If the decoration is injured and fractured, if the company s accident insurance does not want to pro

Decoration injury, decoration injury, pants if the control glue accident insurance does not work. Do not want to get married to confirmed information. The renovation injury is over.

If the company pays accident insurance, it does not provide true information. Should go for an inquiry. Renovation authorized employers.

Xiao Huang, I don't want to. It's so talented.

You can check your ID card with the insurance company, why didn't he provide it, and the company should compensate the worker for lost time expenses.

Generally, as long as you pay it, there will be no problem that the company is unwilling to reimburse you, unless you don't pay it. Didn't use your name.

You can check it by going to the insurance company with your ID card.

Bring your ID card and go to the company where you pay to check it.

It has nothing to do with whether the workers themselves are insured or not.

If a renovation worker is injured during construction, whether the householder needs to be responsible depends on whether the decoration company selected by the householder is a regular company and has the corresponding construction qualifications. China's home improvement market is relatively chaotic, and accidents in construction occur from time to time, and the solution of this problem often appears complicated.

First of all, it is certain that in the legal sense, it is not the head of the household who "hires" the renovation company (contractor), but the owner of the household and the decoration company (contractor) belong to the contracting relationship. The head of the household packs his own decoration tasks to the decoration company (contractor foreman), and the construction is organized by him, and the price paid by the householder includes the wages and profits of the decoration company (contractor). Then, the decoration company (contractor) is working for its own business interests, and it is obliged to bear the corresponding safety management and business risks.

One thing that needs to be implemented by the householder is whether the company is a renovation company in the legal sense: does it have a business license? Do you have any decoration qualifications?

China stipulates that home decoration should also be entrusted to enterprises or individuals with decoration qualifications. According to the law, construction enterprises should pay work-related injury insurance and other statutory insurance for their workers, and in the event of an accident, the victim's losses can be compensated by the insurance institution or the construction company, and the owner does not have to worry about it at all. If the construction period is delayed, the decoration company can still be required to bear the liability for breach of contract.

However, if the company is a temporary patchwork construction team without any qualifications and lacks any guarantee for construction safety, then, according to Article 10 of the Supreme People's Court's Interpretation of Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases, "if the contractor causes damage to a third party or its own damage in the process of completing the work, the contractor shall not be liable for compensation." However, if the author is negligent in the ordering, instruction or selection, he shall bear the corresponding liability for compensation.

Generally speaking, it is a legal relationship between the head of the household and the decoration company or the contractor, if the decoration worker found by the contractor is injured at work, and the decoration company or the contractor does not have the relevant construction qualifications, then the householder needs to bear the liability for compensation because of the negligence of the selection.

Go to the payment company to check and bring your ID card.

If the accident insurance purchased by the employer for him includes the insurance liability for accidental medical treatment, he can be reimbursed by medical insurance first, and then reimbursed by medical insurance statement and then by accidental medical insurance.

It cannot be insured together, because both units require invoices and other supporting materials.

You can first use social security medical insurance to reimburse a part, and then reimburse the remaining balance to the commercial insurance company with the documents and the remaining balance of the reimbursement, so as to maximize the reimbursement of the medical expenses spent.

Report medical insurance first, then report the accident insurance of the insurance company.

Hello! Medical insurance is reimbursement-based, so invoices and other materials should be used as evidence. If your company also guarantees a special type of reimbursement, then it must also be an invoice as a voucher, so it cannot be reimbursed together; If your company is insured with an early payment type, then you can.

As for which reimbursement depends on many aspects, first of all, the medical insurance depends on what drugs are used, if it is more imported, it is not cost-effective, medical insurance imported drugs are not reimbursed, if the general medicine is used, it depends on the proportion of work-related injury insurance compensation, just calculate it.

The medical insurance coverage is BAI

Natural diseases and accidental injuries, but DU is a third-party liability, illegal dao, alcoholism, etc. are not reimbursed, business insurance also has a range, allow both to buy if you reimburse two injuries, the two do not conflict, I recommend that you must buy medical insurance, because medical insurance outpatient also reimburses, the premium is between 120 and 150 yuan a year.

Expenses incurred in hospitalization for accidental injuries** can be reimbursed by social medical insurance.

Accidental injury hospitalization**, the reimbursement materials to be prepared for social medical insurance reimbursement include:

1) Original hospitalization invoice;

2) Breakdown of hospitalization expenses;

3) A copy of the discharge record (summary);

4) Accidental injury certificate issued by the medical insurance team for urban and rural residents of the village (community) or township (street) where the household registration is located (can be obtained from the village or community medical insurance manager), which shall indicate the specific time, place and cause of the injury in a truth-seeking manner, and be signed by the injured person or his family;

5) A copy of the outpatient medical record and the initial diagnosis record;

6) A copy of the injured person's ID card, or if there is no ID card, a copy of the household registration book;

7) Two copies of the injured person's real-name passbook in various banks in Jiangshan City, and the contact must be indicated**.

Traffic accidents and other accidents involving a third party, or suicide, drug abuse, drunkenness, fights and other illegal and criminal circumstances, medical insurance will not reimburse, while other accidents can basically be reimbursed. When reimbursement is required for falls, bleeding, fractures, burns and other reasons, the public security or transportation department shall issue a certificate of trauma to prove that the patient has no facts of violating the law or committing a crime and that there is no third-party responsible person.

Hospitalization can be reimbursed, but the amount varies from region to region, and the reimbursement principle of general social security is that the lower the hospital, the higher the reimbursement amount, and the more county-level, regional-level, and provincial-level will report less.

Medical expenses may be reimbursed if it can be proven that there is no third-party liability.

After the occurrence of an insured event, the supporting materials required for the claim should be collected in a timely manner. Generally speaking, the certification materials should include the following categories:

Accident certificates, including accident certificates, disability certificates, death certificates, household closure certificates, etc. When the insured person is disabled or dies as a result of an accident, this type of proof is required to apply for compensation.

Medical certificates, including diagnosis certificates, surgical certificates, outpatient medical records and prescriptions, pathology and blood test reports, receipts and lists of medical expenses, etc. This type of proof is required when the insured person incurs medical expenses as a result of an accidental injury.

Proof of beneficiary's identity and relationship with the insured.

In addition, when submitting the application for insurance payment, the accident should be explained, including the cause, time, place, and process of the accident, and if it is handled by the traffic police and other departments, relevant processing information should be provided. It is important to note that if the insured's occupational classification changes during the coverage period, the insurance company should be notified in time, otherwise the insurance company may refuse to pay or reduce the amount of the claim. For accident insurance claims, you can also refer to here.

If you can buy accidental medical treatment, accidental injury is not, accidental medical treatment and accidental injury are two different concepts.

If you buy accident medical treatment, you can apply for a claim.

If you buy an accident of Chinese life, you can make a claim.

The reimbursement of outpatient invoices in tertiary hospitals is different for each insurance company

Each insurance company has a different claims process, so see which insurance company you're insuring with.

If you buy a Xinhua 360 card, you can get a claim.

Hit the company's ** report the insurance case, collect all the information and submit it to the company. Or contact the salesman.

Hello! You can call the company's customer service to ask.

That's it. Two days ago, the courier Xiao Wang suddenly fainted while sorting out the express mail. As a result, he fell down the corridor on the second floor of the warehouse management office.

Luckily, he was found by a colleague in time and taken to the hospital**. After the doctor's diagnosis, Xiao Wang suffered from heat stroke and fell into a coma. Currently, he has suffered a local fracture and needs to be hospitalized**

And Xiao Wang's unit purchased medical insurance for employees, so Xiao Wang was discharged from the hospitalClaim 100,000 yuan directly from the insurance company.

But after a detailed investigation, the insurance company rejected Xiao Wang's claim. The reason is that heat stroke is an imbalance of natural temperature changes, and it is a disease or accident.

I bought accident insurance, why didn't the "heat stroke" insurance company buy it?

Before answering the question, let's understand what is heat stroke? The so-called heat stroke refers to the excessive accumulation of heat caused by the imbalance of human body temperature regulation caused by high temperature, which eventually leads to damage to nerves and trachea, and then leads to local muscle spasms and shortness of breath in the body. Therefore, from a physiological point of view, heat stroke is a disease caused by high temperatures.

Heat stroke is a disease and is not covered by accident claims. Because accident insurance claims are based on extrinsic, sudden, unintentional and non-disease, heat stroke is not compensated.

If heat stroke occurs, are all insurance not covered?

Of course not. Although "heat stroke" is quite special, in fact, in addition to accident insurance, some insurance will pay, like the following three most common.

1) Medical insurance: If the medical expenses are caused by heat stroke, the medical supplementary insurance and the additional insurance for hospitalization subsidy can be supplemented.

2) Serious illness insurance, caused by heat stroke, which is covered by our company's serious illness insurance, will be compensated accordingly.

3) Work-related injury insurance, in case of heat stroke, you can apply for work-related injury insurance claims. If you are diagnosed with an occupational disease, you can enjoy the corresponding work-related injury insurance benefits.

In conclusion, we must remember that no matter what happens, as long as it meets the four characteristics of accident insurance claims, the insurance company will definitely pay for it.

It may seem to everyone that the insurance company's approach is definitely unreasonable, and the fracture caused by the accident is within the scope of the accident insurance.

It is possible that his accident insurance does not cover this event.

Xueba talks about insurance, focusing on insurance evaluation! What are the best critical illness insurance products for 32-year-olds? Compare and see!

32-year-olds have become the main pillar of the family, bearing the living expenses of the whole family, in addition to repaying the car loan and mortgage, and the pressure from work is also very large, any risk may lead to the whole family in crisis, so for people of this age, the best way to share the pressure is to buy insurance for themselves.

So what kind of insurance is suitable for people of this age? It is recommended to match these:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

Now, the disease has tended to be younger, and 32-year-old people are also very likely to suffer from serious illness, once they suffer from serious illness, the backbone of a family will collapse. What's more, many serious illnesses have a relatively long cycle, and it is also necessary to take into account the cost of later expenses and lost work. So, hurry up and configure yourself with a critical illness insurance protection.

There are many critical illness insurances on the market, and it is not easy to choose the right one, you can take a look at this article I organized:Designed for 32 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020!

2.Medical insurance

People of this age, after purchasing critical illness insurance, the minor illnesses and disasters that can be seen everywhere in life also need to be prevented. Buying a million-dollar medical insurance can leverage millions of dollars a year for only a few hundred yuan a year to solve the part that cannot be reimbursed by medical insurance. In order to help you buy better million-dollar medical insurance for less money, I have compiled a list for you to take a look at:

Freshly baked! Suitable for 1 million medical insurance points to buy around 32 years old

3.Accident insurance

You never know which will come first, the accident or tomorrow, and while it's a phrase that's about to be rotten, it's true. Accident insurance is a type of insurance that everyone should start with, and it is also very low. People at this age do not allow themselves to make any mistakes, and once an accident occurs, they will not be able to continue the responsibility of raising the family.

Therefore, it is very necessary to configure accident insurance.

4.Term life insurance

At this age, you not only have to honor your parents, but also raise your children, and you have to pay off your car loan and mortgage. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and the role of life insurance is to leave a protection for your family when you are unable to fulfill your responsibilities.

After the occurrence of an insured event, the supporting materials required for the claim should be collected in a timely manner.

That's because he bought the wrong insurance, so he definitely won't pay for it.

I think that if this is the case, the person can prepare materials to make a claim.

Because this situation involves whether it is intentional or not, the insurance has a reason not to pay.

It may be that because of his accidental fall, the fracture did not meet the conditions for compensation.

This may be because the circumstances of their injury are very unnecessary, so it will be so.

The reason for the rejection is that heat stroke is an unadaptation to natural temperature changes, and it is a disease and not an accident.

This is because it was not an accident because he did not pay the claim.

Then the company should be fully responsible for the end, the medical treatment that should be paid, the nutrition fee and other expenses can not be less, or these things are done, the employee will be in trouble to sue the labor arbitration department, you will also pay a fine, the compensation to the employee can not be less, think about it.