Can Pacific Insurance Group Personal Accident Insurance be compensated?

As long as it is caused by an accident, accidental medical treatment, accidental disability, or accidental injury, Pacific Group Personal Accident Insurance can compensate for it.

Accident Insurance Main Factors:

The so-called "foreign" means that the cause of the injury is caused by factors other than the insured. For example, physical damage caused by mechanical collisions, falls, compressions, bites, scalds, burns, frostbite, electric shocks, light radiation, etc., and chemical injuries caused by acids, alkalis, gas poisons and other factors. These external factors need to cause signs of damage on the outside or inside of the human body.

The so-called suddenness refers to the injury caused by a violent and sudden invasion of the human body. There is a direct and instantaneous relationship between the cause of the injury and the effect. For example, injuries and deaths caused by collisions in traffic accidents and the smashing of falling objects in the sky are sudden and instantaneous.

Physical injuries caused by long-term work under certain environmental conditions are not accidental injuries, such as occupational diseases caused by long-term work in harsh environments, and sudden and accidental physical injuries, and the former does not fall within the scope of injury insurance.

The so-called non-intentional refers to the injury caused by a force majeure accident that is not foreseeable by the parties and not their will, and the result of the injury is an accident, and the injury caused by non-accidental causes cannot be recognized as accidental injury, such as bodily injury caused by driving at a speed exceeding the speed limit standard on a highway. For this kind of injury, which is completely predictable and completely preventable, it is not an accidental injury.

Non-disease: Non-disease means that the damage was not caused by factors or illness in the insured person's body. For example, pathological fractures caused by osteoporosis or fulminant hepatitis caused by hepatitis viruses are injuries caused by diseases. The above four elements are indispensable for the formation of accidental injury, and the requirements must be met at the same time when determining the accident of injury insurance.

Insurance has its own rules!

For example, the accident insurance of the life insurance channel is generally regardless of liability, that is, no matter whose responsibility it is, if it is an accident, you can apply for a claim!

However, group insurance is generally a product of a pension insurance company or a property insurance company, and many of these products are to be compensated according to liability, and responsibilities must be distinguished!

However, there is a right to claim compensation in the insurance, and in fact, it should be possible to ask the group insurance side to make a claim for accidental injury, and after the claim is settled, the insurance company will hold the person responsible for it!

The compensation criteria for group personal accident insurance mainly include three aspects: accidental death, accidental disability, and accidental medical treatment.

The details are as follows:

1. Accidental death: The amount of accidental death compensation is the maximum compensation limit of the insurance type;

2. Accidental disability: The compensation standard for accidental disability should be divided according to the degree of disability, the degree of disability is divided into grades 1 to 10, the heaviest is the first level, the lightest is the tenth level, the insurance payment ratio corresponding to the first level of disability is 100%, and the insurance payment ratio corresponding to the tenth level of disability is 10%, with a difference of 10% for each level; 3. Accidental medical compensation: It belongs to the amount of compensation for losses, and the amount of compensation does not exceed the actual medical expenses spent.

For example, if the insurance amount for accidental medical treatment is 10,000 yuan, but the insured** cost is 5,000 yuan, then the maximum compensation cost after review is 5,000 yuan.

Claim process: 1. After the occurrence of an insured accident, the insured reports to the insurance company, which can be carried out by means of ** report, online report and outlet report.

2. Submit the claim materials required by the insurance company, such as insurance contract, identity certificate, diagnosis certificate, etc.

3. After receiving the complete claim materials, the insurance company will review them and conduct a claim investigation to confirm whether the insured meets the claim conditions.

4. After the review is passed, the insurance company will transfer the insurance money agreed in the contract to the designated account.

Test your anti-risk index, and experts will interpret it for you for free!

Group accident insurance, also known as group accident insurance, is a form of personal accident insurance that is insured in a group way, and its insurance liability and payment method are the same as those of individual voluntary waiver insurance.

Tuanbi Xingti accident insurance has a fixed rate, and customers can choose how much to insure per person, then multiply by the rate, and then multiply by the number of insureds. Meet or exceed 75% of the total number of eligible members in the group (less than 8 people, 100%). The minimum requirement is 5-7 people, and the high risk is more than 20 people.

The group accident insurance contribution rate of employees is related to the employee's occupational category, the number of insured people and the amount insured, generally speaking, 1 to 3 occupations.

The compensation standard for group accident insurance is:

1. If the insured has an accident during the insurance period, resulting in death or disability, the insurance company will pay the amount specified in the insurance contract within 180 days;

2. If the disability is caused by an accident, the disability insurance will be paid according to the degree of disability;

3. If the purchased group accident insurance also has medical protection, then the medical expenses and ** expenses will be paid according to the proportion of 80%.

Summary. Hello dear<>

Pacific Group Accident Insurance pays the victim or the victim's family members. They will determine the specific amount and duration of compensation in accordance with the terms and conditions of the contract, and will generally be reimbursed in cash, remuneration or other forms. Generally speaking, the insured or the victim's family can obtain financial compensation by claiming compensation to compensate for the economic losses they generally suffer, including but not limited to financial pensions, medical expenses, disability pensions, etc.

Who does Pacific Group Accident Insurance pay for.

Hello dear<>

Pacific Group Accident Insurance pays to the victim or the victim's disrespectful family members. They will determine the specific amount of compensation and the duration of state probation based on the terms and conditions of the contract, and will generally be reimbursed in cash, remuneration or other forms. Generally speaking, the insured or the victim's family can obtain financial compensation by claiming compensation to compensate for the financial losses they generally suffer, including but not limited to financial pensions, medical expenses, disability pensions, etc.

My mother was injured at work last year, and she had a comminuted fracture of her toe in the big foot Xunwei, and the group accident insurance of Taiping Mu Peiyang bought in the factory, and now the boss doesn't want to deal with my parents about this rental matter, and I don't know the policy.

What about people. Pacific Group Accident Insurance will determine the exact amount of compensation based on the extent and type of injury your mother has been injured in accordance with its terms and conditions. Under normal circumstances, Taiping Group Accident Insurance will pay the compensation amount to your mother, with Xizhi as the victim.

If your mother is unable to receive the compensation amount due to the injury, the compensation amount will be paid to your mother's legal **person, i.e. your parents. You can get 20,000 yuan from the insurance company.

Now I'm afraid of paying compensation to their boss, the boss won't give my mother, can my mother be compensated about 20,000 yuan for such an injury.

Also, my mother reached retirement age last year, will there be a statement of overage?

Kiss, yes, you can get about 20,000 in compensation. For the amount of compensation and the object of compensation, you can check the policy terms on the official website of Pacific Insurance Company, or consult your local insurance broker. In general, Pacific Group Accident Insurance pays the amount to the injured person, who is your mother.

If the insurance policy stipulates that the compensation will be paid to the boss, your mother can negotiate with the boss to request that the compensation be paid to herself.

Dear, no, your mother has reached retirement age, and overage will not affect the insurance company's handling of the claim.