How is the accidental death insurance compensated, and how much is the accidental death insurance co

Claim process introduction: Accident report (call the national unified report**) -- prepare application materials and claim -- insurance company acceptance -- insurance company review -- notify the compensation conclusion -- pay the claim. There are still a lot of materials to prepare for life insurance claims.

Start by calling ** to report the crime: You can call the insurance company's national customer service****. Or choose to report the crime:

You and your ** person (principal) can go to the customer service counter of each outlet, or entrust your ** person to go to the salesman service counter to handle the claim report. Secondly, prepare relevant information according to the requirements: Accidental death of the insured:

1.Policy; 2.Life Insurance Claim Application; 3.

Proof of the insured's identity (if any, required); 4.Proof of household registration of the insured; 5.Proof of beneficiary's identity, household registration, and relationship with the insured; 6.

outpatient (emergency) medical records; 7.Discharge summary; 8.Certificate of Accident; 9.

Death certificate; 10.Certificate of cancellation of household registration; 11.Proof of disposition of remains; 12.

A copy of the first page of the passbook of the beneficiary's account name. You may also be asked to provide some additional materials related to this claim, and if so, the claims department will contact you in a timely manner. If you entrust another person to handle the compensation application on your behalf, you need to provide a power of attorney signed by the beneficiary (indicating the scope of authorization), and the original identity certificate of the beneficiary and the ** person.

You need to see if the insurance you buy has accident insurance and the amount of coverage for accidental death.

Compensation in accordance with the regulations on workers' compensation: the lowest is tens of thousands, the highest can be up to millions, if the insured dies due to an accident after the personal accident insurance, the legal beneficiary of the insured can receive compensation, and the amount of these compensation is related to the amount of insurance insured by the policyholder. "Regulations on Work-related Injury Insurance" Article 39 If an employee dies on the job, his close relatives shall receive funeral subsidies, pensions for dependent relatives and one-time work-related death subsidies from work-related injury insurance in accordance with the following provisions:

1) The funeral subsidy is 6 months of the average monthly wage of employees in the overall area in the previous year; (2) The pension for dependent relatives shall be paid to the relatives who provided the main livelihood and were unable to work according to a certain proportion of the employee's own salary. The standard is: 40% per month for spouses, 30% per month for each other relative, and 10% per month for each elderly person or orphan who is alone or orphaned.

The sum of the approved pensions for dependent relatives shall not be higher than the wages of the employee who died in the course of work. The specific scope of support for relatives shall be prescribed by the social insurance administrative department; (3) The standard of one-time work-related death subsidy shall be 20 times the per capita disposable income of urban residents in the previous year. Where a disabled employee dies as a result of a work-related injury during the period of suspension of work with pay, his close relatives shall enjoy the benefits provided for in the first paragraph of this article.

Where an employee with a disability of the first to fourth grades dies after the expiration of the period of suspension with pay, his close relatives may enjoy the benefits provided for in items (1) and (2) of the first paragraph of this article.

Disability or death caused by an accident, the corresponding compensation or death money can be superimposed, no matter how many copies you buy, you can claim from multiple insurance companies, for example, disability or death caused by a traffic accident, cumulatively, the maximum compensation is 1 million, 500,000 for each of the two companies.

Accident insurance is one of the life insurance businesses. Life insurance with death or disability caused by accidental injury of the insured as the condition for the payment of insurance benefits. Its basic content is:

The insured pays a certain amount of insurance premiums to the insurer, and if the insured suffers an accidental injury during the insurance period and takes this as a direct or proximate cause, and causes death, disability, medical expenses or temporary incapacity for work within a certain period of time from the date of the accidental injury, the insurer shall pay a certain amount of insurance money to the insured or its beneficiary. There are two types of benefits, namely death benefits and disability benefits.

The pure premium of accident insurance is calculated based on the loss rate of the insured amount, and this method believes that the probability of the insured suffering from an accident depends on his occupation, type of work or activity to be carried out, and when all other conditions are equal, the higher the degree of risk of the insured's occupation, type of work and activities engaged, the more insurance premiums should be paid. As long as the event of the accidental injury suffered by the insured occurs during the insurance period, and the consequences of death and disability are caused within a certain period of time (within the liability period, such as 90 days, 180 days, etc.) from the date of the accidental injury, the insurer shall bear the insurance liability and pay the insurance premium. Accident insurance is a fixed-rate insurance, and when the insurance liability is constituted, the insurer pays death insurance or disability insurance according to the insurance amount agreed in the insurance contract.

The amount of the death benefit is specified in the insurance contract and is paid in full when the insured dies. In accident insurance, the insured amount is also the maximum amount of insurance money paid by the insurer, that is, the insurer pays each insured person's death insurance and disability insurance premiums cumulatively, and the cumulative amount of insurance premiums does not exceed the insured amount of the insured.

According to the official insurance terms, accidental injury refers to external, sudden, unintentional, and non-disease injuries to the body. Secondly, if the death is caused by an accident, if the death is within the time agreed in the insurance agreement and meets the conditions of accident insurance, it will definitely be compensated.

However, if the time of death is outside the agreed time, will the insurance company pay the claim?

Whether the point of time of death is within 180 days of the accident is within 180 days, and the insurance company needs to pay out.

Baibaojun reminds everyone here that the 180 days here are calculated from the time of the accident, not 180 days after the end of the accident.

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