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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.
Since the insurance rate of accident insurance has nothing to do with the age and health of the insured, but depends on the occupation of the insured, and the members of a group are engaged in work with the same or similar risk nature, compared with life insurance and health insurance, accident insurance is the most qualified to be insured in a group way.
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.
What is covered by group accident insurance.
1) Accidental death benefit.
If the insured suffers an accident and dies within 180 days from the date of the accident, the company shall pay the accidental death insurance benefit according to the amount of the accident insurance and the insurance liability of the insured shall be terminated.
2) Accidental disability insurance benefits.
The Insured suffers an accident and within 180 days from the date of the accident caused by the accident attached to this contract"Degree of disability and benefit ratio"In the event of one of the listed disabilities, the Company shall pay the accidental disability insurance benefit according to the proportion listed in the table multiplied by the amount of the accident injury insurance. If the ** is not completed, the disability appraisal shall be carried out according to the physical condition on the 180th day from the date of the accident, and the accidental disability insurance benefit shall be paid accordingly.
Like the group accident insurance that the company buys for employees, this group business is generally responsible for the personnel of the human resources department of the unit, as the company's employees can directly find personnel to print this electronic policy certificate, which used to be paper policies, and now they are all electronic policies, if the company reserves a mailbox, the group insurance policy purchased by the company will be sent directly to the mailbox you reserve. An electronic policy has the same legal effect as a paper policy.
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Because it is a commercial insurance purchased by the company at the expense of the company, only the company can print the policy certificate.
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Summary. Hello, happy to answer your questions. Employees can request an insurance policy from the company. If the employer does not provide a policy, it can be determined that it is a member of the list of insureds, and it can also make a claim with the insurance company.
What should I do if the company buys group accident insurance and the company does not give the policy?
Hello, Songsen is happy to answer your questions. Employees can request an insurance policy from the company. If the unit does not provide an insurance policy, it can be determined that it belongs to one of the insured's list, and it can also claim compensation from the insurance company.
Employees can check with the insurance travel company through the insured's ID card and the company's name, and can find the list of insureds and the policy contract at the time of application. Once the insurance liability has been determined, the insured (i.e., the employee demolition) can claim directly from the insurance company.
If you don't have an insurance policy, can you sue the insurance company in court for a claim?
You need to find the insurance policy here, dear.
You can check with the insurance company through your ID card and company name, and you can find the list of insureds and the policy contract at the time of application.
If the company and the insurance company are unwilling to cooperate with the insurance policy, what should I do, can I still sue?
It is possible to sue pro, but it is better to have proof that the other party is sued so that there is a great deal of almost pass. Good. Crab crab.
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One, I buyGroup Accident InsuranceExperience
I am a person who loves to travel, that time we traveled to Yunnan, we bought accident insurance, this accident insurance category is accidental injury, very practical. There was a man in our group who sprained his foot.
, he was compensated, so the insurance is affordable and low, and it is a good insurance.
2. Group accident insurance does not have a policy for individuals
Since it is a group purchase, individuals do not have a policy, which is very convenient and fast, and the mobile phone can issue a policy.
3. I know about group accident insurance
I think this kind of insurance is very good, it is a protection, and the cost is very small, I feel that it is necessary to buy some insurance, after all, I don't know which one will happen first, and if you wait until the accident happens, everything will be too late.
People have to think about dangerous times in times of peace, so it is necessary for us to buy a group accident insurance.
Fourth, the purchase of group accident insurance
Group accident insurance.
It is to take the group as the insurance object, apply for insurance in the name of the collective and issue a general insurance contract by the insurer when purchasing group accident insurance, several conditions need to be met, such as the number of people who purchase group accident insurance, the information provided, etc.
Everyone is required to provide an ID number, etc., which is conducive to the issuance of an insurance policy.
5. Benefits of group accident insurance
Modern enterprises are developing rapidly, and the competitiveness between enterprises is also very large. In this era of people-oriented development, talent is the core competitiveness. Therefore, how to make the enterprise develop better, how to retain the hearts of employees, how to enhance the cohesion of the enterprise and the sense of belonging of employees.
It is a topic that must be considered as a leader. It is one of the important parts of modern enterprise human resource management to establish a comprehensive insurance plan for employees, which can provide risk protection for employees and enhance corporate cohesion.
In short, I think that group insurance has many benefits, it is convenient to insure, the cost is low, and the sum insured.
It is a very good insurance variety, and it is recommended that you purchase this type of insurance if conditions permit.
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Bought it, and it has an insurance policy. This kind of insurance is very responsible, and the after-sales service is also very good, it is a very good insurance, should be purchased.
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Bought. There is a policy. This thing is still very good, and it can still protect interests to a certain extent.
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I haven't bought team accident insurance, I have bought personal accident insurance, and individuals can have a policy, right, everyone should have a policy.
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I didn't buy it. Generally, there is none, because the insurance you buy is group insurance, and there is no policy for individuals.
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Summary. Of course, it is unreasonable, if there is a claim, it should be paid directly to the claimant, although it may enter the company's account, but it should be given in full to the insurer.
Dear Glad to answer for you. "Generally not. This is the case with most companies.
If your company is better, it may send you an electronic file, otherwise you will have to ask the person in charge of you. Generally, it is the human resources or administration that are responsible for this kind of procurement."
There is only one group insurance policy, and you can report it immediately if you have an accident.
How much does it cost to pay for accident group insurance?
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 grandchildren) Of course, the more employees the company insured, the more preferential the insurance company will give.
Is it reasonable for the boss to deduct 800 yuan?
Of course, it is unreasonable, if there is a claim, it should be paid directly to the suspect, although it may be blocked into the company's account, but it should be given in full to the insurer.
Is it reasonable to pay 800 yuan for insurance?
800 yuan is certainly unreasonable for one person.
Let your boss make a breakdown.
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Hello, please refer to the following format.
Accident Certificate Format
Accident Certificate Format Accident Statement.
Name of the insurer: Gender: Age: ID number:
Details of the accident: (Please describe in detail the time, place, cause, process, witnesses, handling of the accident, etc.).
Content: Write the time, what accident caused an accidental injury to a certain (ID number), payment: unit name, time.
If it is the company's insurance group, whether it should be managed during working hours, you can write it according to the facts, and you can have an accident at what time and place you want, just like what you said to the doctor, because the doctor will write a diagnosis according to the situation you said when you go to the hospital, and you need to use it when you go to the hospital, as well as the details of the medication, and the insurance company needs to write the accident claim, which is very simple, that is, let you describe the experience.
Continue to ask: I am the company's group accident insurance, I only have to keep the invoice now, and I don't leave the receipt
No, there must be a detailed list of medications, and the hospital will issue a bill with a wide range of bills when you are discharged from the hospital. 'Medical Certificate, Discharge Summary,'
These two things are prescribed by your attending doctor, ask him to stamp it, and then go to the hospital to pay the hail fee at the hospital to stamp the hospital's seal. Prove.
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Summary. Legal analysis: When applying for a claim for group accident insurance, there are many materials required, including copies and originals, and the documents should be determined according to the occurrence of different accidents.
If the beneficiary applies for accidental death insurance benefits, the beneficiary shall fill in the insurance benefit payment application form as the applicant, and apply to the insurer for insurance payment through the policyholder with the following certificates and materials: (1) insurance policy and other insurance certificates (2) beneficiary's household registration certificate or identity certificate; If the beneficiary is not designated, the certificate of legal heir shall be provided for notarization (3) Proof of the identity and household registration of the insured, and the certificate that the insured is an employee or group member of the insured (4) The death certificate of the insured issued by the public security department or a medical institution recognized by the insurer (5) If the insured is declared dead, the beneficiary shall provide the death certificate issued by the people's court (6) The certificate of cancellation of the insured's household registration (7) The nature of the insured accident required by the insurer and the confirmation of the nature of the insured event. Other proof and information related to the reason.
Hello, I'm honored to answer your <>
According to your question [Can I ask for a copy of the group accident insurance company that the company bought has reimbursed the Changji family] Resistant, the following is the result of my analysis for you: The copy cannot be reimbursed.
Legal analysis: The insurance company cannot reimburse the copy of the invoice, because the financial system of the insurance company stipulates that the copy of the invoice cannot be recorded in the account.
Legal analysis: When Tuan Nian Qingshu Shou Shan Accident Insurance declares a claim, there are many materials needed, including copies and the need to return the original, and the documents should be determined according to the occurrence of different accidents. If the beneficiary applies for accidental death insurance benefits, the beneficiary shall fill in the insurance payment application form as the applicant, and apply to the insurer for insurance payment through the policyholder with the following certificates and materials:
1) Insurance policy and other insurance certificates (2) Beneficiary's household registration certificate or identity certificate; If the beneficiary is not designated, the certificate of legal heir shall be provided for notarization (3) Proof of the identity and household registration of the insured, and the certificate that the insured is an employee or group member of the insured (4) The death certificate of the insured issued by the public security department or a medical institution recognized by the insurer (5) If the insured is declared dead, the beneficiary shall provide the death certificate issued by the people's court (6) The certificate of cancellation of the insured's household registration (7) The nature of the insured accident required by the insurer and the confirmation of the nature of the insured event. Other proof and information related to the reason.
The beneficiary shall fill in the application form for the payment of insurance broadband fiber insurance with the following certificates and materials to apply to the insurer for the payment of insurance benefits through the policyholder: Afi (1) Insurance policy and other insurance certificates (2) Beneficiary's household registration certificate or identity certificate (3) Proof that the insured is an employee of the policyholder's unit or a member of a group (4) Appraisal of the degree of disability of the insured issued by a disability identification agency recognized by the insurer (5) Other certificates and materials required by the insurer to confirm the nature, cause and degree of injury of the insured event.
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