What are the characteristics of group accident insurance and what is group accident insurance?

Group accident insurance should take into account the interests of the boss and the interests of the employees separately.

Group accident insurance is a type of insurance that the company pays for individuals, so there is still a difference between us and our personal insurance, but unfortunately the group accident insurance I see is selected according to the idea of individual insurance, the most typical is that the boss pays to protect the interests of employees, and the interests of the boss are less. In fact, in the insurance benefits, there are a number of specific benefits such as employee death, disability, outpatient, hospitalization, surgery, etc., among which employee death and disability are the interests of the boss, and employee outpatient, hospitalization, surgery, etc. are the interests of employees, which is not noticed by everyone, including many senior insurance people. Because when an employee dies or becomes disabled, the boss of the company cannot shirk the compensation costs.

Group accident insurance must choose a person who is capable of handling labor disputes.

Group accident insurance is not only a simple employee benefit, but also a means to balance the interests of the company and employees. When an employee is injured in an accident, especially in the event of a personal injury, the insurance claim is almost inevitably accompanied by a labor dispute. Therefore, when the company's insurance personnel have the knowledge of "labor law" and human resources background, they can better help the company and employees solve the problem in advance.

Group accident insurance, the full name is group accident insurance, is a personal accident insurance insured by enterprises in a group way, and its insurance liability and payment methods are the same as personal accident insurance.

The policyholder of group accident insurance must be an organization, and individuals cannot purchase group accident insurance, but can only purchase personal accident insurance. Wondering how to purchase personal accident insurance? You can click to see this article: What should I pay attention to when buying accident insurance? The latest accident insurance list is released!

Unlike personal accident insurance, group accident insurance is insured on a group basis. The policyholder is not a person, but a legal person.

The difference between personal accident insurance and group accident insurance.

Group accident insurance, the full name of group accident insurance, is a personal accident insurance purchased in a group way, and its insurance liability and payment method are the same as personal accident insurance. Information about personal accident insurance can be found here: "Accident Insurance Purchase Guide, these are necessary to know!"

1. Group travel accident insurance

The insurance liability of group travel accident insurance generally includes liability for accidents, disability, accidental injuries and acute medical expenses, and repatriation of remains.

2. Group personal accident insurance

This type of insurance refers to a kind of life insurance that takes the in-service personnel in the organs, groups, enterprises and institutions who are in good health and can work or work normally as the insurance object, and when the insured is disabled or dies due to an accident during the insurance period, the insurer pays the insurance money.

1. The policyholder and the insured are not the same person. The policyholder is an employer or enterprise that existed before the insurance was purchased, and the insured is a member of the unit, an employee of the enterprise, etc.;

2. There is generally no upper limit on the amount of insurance, only the minimum amount of insurance;

3. Compared with individual insurance, the premium is low and the protection is high. Because it is insured by the unit, it reduces the cost of the insurer's management costs, and the insurance ** is reduced;

4. Personnel can be changed at any time during the validity period of the insurance to meet the needs of enterprise personnel flow management;

5. The insurance period is flexible, that is, it can be insured on a monthly or annual basis, or it can be selected according to the actual needs of the project;

6. The procedures are simplified, and one policy can cover hundreds, thousands, or even tens of thousands of people.

7. Physical examination can be exempted, because the vast majority of people in the group are healthy, even if there are old, weak, sick and disabled, some have retired or resigned, so group insurance can basically eliminate the adverse selection tendency of individuals and can be exempted from physical examination.

Group accident insurance generally covers accidental injury (including accidental dismemberment and accidental death), accidental medical treatment, and accidental hospitalization allowance. Generally, accidental injuries must be purchased, which is the main insurance, and accidental medical and hospitalization benefits are supplementary insurances, which can be purchased optionally. The details are as follows:

1. Accidental injury: including compensation for accidental death and accidental disability;

2. Accidental medical treatment: reimbursement of accidental medical expenses, including reimbursement of outpatient and inpatient expenses caused by accidents;

3. Accidental hospitalization allowance: If you need to be hospitalized due to an accident, you will receive an additional amount of money every day.

General accident injury is the main insurance and must be insured; Accidental Medical Treatment and Accidental Hospitalization Allowance are riders that can be purchased with or without the option to purchase them.

The above three types are the basic sum insured of group accident insurance, which can be determined by enterprises according to actual needs. In addition, if the enterprise has a large budget and good benefits, the group insurance includes the superimposed protection for public transportation accidents, illness death, critical illness, supplementary medical treatment, etc.

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Group accident insurance, as the name suggests, is a plan designed for groups to cover all insured members of the same group. When group accident insurance is purchased, everyone shares a group accident master policy.

Group accident insurance has the following characteristics:

Group accident insurance is insured by an organization, such as a school, an enterprise, etc., while the insured is an individual in the organization, such as a student of a school, an employee of an enterprise, etc.

Most group accident insurance is based on the death of the insured as a condition for the payment of insurance benefits, so the insured should be aware when signing the insurance contract.

There is generally no upper limit on the amount of insurance, only a minimum amount of insurance.

Group accident insurance for units reduces costs and other expenses, so the insurance rate will be lower.

The premium for group accident insurance is usually paid in a lump sum on the commencement date of the policy term, after which the policy will become effective.

Since the premium rate of accident insurance generally has little to do with the age and health of the insured, and more depends on the occupation of the insured, and the members of the same group perform basically the same or similar work, and the nature of the risk is also similar. Therefore, compared with life insurance and health insurance, accident insurance is more suitable for group insurance.

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

Summary. Hello, there is group accident insurance, group accident insurance, as the name suggests, it is a form of personal accident insurance that is insured in a group way. The only difference is in the number of insured, general group accident insurance, must be more than 3 people to participate in insurance, so it is more suitable for family underwriting or company underwriting.

Hello, there are group accident insurance, group accident insurance, which is a form of personal accident insurance in a group way as the name suggests. Its insurance liability, payment methods are no different from the general individual insurance accident insurance, the only difference is the number of insured, the general group accident insurance, must be more than 3 people to participate in the insurance, so it is more suitable for the branch family to undertake Li Xiangbao or the company underwriting.

Group accident insurance refers to a type of personal accident insurance that is insured in a group manner. The group accident insurance has a large number of people, and the protection content usually includes the first Wu accidental death insurance and accidental disability insurance, which are two protection items, its rate is fixed, and the number of insured people can choose independently, but the minimum is 3-5 people, and the regulations of different products are different. Moreover, the group accident insurance rate is cheap, usually the enterprise handles it for the employee, when the employee is unfortunately injured in an accident, especially when there is a potato or personal injury accident, the group accident insurance can provide protection for the employee, and at the same time transfer the risk to the enterprise.

Group accident insurance is insurance that provides coverage to members of the group by an insurance company by issuing a general insurance policy. Generally, group accident insurance is purchased according to the occupational category, and it can be purchased by a certain number of people, but this group cannot be temporarily formed because of the need to buy insurance. The benefits of purchasing group insurance can be reflected in the following five aspects:

First: it can stabilize the sustainable operation of the enterprise - when the enterprise unfortunately has an unexpected disaster, group insurance can help the business owner tide over the difficulties, continue to operate, and save the country. Second:

It can reduce the legal liability of the employer - when an occupational accident occurs, group insurance can help you solve the problem of occupational disability and death of employees, and reduce the risk of business operation. Thirdly, it can reduce the turnover rate of employees - through the protection of group insurance, employees who die late or become disabled can receive appropriate care, and the employees' lives are guaranteed, which can naturally reduce the turnover rate and improve productivity.

Fourth: can absorb high-quality employees - excellent talent is the foundation of enterprise development, through the group insurance benefit plan, can absorb excellent talents, win the loyalty of employees, to avoid the loss of talents. Fifth:

The expenditure of group insurance expenses can enjoy tax exemption - each employee, the group insurance premium within 2,000 yuan per month, can be verified and recognized, which not only benefits the employee code difference, but also saves taxes for the company, why not?

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

Group liability insurance and employer's liability insurance.

The difference is manifested in several aspects:1The insured is different, and the insured is an employee.

The employer's liability insurance insured is the company; 2.The risks covered are different, and group insurance covers the risk of accidental injury to employees, regardless of whether they are on the job or not, and there is little difference between buying a personal accident insurance by yourself. Employer's liability insurance is responsible for compensating the company for financial compensation that occurs during working hours and in the workplace (generally as such, but there are other exceptions) that are legally liable to the company.

In other words, the insurance company is responsible for compensating the liability that should have been borne by the company. 3.The effect to be achieved is different, group insurance can be equivalent to a kind of welfare, which can be regarded as the company helping employees pay for an insurance.

Employer's liability insurance is actually an insurance for the company to buy for itself to protect the company's interests. There are many other differences, both group liability insurance companies and property insurance companies, and employer's liability insurance can only be operated by property insurance companies.

Extended Information:1Group Accident Insurance.

i.e. group accident insurance.

It is a type of personal accident insurance that is insured in a group.

The form of insurance liability and payment is the same as that of personal accident injury insurance.

The pace of development of modern enterprises is advancing rapidly, and in large-scale new enterprises, all parts of the link are not playing a role. Separate individual operations build a huge business development and expansion. In humanization, a sense of belonging.

Today, when keywords such as people-oriented have become the general direction of the social and humanistic environment, how to better retain the hearts of employees, enhance corporate cohesion and employees' sense of belonging, has become a topic that leaders must think about.

Group accident insurance is not just a simple employee benefit, but also a balancing act between the company and its employees. When an employee unfortunately suffers an accidental injury, especially in the event of a personal injury accident, let the group accident insurance transfer the risk to the company and provide safety for the employee, so as to achieve a balance between the two parties.

2.Group accident insurance has a fixed rate, and customers can choose how much to insure per person, then multiply by the rate, and then multiply by the number of insureds. Group accident insurance for employees.

The contribution rate is related to the employee's occupational category.

The number of insured people is related to 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 gives.

There are many benefits to purchasing group accident insurance, which is a good protection for both the company and the employees. General group accident insurance is insurance that is issued by an insurance company as a general insurance policy to cover the members of the group. Generally, it is mainly based on group accidents and group accident medical treatment, and major illnesses can be attached, but these are short-term, and the insurance period is at most one year, and some are only a few days or months, such as travel insurance, visa insurance, aviation accident insurance, etc.

For companies, there are 5 benefits to purchasing group accident insurance:

First: stabilize the operation of the enterprise. When an accident occurs, it can be paid according to insurance, which effectively eliminates the situation of cash flow problems caused by employee accidents.

Second, it can reduce the legal liability of the employer and solve the problem of employees' occupational disability and death with the help of group insurance.

Thirdly, it can reduce the turnover rate of employees - through the protection of group insurance, employees can get enough protection opportunities to work with peace of mind.

Fourth: it can absorb high-quality employees.

Fifth: the expenditure of group insurance expenses can enjoy tax exemption - each employee, the monthly group insurance premium of 2,000 yuan, can be verified and recognized, not only for the benefit of employees, but also for the company to save taxes, why not?

For employees, the benefits of purchasing group accident insurance are self-evident: the purchase of group accident insurance for employees by the unit is actually a benefit, because the state stipulates that work-related injury insurance must be purchased for employees, and there is no conflict between work-related injury insurance allowance and accident insurance when making compensation, and only hospitalization expenses will not be repeatedly claimed. In other words, in the event of a more serious accident, the employee can get more compensation.