How to buy personal accident insurance for employees, how to buy accident insurance for employees

Group accident insurance is insurance that provides coverage to members of the group by an insurance company by issuing a general insurance policy. Generally, it is purchased by occupational category, and it can be purchased by a certain number of people, but this group cannot be formed temporarily because it is necessary to buy insurance. Taking Ping An as an example, the minimum number of insured persons for category 1 and 3 is 8, and the minimum number of insured persons for category 4 and above is 20.

1. To apply for group personal accident insurance, you should first understand what scope the insurance company's group accident insurance covers, and what are the exemptions from liability, to see whether it is suitable for your needs.

2. Require the insurer to provide a description of the plan and choose the plan that suits him.

3. Prepare relevant insurance information, including a copy of the business license, the organization**, and the list of personnel, including occupation and ID number.

4. Provide cash premiums or online banking transfer or check to pay the premium, and the insurance company collects the premium in advance and underwrites it.

5. After the underwriting is approved, the insurance company prepares the policy and hands over the policy and invoice to the customer.

If the enterprise applies for group personal accident insurance or personal accident insurance for high-risk workers, and the aviation accident insurance for employees on business trips, it can be deducted before tax. However, accident insurance, accidental medical insurance and accidental outpatient insurance purchased for other employees cannot be deducted before tax.

If there are fewer people, you can choose group accident insurance, and if there are many people, you can choose employer's liability insurance.

It is very simple to buy accident insurance for employees, and it is generally necessary to provide basic information such as business license, company organization certificate, official seal, name, ID number, occupational level (type of work) of the insured employee (insured employees are generally required to be more than 5 people).

Employee accident insurance is when an insurance company issues a general insurance policy that provides coverage to members of the group. In general, group accident insurance is purchased by occupational category. In addition, it is important to note that the group cannot be formed on an ad hoc basis, and must reach a certain number of people before it can be purchased.

Enterprise employee accident insurance is a group insurance, the policyholder is for enterprises and institutions, and this itself is also a kind of employee welfare, so the premium of enterprise employee accident insurance is paid by the employee's unit.

Accident insurance is an insurance that can be claimed repeatedly, that is, if you have also bought accident insurance as an individual and your employer has also bought group accident insurance, then you can claim double the sum insured. Moreover, the current one-year accident insurance premium is very cheap, and a good product can be exchanged for top protection for more than 100 yuan, which is very cost-effective!

However, if the budget is really limited, it depends on the protection of the enterprise employee accident insurance purchased by the unit. If the coverage is comprehensive and the sum insured is sufficient, then there is no need to waste any more money.

Workers' group accident insurance can be purchased online, **insured, purchased through **person and purchased over the counter.

2.**Insurance: Call the insurance company** to provide relevant insurance information, and after confirming the information, the insurance company mails the insurance contract to apply for insurance;

3.Purchase through **person: The policyholder can contact the insurance company's insurer, consult the **person and purchase the worker's group accident insurance product;

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 materials.

Method:1Consumers can go to the sales counter of professional insurance companies to buy: fill in the insurance policy, the insurance company will issue an insurance certificate after collecting the insurance premium, and the insurance will take effect.

2.Consumers can also ** insure insurance, such as Ping An of China, etc., consumers complete the insurance information and payment online, and the insurance company issues an electronic insurance certificate to the customer through email or SMS, and the insurance takes effect.

3.Consumers can contact qualified individuals** to purchase. Many consumers have insurance ** people who serve themselves, and consumers can buy through this ** person.

4.You can also buy through a qualified institution: many insurance companies will install the system terminal in the institution, and after the customer provides the insurance information and pays the insurance premium to the institution, the institution prints the insurance certificate to the consumer through the insurance company's system, and the insurance takes effect.

Extended Information:1The insured of employee accident insurance is the employee, which is based on the body of the insured as the subject of insurance, and the insured is entitled to the death, disability, medical expenses or temporary loss of working ability caused by the accidental injury.

2.According to this definition, accident insurance covers death, disability, medical and work stoppage. The risk covered by accident insurance is accidental injury.

Generally, the insurance company's accident insurance product defines accidental injury as "injury to the body caused by an external, sudden, and unintentional objective event as a direct and independent cause".

3.Generally, the insurance company's accident insurance product defines accidental injury as "injury to the body caused by an external, sudden, and unintentional objective event as a direct and independent cause".

If the insured suffers an unintentional, external, or sudden accident during the validity period of the insurance, resulting in physical injury and death, the insurance company shall pay the insurance money in accordance with the provisions of the insurance contract.

Summary. Dear, hello, you can choose an insurance company with a good reputation, log in to the official ** or directly call the company's customer service **** and ask the other party to recommend an excellent salesperson for you; Many insurance companies have also launched online accident insurance services, which is more convenient; Communicate well with the salesperson, tell him the number of participants and age, and ask him to recommend a suitable insurance plan.

Dear, hello, you can choose an insurance company with a good reputation, log in to the official ** or directly call the company's customer service **** to ask the other party to recommend an excellent salesperson for you; Many insurance companies have also launched online accident insurance services, which is more convenient and durable; Communicate well with the salesperson, tell him the number of participants and age, and ask him to recommend a suitable insurance plan.

Can life accident insurance be purchased in the name of the company?

Accident insurance for employees is generally purchased in the form of a group, which can be handled by the insurance company's Yingyan Business Hall or the insurance company's online official website, and each insured is limited to one per insurance period.

Yes, pro, the beneficiary is an employee!

Generally, the accident insurance purchased by the public hosiery company is divided into group accident insurance, BenQ and individual accident excitement insurance. The former takes the company as the policyholder, that is, the boss as the policyholder, and the claim money is also transferred to the company's account.