The construction company gave more than 40 workers at a construction site a collective purchase of e

Hello! For many construction workers, because the accident risk of the main working environment is much higher than that of other occupations, it is very necessary for construction companies to insure life accident insurance for workers in order to protect their personal accident risks. Due to the high occupational category of construction workers, it is undoubtedly the most effective and cost-effective option for construction companies to insure them with group accident insurance.

As for how construction companies can purchase suitable employee group accident insurance for them, it is recommended that you can do it through professional insurance channels: How can construction companies purchase suitable employee group accident insurance for construction workers?

1. Before and after taking out group personal accident insurance, it should be clearly declared to workers in an appropriate way.

2. Information such as the number of insured construction workers, the demand for insurance or the cost budget shall be provided; You need to fill out an application form, provide a list of employees, and pay by cash or check;

3. If there is any change in the number of construction workers after the insurance, the insurance company should be notified in writing within 10 days to approve the contract for relevant matters to avoid unnecessary claims disputes caused by negligence.

4. The beneficiary should be clearly designated, mainly the beneficiary of the death insurance benefit.

Construction companies need a professional online group accident insurance platform for construction workers to purchase suitable employee group accident insurance, which is undoubtedly your best choice.

Today, when keywords such as humanization, sense of belonging, and people-oriented have become the general direction of the social and cultural environment, group accident insurance is not only a simple employee benefit, but also a means of balance between the company and employees. When an employee unfortunately suffers an accidental injury, especially in the event of a personal injury accident, group accident insurance can not only transfer the risk for the company, but also provide safety for the employee. If you want to purchase employee group accident insurance, you can contact the official customer service of Ping An Accident Insurance**95511-5 for consultation.

Generally, construction sites are insured for collective accidents.

One of the accident insurances.

Generally, it is a construction site accident insurance and does not include lost time pay.

The scope of compensation is as follows:

1. Disability benefits.

When the insured becomes disabled due to an accident during the insurance period, the insurance company will pay the corresponding disability insurance benefits to the insured according to the agreement after assessing the insured's disability or disability level caused by the accident.

2. Death benefit.

When the insured dies due to an accident during the insurance period, the insurance company will pay a lump sum death insurance benefit according to the contract, and the insurance contract will be terminated at the same time.

3. Medical benefits.

When the insured needs to seek medical treatment due to an accident during the insurance period, resulting in a series of reasonable and necessary medical expenses, the insurance company shall bear the corresponding insurance payment liability in accordance with the contract.

4. Payment of hospitalization allowance.

When the insured needs to be hospitalized due to an accident during the insurance period**, the insurance company will pay a fixed amount of hospitalization allowance for the insured every day according to the agreement. Hospitalization allowance is usually set with a maximum length of stay, such as 90 days or 180 days.

5. Disability payment.

When the insured loses the ability to work and interrupts his income due to an accident during the insurance period, the insurance company will pay the insurance money on a monthly basis within the period agreed in the contract to compensate the insured for the loss of salary income.

Extended information: 1. Accident insurance, as long as the insured suffers an unintentional, external or sudden accident during the validity period of the insurance, resulting in his physical injury and disability or death, he can apply for compensation. However, the relevant information of insurance must be informed to the insured and in the form of an announcement at the construction site.

Posted, the announcement time shall not be less than 30 days.

2. In accordance with the Insurance Act

The insured may designate a beneficiary, and the policyholder may also designate a beneficiary. However, if the policyholder designates a beneficiary, the consent of the insured shall be obtained. In other words, the construction company is handling the accident insurance for construction workers.

, a beneficiary may be named for the construction worker, subject to the consent of the construction worker. Without the consent of the construction worker, the designation is invalid. In practice, most construction enterprises will not inform the construction workers that they have taken out the construction workers' accident insurance, and after the accident, the insurance money of the claim will be used to offset the compensation for the work-related injury insurance.

The insurance you are talking about is group accident insurance, and the coverage is stipulated in the terms of the insurance. In general, there will be no compensation for lost work, and there will be disability pay, nursing allowance, etc.

Group accident insurance is suitable for construction sites, and accident insurance is generally characterized by the proportion of death and disability caused by accidents, and the rate is lower. There is also insurance for medical expenses for accidental injuries, which can also be used as group health insurance or as accident insurance. The insurance company's coverage generally includes disability benefits, death benefits, and medical expenses.

Group accident insurance should not cover lost time pay.

Coverage for lost time pay, employer's liability insurance.

Hello! If it is a group accident insurance, there are generally 3 types of coverage: accidental death and disability, accidental medical treatment and accidental hospitalization allowance, and no lost time pay.

If it is an employer's liability insurance, there are the same 3 considerations, and it may also include lost time pay. So it depends on what kind of insurance product it is.

The insurance company compensates for collective accident insurance, which does not include lost time pay, which is paid by the construction site owner

General accident insurance does not include lost time pay, which needs to be borne by the enterprise.

Summary. The Insurance Law clearly stipulates that in life insurance, only the insured and the beneficiary have the right to claim insurance compensation. Article 39 of the Insurance Act:

The policyholder is the employee with whom the employee has an employment relationship to take out life insurance, and the person other than the insured and his close relatives is designated as the beneficiary. Paragraph 5 of Article 12 of the Insurance Law: The insured refers to the person whose property or person is protected by the insurance contract and enjoys the insurance money.

Article 26 of the Insurance Law (Statute of Limitations): The statute of limitations for the insured or beneficiary of life insurance to claim payment of insurance benefits from the insurer is five years.

Uh-huh, thanks.

Hello, construction workers have not signed a contract with the company, and generally cannot buy group accident insurance.

Pro, individuals cannot buy group accident insurance, one is because a business license is required when applying for insurance; Second, individual employment is illegal employment. Enterprises buy group accident insurance mainly because they are worried about the work-related accidents of employees, but there are actually two ways to solve them. The second is to go through labor dispatch, and employees are attached to labor service companies.

At present, labor service companies in some areas can rent potatoes for employees and pay separate work-related injury insurance, or they can also purchase employer's liability insurance or group accident insurance for employees who are buried in their hands, so labor dispatch may be the most feasible method now.

The legislation of the Insurance Law clearly stipulates that in life insurance, only the insured and the beneficiary have the right to claim insurance compensation. Article 39 of the Insurance Law: The insured shall take out life insurance for the employee with whom the employee has an employment relationship, and designate the person other than the insured and his close relatives as the beneficiary.

Paragraph 5 of Article 12 of the Insurance Law: The insured refers to the person whose property or person is protected by the insurance contract and enjoys the insurance money. Article 26 (Statute of Limitations) of the Baozhen Insurance Law:

The statute of limitations for the insured or beneficiary of life insurance to claim payment of insurance benefits from the insurer is not less than five years.

I didn't sign a labor contract with anyone, and I was injured while working on the construction site, and the company said that it was possible to buy group insurance?

This is unlikely.

Due to the particularity of the work, the workers working on the construction site are faced with a very high risk of personal accidents, and it is recommended that workers purchase a personal accident insurance for themselves as soon as possible. What personal accident insurance is good for workers to buy.

If the number of employees changes after the insurance, the insurance company should be notified in writing within 10 days to approve the contract to avoid unnecessary claims disputes caused by negligence in work. If it is purchased by an individual, then the high-risk occupational accident insurance is preferred, because the work on the construction site belongs to the high-risk occupational group. What personal accident insurance is good for workers to buy.

High-risk occupational accident insurance is the best choice, more accurate protection services, please contact our customer service staff 4006-366-366, provide us with detailed information, we will according to your needs, to the insurance company to customize the right personal accident insurance products for you. Jixiang High-risk Occupational Accident Insurance Basic Plan (Type 5) Coverage Content: *Tailor-made for 5 types of occupational groups*Accidental death, disability, burns and scalds compensation are 100,000 yuan*Accidental medical treatment enjoys 10,000 yuan Xun Tangerine compensation as low as:

Sou 1020 yuan auspicious high-risk occupational accident insurance basic plan (6 types) coverage content: * Tailor-made for 6 types of occupational groups * Accidental death, disability, burns compensation is 100,000 yuan * Accidental medical treatment enjoy 10,000 yuan compensation as low as: 1,300 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. The full name of construction group accident insurance is group accident insurance for construction personnel, citizens who are over 16 years old to 65 years old, in good health and can work normally, and who are engaged in management or operation at the construction site and have established a legal labor relationship with the construction enterprise can participate in the insurance as insured.

The full name of the construction group accident insurance is the group accident injury insurance for construction personnel, and citizens who are at least 16 to 65 years old, who are in good health and can work normally, and who are engaged in management or operation at the construction site and have established a legal labor relationship with the construction enterprise can participate in the insurance as insured.

Insurance liabilityDuring the validity period of the insurance liability, if the insured suffers an accidental injury accident at the construction or decoration construction site or in the designated construction and living area, the insurance company shall bear the insurance liability according to the following agreements: if the insured dies within 180 days from the date of the accident with the accident as a direct and separate cause, the insurance company shall pay the death insurance benefit according to the insurance amount of the insured specified in the insurance policy, and the insurance liability of the insured shall be terminated. Accidental Disability InsuranceIf the insured suffers one of the degrees of disability listed in the "Table of Disability Degree and Payment Ratio" attached to this main insurance contract due to the accident within 180 days from the date of the accident, the insurance company will pay the disability insurance benefit according to the benefit ratio listed in the table multiplied by the insured amount specified in the insurance policy.

If the accident has not been completed on the 180th day from the date of the accident, the disability insurance benefit shall be paid according to the physical condition of the accident on the 180th day from the date of the accident. If the insured suffers from the same accident and suffers two or more degrees of disability listed in the "Table of Disability Degree and Payment Ratio", the insurance company shall pay the sum of the disability insurance benefits of each item. However, when different disability items belong to the same limb, only one disability insurance benefit will be paid; If the disability level of the disability item is different, the disability insurance benefit for the more serious item will be paid.

If the disability caused by the accident is combined with the previous disability and can be entitled to the more serious item disability insurance benefit, the disability insurance premium paid in the previous event shall be deducted according to the standard of the more serious item, but the disability insurance premium paid in the previous time (the disability listed in the "Disability Degree and Payment Ratio Table" caused by the insurance application before the insurance application or caused by the exemption of liability is deemed to have paid the disability insurance benefit). The sum of the above accidental death benefits and accidental disability insurance benefits paid by the insurance company shall be limited to the insured amount stated in the insurance policy; Regardless of whether the physical disability is caused by one or more accidental injuries, the insurance liability of the main insurance contract for the insured shall be terminated when the accumulated insurance benefits reach the insured amount specified in the insurance policy.

Summary. Hello dear! We'll be happy to answer for you. <>

The insurance methods of workers' group accident insurance include online purchase, **insurance, **purchase, and over-the-counter purchase. 1. Online purchase: The policyholder can log in to the insurance company** or platform, select group insurance for insurance, fill in and submit information, and then complete the insurance online; 2. **Insurance:

Call the insurance company** to provide relevant insurance information, and after confirming the information, the insurance company mails the insurance contract for insurance; 3. Purchase through ** people: the policyholder can contact the insurance company's insurance company's ** person, consult ** person, and purchase accident insurance products of employee groups; 4. Over-the-counter purchase: The person in charge of the enterprise applies for insurance at the counter of the insurance company's business outlets, communicates face-to-face, and submits insurance information.

How to buy group accident insurance on the construction site.

Which insurance company is advantageous? **Affordable. Buy for a month. Group accident insurance.

Hello dear! We'll be happy to answer for you. <>

The insurance methods of workers' group accident insurance include online vertical purchase, **insurance, **purchase, and counter purchase. 1. Online purchase: The policyholder can log in to the insurance company** or platform, select group insurance for insurance, fill in and submit information, and then complete the insurance online; 2. **Insurance:

Call the insurance company** to provide relevant insurance information, and after confirming the information, the insurance company mails the insurance contract and calls for insurance; 3. Purchase through ** people: the policyholder can contact the insurance company's insurance company's ** person, consult ** person, and purchase the accident insurance product of the employee chain spine group; 4. Over-the-counter purchase: The person in charge of the enterprise applies for insurance at the counter of the insurance company's business outlets, communicates face-to-face, and submits insurance information.

It is recommended to choose Ping An Insurance Company's group accident insurance products, ** cost-effective protection is more comprehensive, and Chi Pants Dust is a group accident insurance worthy of configuration earlier by Mu Chun.

Applying for Ping An Group Personal Accident Insurance, not only is it convenient and fast, you can also get at least 15% discount, but also provide full assistance in claim settlement services in the later stage. Including accidental death, accidental dismemberment, accident allowance, etc.