the employee, and negotiate a high track record to insure the employee.

Insurance premiums can be paid through a company account or by the employee themselves. Co-purchase with employees: Self-employed individuals can negotiate with their employees to jointly purchase accident insurance.

This can be done by the company paying a portion of the premium and the employee paying the other part themselves. Provide insurance benefits: Self-employed individuals can take accident insurance as one of their employee benefits and provide employees with insurance coverage.

Employees can voluntarily choose whether or not to participate, and the cost of insurance can be fully covered by the company or shared between the employee and the company.

Can you add, I don't quite understand it.

No matter what method is adopted, self-employed people need to communicate with the insurance company or the person who has insurance and allergy insurance, understand the coverage and premium of accident insurance, and purchase suitable accident insurance products for employees.

Summary. Because after all, for self-employed people, in addition to making cabinets as a whole, the sales staff of such stores also need to purchase some accident insurance. Because in this way, it can also avoid or reduce the risk of employees discovering accidents, for such problems, we will feel that if it is a self-employed business to apply for such medical insurance, it is necessary to go to such a social security bureau for a commercial insurance first.

And for such a problem, it is also possible to go without work-related injury insurance.

Hello, I am Mr. Xiaodong, the contracted respondent of Q&A financial insurance, self-employed people buy accident insurance for employees, and they can purchase group insurance according to actual considerations.

Because after all, for self-employed people, in addition to making cabinets as a whole, the sales staff of such stores also need to purchase some accident insurance. Because this auspicious lead sample can also avoid or reduce the risk of employees discovering accidents, for such a good question, we will feel that if it is a self-employed business to apply for such some medical insurance, first of all, we must go to such a social security bureau for a commercial insurance process. And for such a problem, it is also possible to go without work-related injury insurance.

Summary. Self-employed individuals can purchase accident insurance, but they need to consider factors such as the age of the employee, the type of occupation, and calculate the premium, the scope of liability, etc.

Hello, it is okay for self-employed people to buy accident insurance for employees, but it should be noted that when purchasing accident insurance, it is necessary to take into account factors such as the employee's age, occupation type, and physical examination. In addition, the individual sales account also needs to calculate the premium required to purchase the accident loss wheel insurance, as well as the scope of liability during the insurance period, so as to determine whether to purchase accident insurance.

Can you elaborate on that a little bit more?

Self-employed individuals can purchase accident insurance, but they need to consider factors such as the age of the employee, the type of occupation, and calculate the premium, the scope of liability, etc.

The commercial insurance purchased by the enterprise for its employees shall be included in the subject of "Management Expenses - Employee Accident Injury Insurance". According to the provisions of Articles 35 and 36 of the Regulations for the Implementation of the Enterprise Income Tax Law of the People's Republic of China, the basic pension insurance premiums, basic medical insurance premiums, unemployment insurance premiums, work-related injury insurance premiums, maternity insurance premiums and other basic social deficit balance insurance premiums and housing provident fund paid by enterprises for employees in accordance with the scope and standards stipulated by the relevant competent departments or provincial people, are allowed to be deducted. The supplementary endowment insurance premiums and supplementary medical insurance premiums paid by enterprises for investors or employees are allowed to be deducted within the scope and standards stipulated by the competent financial and taxation departments.

In addition to the personal safety insurance premiums paid by enterprises for employees of special types of work in accordance with the relevant provisions of the state and other commercial insurance premiums that can be deducted according to the provisions of the competent financial and taxation departments, the commercial insurance premiums paid by enterprises for investors or employees shall not be deducted.

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