100 yuan per year employee accident insurance, what is 100 yuan per year accident insurance

I don't know what type of accident insurance you're buying, so I can't be sure. Accident insurance includes both personal accident insurance and accidental medical insurance. The specific details include what needs to be determined according to the terms of the insurance, and the insurance accident terms and conditions of different insurance companies will vary.

For example, China Merchants Cigna offers you an accident insurance with a premium of only 100 yuan per year, which probably includes compensation for hospitalization such as life accidents, general sports accidents, traffic accidents, etc., and the general insurance amount is within 30,000 yuan. Hospitalization generally does not include examination and hospitalization fees, but only medical expenses. Specifically, it depends on the terms of the insurance.

To give you a simple example, the following is also 100 yuan of accident insurance, if it is an office staff to handle, that is, 100 yuan in the insurance terms can buy 100,000 yuan of insurance, but if it is a high-altitude decoration construction workers to handle, that is, 100 yuan may only be able to buy 5,000 yuan of insurance.

The insurance company has an occupational risk rating table, which is divided into 1 5 levels according to different levels from low risk to high risk, and the higher the level, the more expensive the unit price of the insurance will be. In fact, when the insurance company grafts the risk, it actually needs a certain profit in order to continue the stable business of this more public welfare organization, so I hope that everyone also has a heart to understand the insurance company, just like the boss in the early stage of the business, and I also hope that everyone can handle the 100 yuan employee accident insurance after understanding it clearly, and see if it is in line with their own professional risk assessment.

Hello Answer! We'd be happy to be able to answer for you. What is included in the 100 yuan accident insurance is related to the specific type of insurance you insure, and no matter what type of insurance, their insurance coverage will not be reduced by the amount of premium.

Accident insurance includes comprehensive accident insurance, traffic accident insurance, travel accident insurance, accident injury insurance, accidental medical insurance, etc., the insurance coverage of different types of insurance is not the same, if you want to know what the reimbursement scope of your accident insurance includes, you can consult the customer service of the insurance company or check the contract.

Question: Broken foot and neck, crushed.

I didn't report it.

If there is a limit to the compensation for hospitalization such as traffic accidents, the general insurance amount is within 30,000 yuan. Note that this is an accident only and does not include non-hospitalization. Hospitalization generally does not include examination and hospitalization fees, which refer to medical expenses. Specifically, it depends on the terms of the insurance.

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

Most of the 100 yuan accident insurance per year is a short-term insurance for one year, which mainly covers accidental death, accidental disability, accidental medical treatment, and some products will also include accident insurance hospitalization allowance.

When we buy accident insurance, we should pay attention to these pits, don't step on the monstrous pits in the accident insurance, you must pay attention!

1. 100 yuan accident insurance.

Insurance coverage: 1. Accidental death and disability: compensation for death and disability caused by accidents;

2. Accidental medical treatment: for outpatient or hospitalization due to injuries caused by bumps or cat scratches and dog bites** for reimbursement, there is usually a limit and is generally limited to the use of drugs in social insurance;

3. Hospitalization allowance: The subsidy for hospitalization is generally deductible for 3 days, which usually refers to accidents, and it is necessary to pay attention to the scope of protection;

4. Critical illness.

This is a small amount, if there is a compensation for children's serious illness, some are good, if not, try to buy regular or lifelong serious illness insurance for children.

5. Liability insurance: due compensation for the losses caused by other people or things because the child is naughty.

2. The insurance purchased at the school is generally a card-fold insurance, and the outpatient clinic cannot be reimbursed, of course, if you are hospitalized due to a cold, fever or illness, the deductible will be deductible.

It's $100.

Then it is paid according to the following graded progressive proportions: 50% for the part above 100 yuan to 1,000 yuan, 60% for the part above 1,000 yuan to 5,000 yuan, and 70% for more than 5,000 yuan. The deductible for accidental injury is 50 yuan, and the payment ratio is 80%.

3. Learn to level insurance.

The full name is "Student Ping An Insurance", and the school collects the premiums for general students, and the insured only needs to pay the premium within 100 yuan to obtain a number of protections including accidental injury medical treatment and hospitalization medical treatment.

Student safety insurance refers to the personal accident insurance that takes school students or kindergarten children as the insurance object, and when the insured students or children suffer from accidental injuries as agreed in the insurance contract during the validity period of the insurance, the insurer pays the insurance money within the scope of insurance liability.

4. Medical insurance reimbursement coverage of 100 yuan student insurance.

It is determined according to the amount of student expenses, and the types of drugs it reimburses are also stipulated, and those that are listed by the insurance company will be reimbursed, and those who are not listed will not be reported, so in the event of medical accidents.

You must tell your doctor what drugs you want to reimburse, and you can check with your insurance company for the specific type of medication and the reimbursement rate, as they have relevant documents.

Accident medical insurance, as the name suggests, protects the medical expenses incurred by hospitalization due to accidental injury, as long as the medical expenses incurred by hospitalization due to accidental injury**, they are basically within the scope of protection liability of accident medical insurance.

Accidental Death and Disability: Compensation for death or disability caused by an accident; 2. Accidental medical treatment: for outpatient or hospitalization due to injuries caused by bumps or cat scratches and dog bites** for reimbursement, there is usually a limit and is generally limited to the use of drugs in social insurance; 3. Hospitalization allowance:

The subsidy for hospitalization is generally deductible for 3 days, which usually refers to an accident, and you need to pay attention to the coverage of the insurance; 4. Critical illness: This is less, if there is a compensation for children's serious illness, some are good, if not, try to buy regular or lifelong serious illness insurance for children; 5. Liability insurance: due compensation for the losses caused by other people or things because the child is naughty.

Accidental medical insurance amount: Most accident medical insurance on the market has an accidental medical insurance amount ranging from several thousand to tens of thousands of yuan (there are also some accidental medical insurance with an insurance amount of up to hundreds of thousands), covering outpatient expenses and surgical expenses caused by accidental injury**.

Reimbursement ratio: Accident medical insurance reimbursement methods are divided into two types: limited social security and unrestricted social insurance.

Limit social security, that is, only expenses within the scope of the medical insurance catalogue can be reimbursed, and expenses outside the scope of the medical insurance catalogue need to be paid by the patient.

There is no restriction on social security, that is, the reimbursement is not limited to the expenses within the scope of the social security catalog, but also the expenses inside and outside the social security can be reimbursed, and the scope of social insurance reimbursement is wider and the claim threshold is lower.

On the basis of restricting social security and not limiting social insurance, the reimbursement ratio of different accident medical insurance is also different, as detailed in the insurance contract.

Deductible: Most accident medical insurance on the market has no or only a small deductible, if there is a deductible, it is generally 100 yuan;

Some accident medical insurance deductibles are based on whether the reimbursement is through social security, if it is through social security, there is no deductible, if it is not through social insurance, there is a deductible, please also refer to the insurance contract for details.

The above is roughly all the content of accident medical insurance protection, of course, dad is only talking about the most basic protection of accident medical insurance, some accident medical insurance on the market will also provide other protection, depending on the insurance contract.

The accident insurance of 100 yuan generally only has four insurance liabilities: accidental death, accidental disability, accidental medical treatment, and accidental hospitalization.

1.Accidental death refers to the death of the insured due to accidental injury during the insurance period, and the insurer only pays compensation for the death, and the compensation is the death insurance benefit.

2.Accidental disability refers to the disability caused by accidental injury during the insurance period, and the insurer shall be deemed to have died if the insurer reaches the first level of disability (high disability) according to the "Table of Disability Degree and Insurance Payment Ratio of Life Insurance", and shall be paid according to the death insurance benefit.

3.Accidental injury medical treatment refers to the medical expenses incurred by the insured due to accidental injuries during the insurance period, including outpatient expenses and hospitalization expenses.

4.Accidental Injury Hospitalization Allowance or Accidental Hospitalization Fixed Payment refers to a way in which the insured is compensated according to a certain proportion of the hospitalization caused by the accidental injury during the insurance period.

Summary. Hello dear, happy to answer your <>

: 100 yuan of personal accident insurance is a short insurance, only one year, can insure accidental death of 100,000, accidental medical treatment of 10,000, (100 deductible, 100% reimbursement above 100), hospitalization allowance for 50 days, 0-70 years old can be insured. Accident insurance, also known as accidental injury insurance, is one of the life insurance businesses.

Life insurance with the death or disability of the insured due to accidental injury as the condition for the payment of insurance benefits.

100 yuan of personal accident insurance.

Hello dear, happy to answer your <>

: 100 yuan of personal accident insurance is a short insurance, only one year, can insure accidental death of 100,000, accidental medical treatment of 10,000, (100 deductible, 100% reimbursement above 100), hospitalization allowance for 50 days, 0-70 years old can be insured. Accident insurance, also known as accidental injury insurance, is one of the life insurance businesses.

Life insurance with the death or disability of the insured due to accidental injury as the condition for the payment of insurance benefits.

100 yuan accident insurance includes: accidental death and disability protection, accidental outpatient and emergency medical treatment, accidental illness hospitalization medical protection, the scope of different accident insurance coverage is also different, such as the accident insurance in the coverage of student insurance includes: 1, accidental death and disability:

Including accidents and accidental disability, the insurance liability is to pay disability insurance benefits to students and young children (insured) when they suffer physical disabilities due to accidental injuries. 2. Accidental outpatient reimbursement: including subsidies for outpatient and emergency expenses, which covers a large area, such as physical education class falls, bruises, traffic accidents, gas accidents, animal bites, scalds and other accidents are covered.

3. Reimbursement of accidental hospitalization allowance: If the child is hospitalized due to illness, as long as it does not fall under the limited liability exemption, he can apply for compensation. 4. Hospitalization for accidental diseases

Hospitalization expenses for illness caused by an accident can be claimed. 5. Critical illness insurance benefit: If the insured is hospitalized due to a critical illness, the insurance company can also reimburse it in accordance with the insurance contract.

6. Death due to illness: If the insured dies due to a critical illness, the insurance company will pay the claim.

Looking at the protection in the purchased product, there are many 100 yuan accident insurance, different products, different compensation standards.

The following is an analysis of a 100 yuan Ping An children's insurance 2020 version as an example, 100 yuan contains the protection of accidental death and disability insurance is 50,000 yuan, accidental outpatient medical treatment is 5,000 yuan, inpatient medical treatment is 50,000 yuan, and critical illness protection is 10,000 yuan.

Accidental Death: If the insured dies due to an accident, a compensation of 50,000 yuan will be paid.

Accidental disability: The insured will be paid for the disability caused by the accident at a rate of 10 100%, and 50 million to 50 million yuan.

Accidental medical treatment: Accidents that lead to outpatient emergency or hospitalization** can be 100% reimbursed after social security reimbursement, only 90% can be reimbursed without social insurance, and up to 80% can only be reimbursed without social insurance, with a maximum compensation amount of 5,000 yuan.

Hospitalization: The reimbursement of medical expenses incurred after hospitalization due to accident or illness can be reimbursed 100% after social security reimbursement, 80% can only be reimbursed without social insurance, and if there is no social security insurance, the maximum reimbursement can only be 50%, up to 50,000 yuan.

Critical illness benefit: If the critical illness within the scope of the contract is diagnosed, a compensation of 10,000 yuan will be paid.

Test your anti-risk index, experts will interpret it for you for free!

Auto accident insurance, aviation accident insurance, train accident insurance, ship accident insurance, medical accident insurance, personal accident insurance, including quite a lot, and it is also very protected.

Accident traffic insurance, travel accident insurance, aviation accident insurance, personal comprehensive accident insurance, safety insurance, accidental disability, etc., are all included.

After applying for insurance, if the insured suffers an accidental injury and dies (disabled) due to the same cause within 180 days from the date of the accidental injury, the insurance company shall pay the death (disability) insurance benefit according to the amount of the accident injury insurance, and under certain conditions, the insurance company shall also pay the insurance benefit in proportion to the actual medical expenses incurred by the insured.

The insurance period is one year, the payment amount is 100 yuan, and the insurance amount is 10,000 yuan, of which the personal accident insurance amount is 50,000 yuan, that is, the maximum payment amount for disability or death caused by the accident is 50,000 yuan, and the insurance amount for accidental injury medical treatment is 3,000 yuan.

The so-called "personal accident comprehensive insurance" is a kind of short-term life insurance that takes human life or body as the subject of insurance and accidental injury as the insured event. Any person between the ages of 6 and 65 who is in good health and able to study, live, work or work normally can participate in this type of insurance as an insured.