Can I get the insurance premium, and do I have to pay the premium after the insurance is out of the

Yes, ask the manufacturer for compensation!

That's your problem

You can first communicate with the manufacturer to agree, as long as it is determined that it is injured in the process of work, you can get compensation, if the manufacturer does not agree, you can report to the local labor department to ask for assistance!

This is a work injury. If the manufacturer does not have work-related injury insurance, then the medical expenses and disability benefits are paid by the manufacturer. If you do not pay, you can file a complaint with the labor and social security department, or you can apply for arbitration or file a lawsuit with the court.

Regardless of whether there is a labor contract with the employer, the employer should give compensation, as long as the employer identifies the work-related injury and participates in the insurance, it can get compensation from the insurance company. If you do not participate in the insurance, you should be compensated by the unit. It can be resolved through the labor or legal department.

If you can get compensation, either the boss will pay for it, or the boss will take money from the insurance company.

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When the insurance is out of the insurance after the claim is settled, take the critical illness insurance as an example, whether the premium is still paid after the claim depends on the actual situation: if the number of critical illness claims is used up, the protection will be invalid, and there is no need to pay the premium; If the critical illness is not claimed, but only a mild or moderate illness is claimed, the coverage is still valid and the premium needs to be paid.

Do I have to pay a premium after the insurance is out of the insurance?

Do I still have to pay a premium after a car insurance accident?

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When the insurance is out of the insurance after the claim, take the Chongdan travel insurance as an example, the premium after the claim is made is to let Chi Xiao pay with the candid, it depends on the actual situation: if the number of critical illness claims is used up, the protection will be invalid, and there is no need to pay the premium; If the critical illness is not claimed, but only a mild or moderate illness is claimed, the coverage is still valid and the premium needs to be paid.

Further information: There is an exemption from liability in the product: If the insured critical illness insurance includes the exemption of the critical illness liability of the spine insurer, after the insurance Wang Yemu receives the claim, he can apply for a premium waiver from the insurance company, and there is no need to pay the remaining insurance premium.

If there is no premium waiver for the product, and the coverage is still valid, then the remaining premium needs to be paid. Termination of the insurance contract after the claim: If the insured suffers a critical illness during the insurance period and meets the conditions for claiming, the contract will be terminated after the claim is completed, and the premium will not be paid.

If it is a commercial insurance purchased by an individual.

It is necessary for the policyholder to pay by himself. Because when signing the insurance contract, the payment standard is agreed; If it is social security, according to relevant laws and regulations, the employer must pay social security to the employee, and some of the items paid by the company are paid by the company, and some are paid by the individual and the company. The annual deduction standard for social security is the contribution salary * contribution rate.

Five insurances in social insurance.

They are: endowment insurance, medical insurance.

Work-related injury insurance, unemployment insurance, and maternity insurance.

The proportion of units and individuals is generally (local policies may be slightly different):

The endowment insurance unit bears 16% of the front, and the individual bears 8%; 6% for medical insurance units and 2% for individuals; 2% for unemployment insurance units and 1% for individuals; 1% of the maternity insurance is fully borne by the unit; Work-related injury insurance is also fully borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

Social insurance refers to the compulsory establishment of social insurance by the state through legislation**.

to participate in labor relations.

A system in which workers are given the necessary material assistance when they are incapacitated or unemployed. Social insurance is not for profit.

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First of all, 20% must be paid to the bank most responsible reserve designated by the CIRC. There are also various liability payments to be paid. The last remaining part, about 20%, will be put into the industry that is allowed to operate, and earn profits to pay dividends and interest.

Insurance liability reserve refers to a kind of capital reserve that an insurance company withdraws from insurance premium income in order to assume undue liabilities and deal with outstanding claims. The insurance liability reserve is not the operating income of the insurance company, but the liability of the insurance company, so the insurance company should have assets equivalent to the insurance liability reserve as a backing, and be ready to fulfill its insurance liability at any time.

Not necessarily, although China's law clearly stipulates that enterprises and employees should pay social insurance premiums on time and in full in accordance with the law, and the part payable by employees shall be withheld and paid by the enterprise, there are still some enterprises that fail to pay the relevant social insurance premiums in full and in a timely manner, and try to delay and evade the payment of social insurance premiums in various ways. For example, the enterprise stipulates that employees can apply for relevant social insurance after the expiration of the probationary period or employees can only participate in social insurance after working for one year; Evading social insurance for employees by not signing labor contracts with them; The enterprise and the employee privately sign an agreement, stipulating that the enterprise will pay the social insurance fees directly to the employee, and the employee promises that the enterprise will not bear any legal responsibility for the disputes arising therefrom.

Since the payment of social insurance premiums is a common legal obligation of the enterprise and its employees, and neither party can be exempted from the statutory obligations through the internal regulations of the enterprise or the agreement between the two parties, no matter what regulations are within the enterprise or what agreements exist between the enterprise and the employees, they are invalid because they violate the mandatory provisions of the law.

Legal basis

Social Insurance Law of the People's Republic of China

Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Social Insurance Law of the People's Republic of China

Article 60 Employers shall declare and pay social insurance premiums in full and on time, and shall not defer or reduce or reduce social insurance premiums except for force majeure or other statutory reasons. The social insurance premiums to be paid by the employee shall be withheld and paid by the employer, and the employer shall inform the employee of the details of the social insurance premiums paid on a monthly basis.

Individually-buried industrial and commercial households without employees, part-time employees who have not participated in social insurance at the employer, and other flexibly employed persons may directly pay social insurance premiums to the social insurance premium collection agency.

There are a variety of ways to pay <> insurance premiums, which can be decided depending on the specific insurance product. In general, you can choose between cash, bank transfer, credit card or online payment. Cash payment refers to the use of cash payment when the insurance company collects cash to pay the premium, which is generally used when the premium is smaller; Bank transfer refers to the transfer of premiums to the account of the insurance company, which can ensure security, but it is generally not recommended due to the high bank fees; Credit card payment refers to the use of credit cards to pay premiums, which can be convenient and fast, but due to the limited limit of credit cards, Qi Qiao is generally not recommended to use high keys; Online payment refers to the use of online banking or third-party payment institutions such as Alipay to pay premiums, which can be convenient and fast, and can pay large premiums, which is the most commonly used payment method.

Annuity insurance can generally be calculated in the following ways:

1.Determine the annuity insurance plan;

For example, a 1-year-old baby is insured with an education annuity insurance, paid for 10 years and 30 years, and pays a premium of 50,000 yuan per year. It can be paid annually between the age of 15 and 17; It can be received annually between the ages of 18 and 21; Between the ages of 22 and 24, you can receive 52,137 per year.

2.Build excel**;

Enter the header, i.e. policy year, age, cash flow (i.e. premiums to be paid, benefits to be paid).

3.Enter the corresponding number.

Enter the corresponding number at the end of the header, e.g. in order under the policy year; Age belongs to the age of the insured person entered for each policy year; The cash flow is the amount of the current year, if the first year is to pay 50,000 premiums, then enter -50,000, and the fifteenth year is available, then enter.

4.Insert a function.

Select a blank cell in Excel, then click Formula in the navigation bar and select Insert Function.

5.insert the IRR function;

In the "Insert Function" section of the Insert Function, enter IRR directly, and click OK.

6.Select the data for cash flows.

Select all the data in the Cash Flow column and click OK.

7.See the yield.

After clicking OK, the rate of return of the annuity insurance will appear in the blank cell selected earlier.

The rate of return of annuity insurance actually refers to IRR, which can be calculated directly through excel**, different annuity insurance products, because of different functions, cash flow and other factors, so the calculated IRR is also different, and you can calculate it according to your actual situation.