Insurance Levels in Insurance Contracts According to the classification of the attributes of the ins

The insurance level is like this, to put it simply, it is to divide several standards for the people in an insurance unit, some have a high insurance amount, some are low, or if the insurance amount is the same, the premium is divided into several standards. If your unit only insures drivers, it will be one level; If you have one driver and one manager, then there are two levels. Some company hierarchies are denoted by , while others are denoted by a, b, and c.

The most common is based on rank. For example, if a unit has made group insurance, the insurance situation is as follows: the insurance amount for the death of 7 executives of the company is 1 million yuan each, 20 department managers are 500,000 yuan, and 150 ordinary employees are 200,000 yuan each.

Then there are three levels of the company's insurance plan. Generally speaking, insurance companies accept no more than 5 tiers unless they are very large enterprises.

This should be in the insurance company's occupational classification table, which is classified according to the degree of danger of the occupation, and the degree of risk is low to high.

1-6), the amount of insurance and insurance rate are different for each level; If the safety factor of the changed occupation is significantly different from that of the previous occupation, the insured needs to notify the insurer and complete the procedures for changing the information.

For example, if the occupation originally belonged to the first three categories of the insurance company's occupation division, but was transferred to the first place in the later changes.

5. For the sixth type of occupation, the insured needs to inform the insurance company and increase the fee appropriately in the future insurance process. If you start with the first.

5. If the sixth category of occupation is changed to the first three categories, the insured must also inform the insurance company to make the change, otherwise he will have to pay high premiums and enjoy low insurance protection. For accident injury riders, if the changed occupation falls within the scope of the insurance company's rejection, the insurance company can terminate the insurance contract and refund the unexpired premium. According to the occupational classification table, if the occupational hazard decreases, the insurance company will refund the unexpired premium from the next day of the acceptance date, and if the risk increases, the insurance company will make up the unexpired premium from the next day of the acceptance date.

In particular, accident insurance, which is different from ordinary life insurance, is not based on the age and gender of the insured, but according to the degree of danger of the insured's occupation.

According to the classification of insurance objects, insurance contracts can be divided into property insurance and life insurance contracts;

Excess insurance and full insurance are classified according to the relationship between the insured amount and the insured value at the time of the accident;

According to the classification of the mode of implementation, insurance can be divided into compulsory insurance and voluntary insurance;

According to the classification of insurance objects, it can be divided into property insurance and life insurance;

According to the classification of risk transfer level, it can be divided into primary insurance and reinsurance;

According to the classification of underwriting, it can be divided into common insurance, compound insurance, and duplicate insurance;

Pure risk refers to the risk that there is only an opportunity to follow the trend and there is no possibility of profit.

According to the classification of insurance objects, insurance contracts can be divided into property insurance and life insurance contracts;

Excess insurance and full insurance are classified according to the relationship between the insured amount and the insured value at the time of the accident;

Categorized according to the mode of implementation.

Insurance can be divided into compulsory insurance and voluntary insurance;

According to the classification of insurance standard cars, it can be divided into property closure insurance and life insurance;

According to the classification of risk transfer level, it can be divided into primary insurance and reinsurance;

According to the classification of underwriting, it can be divided into common insurance, compound insurance, and duplicate insurance;

Pure risk refers to the risk that there is only an opportunity to follow the trend and there is no possibility of profit.