What is Business Accident Insurance and what does Business Accident Insurance mean

Commercial accident insurance is a kind of life insurance in commercial insurance, and the insured can receive corresponding compensation due to accidental death or disability. It mainly includes accidental death, accidental disability, and accidental medical treatment three major claim scope, if you want to know how to pay, you can take a look at the article written by Concentration Jun before: What is the claim standard of accident insurance?

It turns out that it's so easy to make a claim!

Next, let's talk about how to buy business accident insurance? What are the pitfalls to look out for?

1. Occupational restrictions.

Accident insurance generally supports 1-3 occupations, and if it is a high-risk occupation, it is difficult to buy and even limit the amount of insurance. Therefore, when we choose accident insurance, we should choose products with looser occupational restrictions, or choose accident insurance specifically for high-risk occupational groups.

2. Disability Total disability.

Accident insurance generally covers accidental medical treatment, accidental disability, and accidental death, and some products replace disability protection with total disability protection, you know, total disability is a very serious situation and is generally difficult to achieve. Therefore, if you buy a total disability product, then the general disability is not compensated.

3. Accidental medical reimbursement.

It is best to choose insurance that is not limited to social security coverage, the lower the deductible, the better, the best is 0 deductible, the higher the reimbursement ratio, the better, and it is best to be a 100% reimbursement product.

The above is the introduction of commercial accident insurance, if you want to know more about accident insurance, you can scan the code to pay attention to the insurance, we will answer any doubts about insurance for you with professional knowledge, objective, neutral and enthusiastic attitude, so that it is no longer difficult to buy insurance!

Commercial accident insurance is a type of insurance that insures the body of the insured. When the insured has various accidents that cause physical damage, the insurer shall bear the insurance payment according to the agreement for the medical expenses incurred by the insured or the loss caused by the loss of working ability.

It is commercial accident insurance, which is caused by an accident.

Commercial accident insurance mainly provides accidental personal injury protection for the insured, and the coverage is mainly accidental medical treatment, accidental death and accidental disability.

1. Accidental death.

In the event of death caused by an accident, the accident insurance can pay the entire sum insured, such as buying 1 million, you can pay 1 million at once.

2. Accidental disability.

Disability caused by an accident can be compensated according to a certain proportion of compensation, for example, 100% of the sum insured can be paid for the first degree of disability, and 10% of the sum insured can be paid for the tenth degree of disability.

3. Accidental medical treatment.

Accident insurance can reimburse the medical expenses incurred due to accidents, and some high-quality products also have accidental hospitalization allowances ranging from 50 to 200 yuan, which can make up for the loss of income during hospitalization.

In addition to the core protection, we also pay attention to these problems when buying accident insurance: accident insurance does not pay attention to these points, beware of affecting the claim!

Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of making a profit, and it is operated by a specialized insurance company. A commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, and the policyholder pays insurance premiums to the insurance company in accordance with the contract. The insurance company shall be liable for the payment of insurance benefits in accordance with the specific terms agreed in the contract.

Commercial accident insurance, i.e. accident insurance. It is an insurance that takes the body of the insured as the subject matter of the insurance, and takes the death, disability, medical expenses or temporary loss of working ability caused by the accidental injury of the insured as the condition for the payment of insurance benefits. According to this definition, accident insurance covers death, disability, medical and work stoppage.

The insurance company's accident insurance product defines accidental injury as "injury to the body caused by external, sudden, and unintentional objective events as direct and independent causes". The injury must be caused by an accident, which means an external violent accident that occurs accidentally.

Only when the three conditions of "foreign", "violent" and "accidental" are met at the same time can the insured event of the contract be constituted. In general, the coverage of commercial accident insurance mainly includes:

1. Death benefit. In the event of death caused by accidental injury, the insurer shall pay the death insurance benefit.

2. Disability benefits. When the insured becomes disabled due to accidental injury, the insurer pays disability insurance benefits.

3. Medical benefits. When the insured suffers medical expenses due to accidental injury, the insurer pays the payment. Accident medical insurance is generally not covered separately but as an add-on to accidental death, disability, and disability.

4. Stoppage payment. When the insured is temporarily incapacitated due to an accidental injury and is unable to work, the insurer pays the suspension insurance benefit.

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The difference between commercial insurance and accident insurance is mainly in the scope and content of coverage. Commercial insurance is a general term that includes accident insurance. Accident insurance, on the other hand, is a type of insurance that specializes in personal injury caused by accidental risks.

Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of profit, and is operated by specialized insurance companies. The policyholder shall pay the insurance premium to the insurance company in accordance with the contract, and the insurance company shall be liable for compensating for the property loss caused by the possible accident as agreed in the contract, or shall be liable to pay the insurance money when the insured dies, is disabled, sick or reaches the agreed age and period.

Commercial insurance is mainly divided into life insurance and property insurance, life insurance is the insurance of people's life and body as the protection object, and life insurance can also be subdivided into life insurance, critical illness insurance, medical insurance, accident insurance and annuity insurance; Property insurance is an insurance that protects the property and related interests of the insured, and it is a compensatory insurance, that is, if the property and related interests of the insured suffer losses, the insurance company will compensate for the loss in accordance with the contract.

Accident insurance means that when the insured suffers an accidental injury during the insurance period, and the death, disability or injury is directly caused by this, the insurance company pays the insurance benefit in accordance with the contract. Accident insurance generally covers accidental medical treatment, accidental dismemberment and accidental death.

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Arnold answered:

Hello! Compared with social insurance, commercial insurance contains a wide range of content, including different types of insurance. Such as accident insurance, health insurance, life insurance, etc. Personal accident insurance belongs to the category of accident insurance, and naturally belongs to the general category of commercial insurance.

Summary. Difference: Accident insurance is a type of accident insurance for commercial insurance

Accident insurance is personal accident insurance, also known as accident or injury insurance, which refers to the insurance in which the insured pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury within the insurance period and causes death or disability as a direct cause, the insurance company pays a certain amount of insurance money to the insured or beneficiary in accordance with the insurance contract.

What is the difference between commercial insurance and accident insurance.

Difference: Accident insurance is a kind of accident insurance of commercial insurance: accident insurance is personal accident insurance, also known as accident or injury insurance, which refers to the insurance that 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 causes death or disability as a direct cause, the insurance company pays a certain amount of insurance money to the insured or beneficiary in accordance with the provisions of the insurance contract.

Excuse me, but please go into more detail?

The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays insurance premiums to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the agreed age and period. The so-called social insurance refers to a social security system that collects insurance premiums to form social insurance**, which is used to provide basic living security for members who lose their ability to work or lose their job opportunities due to old age, illness, maternity, disability, death and unemployment.

Commercial accident insurance is a type of insurance that insures the body of the insured. When the insured has a variety of accidents that cause physical damage, the insurer bears the insurance payment according to the agreement for the medical expenses incurred by the body and the body or the loss caused by the loss of working ability. Commercial accident insurance also includes personal accident insurance, travel insurance, vehicle accident insurance, etc.

Commercial accident insurance is suitable for all people of all ages, including children, teenagers, people who are closed in Chengsong Mountain, middle-aged and elderly people. Commercial accident insurance contains a wide range of types, and you can purchase the corresponding business accident insurance according to different needs:

1. Among them, personal accident insurance is suitable for people with basic accident protection needs, such as people who often travel by chariot;

2. Comprehensive accident insurance for vehicles is suitable for business people and public servants who often travel by plane or train. There are also more detailed classifications in vehicle accident insurance, such as aviation accident insurance;

3. Travel insurance is more accurate to meet the needs of travel experts who love all kinds of outdoor sports.

Commercial accident insurance is based on the body of the insured as the subject of insurance, and the death, disability, medical expenses or temporary loss of working ability caused by the insured due to accidental injury are the conditions for the payment of insurance benefits to the town balance, including accident insurance, travel insurance, aviation accident insurance and other types of insurance. Generally speaking, the insured pays a certain amount of insurance premium to the insurance company, and if the insured suffers an accidental injury during the insurance period and takes this as the direct cause or proximate cause, and causes death, disability, medical expenses or temporary loss of working ability within a certain period of time from the date of the accidental injury, the insurance company pays a certain amount of insurance compensation to the insured or its beneficiary.

The main benefits of accident insurance include: accidental death benefit, accidental disability benefit and accidental medical reimbursement. Among them, accidental death benefit and accidental disability benefit are the basic liabilities of the royal reform accident injury insurance, and their derivative liabilities include medical payment, loss of time pay, loss of loss payment, etc.

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