Buying accident insurance on the battlefield is an accumulation of occupational categories

When consumers buy accident insurance, the occupational category must be distinguished!

Under normal circumstances, consumers need to provide the insured's occupation information when purchasing accident insurance, because the risks brought by the insured's different occupations are different, some occupations are relatively small, and some will be higher, so the insurance company will control the relevant risks according to the different occupations of the insured.

It is understood that accident insurance can generally be divided into six categories. It contains more than 100 occupations with different levels of danger, and the construction industry and draftsmen belong to the first category; Site workers fall into the second category of occupations; Carpenters on construction sites belong to the third category of occupations, and painting workers belong to the fourth category of occupations. Welders belong to the fifth profession.

Topographic Detectives belong to the sixth category of professions. The higher the level of the occupation, the greater the likelihood of danger.

Among them, the accident insurance occupational category in the fourth category of occupations belongs to high-risk occupations, the fifth and sixth categories belong to high-risk occupations, and the insurance company can underwrite according to different rates, but the insurance company has the right to refuse insurance if it exceeds the sixth category of high-risk occupations.

To sum up, consumers must distinguish the occupational category when purchasing accident insurance, and the coverage rate will be different according to different occupational categories. However, if it exceeds the sixth category of high-risk occupations, the insurance company may refuse to insure. In addition, you should also note that after purchasing accident insurance, once you change your occupation, you must inform the insurance company in time, so as to avoid the right of the insurance company to refuse compensation when you change your occupation and type of work.

It depends on the job position, and the position is different, and the occupational category is different.

Accident insurance is divided into occupational categories.

Categories 1-3 are low-risk occupations:

One type of profession is basically sitting in an office. Such as: cashier, accountant, teacher, civil servant, farm operator (do not work in person).

The second type of occupation is clerical personnel, such as: salesman, salesman, farm operator (personal work).

The third category is the staff who often go out to run errands. Such as trolley drivers, agricultural machinery operators, maintenance personnel.

Category IV: Moderately hazardous occupations.

The four types of occupations generally require manual labor, such as truck drivers and general workers.

Category 5-6: Highly hazardous occupations.

The five types of occupations are those who work at heights or those who operate machinery, etc. Such as lathes, millers, construction personnel, etc.

There may not be many accidents in the six types of occupations, but once they occur, the situation will be very serious. Such as oil pipeline cleaners, etc. It also includes some police officers, armed police, pilots, etc.

Category 7: Clarify the occupation of refusal of insurance.

Seven types of occupations are industries that insurance companies explicitly refuse to insure. Such as: miners, blasters, etc.

The occupational categories of general accident insurance are 1-3 groups. The highest premium is for people in 4-5 occupational groups. Individuals do not have high-risk occupational accident insurance that they can purchase.

Occupational categories are available in the Occupational Category Classification Table query.

There are several types of insurance that are within the scope of the terms and conditions of accident insurance.

For example, a 120 yuan accident card can only be purchased by 1-3 types of professionals.

If there is an accident in 1-3 occupations after the purchase of more than four types of occupations, the claim can be reimbursed. If there is an occupation beyond the scope of Category 1-3, the insurance company will refuse to insure.

Category 1-3 occupations are basically office workers, back-office company managers, clerks and other people who are not engaged in dangerous occupations.

Electrician) is one of the 4 types of occupations. Some electrician jobs also belong to the 5 categories of occupations.

Hello! The occupational category of general accident insurance can be divided into six categories:

Category 1: Employees of government agencies, organizations, public institutions, and all civilian personnel and other personnel engaged in non-hazardous occupations.

The second category: engaged in general service industries such as tourism, commerce, hospitals, etc.; Occupations that are not purely clerical but do not involve danger, such as journalism, magazines, etc.

The third category: personnel engaged in agriculture, animal husbandry, iron and steel, automobile and bicycle manufacturing, paper industry, plastic industry, decoration industry, repair industry, car rental service industry, etc.

Category 4: Persons engaged in inland fisheries, port operations, electrical and electronic equipment, drilling industry, glass-ceramic enamel manufacturing industry, bathing beaches, cement industry, and special business (such as song halls, bars), etc.

Category 5: Engaged in forestry, timber processing, onshore oil mining, construction, railroad laying, boating and other occupations with a slightly higher degree of risk.

Category 6: Engaging in more dangerous occupations, such as: mining, quarrying, exploration, sand and gravel mining, air transportation.

Work accident insurance can be divided into six categories according to occupation, and these two occupations need this type of insurance more.

If you are in charge of sales or management most of the time, you should not belong to the four types of occupations.

It is recommended to find a professional insurance person to buy insurance.

Sometimes you save money, but not necessarily money. In the future, if you make a claim, you will have to do everything yourself. And there are many precautions in the insurance claim itself, which you can't understand without experiencing it.

It's not that high, and it's not always a matter of doing it yourself!

In the occupational classification list of insurance, there is no occupation of yours, so it can only be defined as other occupations, as long as you truthfully explain your occupation to the insurance company, after the accident, the insurance company should of course pay the claim.

In accident insurance, if the accident injury is to be paid by the insurance company, then the injury must meet three conditions.

1.Caused by external causes: The insured is injured outside the body and causes the accident, such as being struck by lightning or fire.

2.Unintentional: that is, an accident occurs that the insured did not expect, such as an aircraft crash, being hit by a high-rise object, etc.

However, some accidents are indeed expected by the insured and are only caused by a moment of negligence, such as electrocution while repairing electrical appliances. Or for example, if a building catches fire, the doorway or walkway is blocked, and the insured has to jump from the building and fall into serious injury, these are not covered by the insurance company.

3.Sudden: that is, the accidental injury occurs in a very short period of time and is too late to prevent, such as a pedestrian being suddenly hit by a car.

Although occupational diseases such as lead poisoning and silicosis are the harm of foreign harmful substances to the human body, they are not accidents because the injuries are caused gradually, and they are foreseeable and preventable.

This can be compensated, and the 6 types of occupations generally include high-risk occupations with high jobs.

Mechanical installers can't reach 6 types of occupations. This "accident insurance" can be reimbursed for medical expenses if there is "accidental injury medical treatment". If the accident causes "disability", you can also pay according to the proportion of disability.

The group accident insurance payment rate of employees is related to the occupational category of employees, the number of insured people and the amount insured, generally speaking, 1 to 3 types of occupations, the payment rate is not high, (about 100 yuan, there are about 100,000 accidents, 10,000 medical treatment) Of course, the more employees the company insured, the more preferential the insurance company will give.

The premium is calculated based on the 6 types of accidents, of course, depending on where the insurance is insured.

There are certain procedures for buying accident insurance for 6 types of occupations, and the insurance company will require the insured to submit a certificate of good health. Renren insurance experts warmly remind that the premium is definitely higher than that of occupations below category 3.

Generally speaking, accidents are sudden, unavoidable, and uncontrollable risks. Unless it is a man-made accident, there will be no failure to pay compensation.

Therefore, please be sure to check with your local insurance company to properly exercise your right to know. But you already know and understand that the nature of your work is a dangerous occupation, so your insurance is a must.

The most important aspects of accident insurance are the occupational risk category and the means of transportation used. Otherwise, insurance companies don't have to divide occupations into so many categories.

It depends on what kind of accident insurance you have purchased?

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Many accident insurance policies are limited to occupations, and not all occupations can be insured.

Can people in the first and fifth occupations buy accident insurance?

Of course, it can be bought, and we all know that people with high-risk occupations need protection more than ordinary people. However, insurance companies are for-profit institutions that operate risks, and there are many restrictions on insurance rules for known health abnormalities and occupational high risks.

2. How to choose high-risk occupational accident insurance?

Accident insurance is most affected by occupation, and general accident insurance only covers categories 1-3 occupations.

3. Suggestions for purchasing other types of insurance for high-risk occupations.

2. Purchase term life insurance: the first Huagui barley term life insurance, the king of cost performance, can underwrite 1-6 types of occupations; If the occupational risk is too high, you can choose Ruitai Ruihe, although it is more expensive than **, but there is no requirement for occupation at all, and the health notice is also relaxed.

3. Purchase of critical illness insurance: the first to launch the flagship version of Kanghuibao, which provides comprehensive protection and is cheap, and can be invested in 1-6 occupations. If you want to know more about Kanghuibao's products, you can refer to this article:How about the Centennial Comvibo Ultimate Edition product, is it worth buying

Five types of occupations.

The five types of occupations are mainly construction workers, which are generally purchased by the unified version of the construction unit. According to Article 18 of Article 4 of the Construction Law, accident injury insurance for construction workers is a statutory compulsory insurance, and it is also an important means to protect the legitimate rights and interests of construction employees, transfer the risk of accidents of enterprises, enhance the ability of enterprises to prevent and control accidents, and promote the safety of production of enterprises.

Normally, administrative office belongs to one category, and the other two categories are on-site management, business and so on; The third category is general production personnel; The fourth category belongs to machine operators; The fifth category is what we usually call aerial work.

If you buy it yourself, you can buy it from each insurance company, for example, the following figure shows accident insurance suitable for 5 types of occupations.

5 types of occupations, such as construction site workers, generally need the company to purchase group insurance or contact the insurance company to approve the appropriate insurance products. Because this type of occupation is generally a higher occupational risk, it cannot be insured by oneself.

Hello! Accident insurance belongs to consumer insurance, in addition to the occupational category, the key is to look at your actual situation, and then conduct a detailed analysis version.

No!

Only one to four categories can be used, and you can consult the insurance company.

5 types of occupations can be underwritten, and there is a need to contact.

Buy directly on the software. Class 5 can also be bought, but it does not take occupational risks. Even accidents caused by non-occupational reasons can be claimed. Accidental injury, accidental medical treatment and hospital day allowance are included.