Whether the construction accident insurance can compensate for major disability and death without go

If there is resistance to the payment, the safety supervision bureau can urge the solution, and the responsible unit or individual may be punished.

Hello, generally speaking, people who do dangerous occupations such as construction sites are not allowed to insure when applying for accident insurance, so if you tell the truth, you may refuse to pay.

It's an accident, but I hope that the job category required when purchasing accident insurance meets the requirements!

If it is a work-related injury or accidental injury, if the employer fails to pay work-related injury insurance, the employer needs to bear the liability for the compensation of work-related injury insurance.

If the employer has purchased commercial personal accident insurance, it can make a claim through commercial insurance.

However, under normal circumstances, the amount of commercial insurance claims is not as good as the compensation standard stipulated by work-related injury insurance, and the unit should be held accountable for the difference.

Legal analysis: If the conditions for work-related death are met, compensation shall be made in accordance with the provisions of the regulations on work-related injury insurance. Relevant provisions:

If an employee dies on the job, his close relatives shall receive funeral subsidies, pensions for dependent relatives and one-time work-related death subsidies from work-related injury insurance** in accordance with the following provisions: (1) The funeral subsidy shall be 6 months of the average monthly wage of employees in the overall area in the previous year; (2) The pension for dependent relatives shall be paid to the relatives who provided the main livelihood and were unable to work according to a certain proportion of the employee's own salary. The criteria are:

40 per cent per month for spouses, 30 per cent per month for other relatives, and 10 per cent per month for each elderly or orphan who is alone or orphaned. The sum of the approved pensions for dependent relatives shall not be higher than the wages of the employee who died in the course of work. The specific scope of support for relatives shall be prescribed by the social insurance administrative department; (3) The standard of one-time work-related death subsidy shall be 20 times the per capita disposable income of urban residents in the previous year.

Legal basis: "Regulations on Work-related Injury Insurance" Article 39 If an employee dies on the job, his close relatives shall receive a funeral subsidy, a pension for supporting relatives and a one-time work-related death subsidy from the workbench injury insurance** in accordance with the following provisions: (1) The funeral subsidy shall be 6 months of the average monthly wage of the employee in the overall area in the previous year; (2) The pension for dependent relatives shall be paid to the relatives who provided the main livelihood and were unable to work according to a certain proportion of the employee's own salary.

The standard is: 40% per month for spouses, 30% per month for each other relative, and 10% per month for each elderly person or orphan who is alone or orphaned. The sum of the approved pensions for dependent relatives shall not be higher than the wages of the employee who died in the course of work.

The specific scope of support for relatives shall be prescribed by the social insurance administrative department; (3) The standard of one-time work-related death subsidy shall be 20 times the per capita disposable income of urban residents in the previous year. Where a disabled employee dies as a result of a work-related injury during the period of suspension of work with pay, his close relatives shall enjoy the benefits provided for in the first paragraph of this article. Where an employee with a disability of the first to fourth grades dies after the expiration of the period of suspension with pay, his close relatives may enjoy the benefits provided for in items (1) and (2) of the first paragraph of this article.

Summary. Hello, happy to answer your <>

Dear, if you die in an accident at the construction site, after the company compensates, will you pay for the accident insurance you bought? "Yes, construction insurance is usually purchased on the construction site, and the liability includes accidental medical liability, which will pay you compensation, and the accident insurance you personally purchased can still be paid again, but if there is no self-pay part after the construction insurance is paid, the personal accident insurance will not accompany you, because the insurance is compensatory and will not make you money.

In the event of an accidental death on the construction site, after the company compensates, will the accident insurance you buy still pay?

Hello, happy to answer your <>

Dear, if you die in an accident at the construction site, after the company compensates, will you pay for the accident insurance you bought? "Yes, construction insurance is usually purchased on the construction site, and the liability includes accidental medical liability, which will pay you compensation, and the accident insurance you personally purchased can still be paid again, but if there is no out-of-pocket part after the construction insurance is paid, the personal accident insurance will not accompany the excavation, because the insurance is compensatory bridge and will not make you money.

Accident insurance, (accident insurance) is a life insurance that pays insurance benefits after death or disability caused by accidental injury. Accident insurance mainly includes personal accident insurance, group accident insurance, aviation accident insurance, travel accident insurance and other types of insurance, which can be attached to various life insurance contracts as additional insurance. Coverage items include death benefits, disability benefits, medical benefits, etc.

The basic process of accident insurance is as follows: The policyholder pays a certain amount of insurance premium to the insurance company, and if the insured suffers an accidental injury during the insurance period and takes it as a direct or proximate cause, and causes death, disability, medical expenses or temporary loss of working ability within a certain period of time from the date of the accidental injury, the insurance company will pay a certain amount of insurance money to the insured or its beneficiary.

Construction workers are generally classified as occupations of four to five categories, and they should be insured in the form of group insurance.

Prepare the following information to find an insurance company to insure:

List of personnel (nature of work).

Organizational Certificate.

Fill in and seal the group accident insurance application form.

Group accident insurance has a fixed rate, and customers can choose how much to insure per person, then multiply by the rate, and then multiply by the number of insured. Meet or exceed 75% of the total number of eligible members in the group (less than 8 people, 100%). The minimum requirement is 5 7 people, and the high risk is more than 20 people.

The group accident insurance payment rate of employees is related to the occupational category of employees, the number of insured people and the amount insured, 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 treatment) Of course, the more employees the company insured, the more preferential the insurance company will give.

Group accident insurance has a requirement for the age of the insured, and the rate varies depending on the type of occupation. The more dangerous the occupation, the higher the premium. The term is generally one year or less. The coverage is generally accidental disability plus accidental medical treatment.

There are three ways to calculate the premium:

1. Calculated according to the construction area;

2. Collect according to the cost of the project contract;

3. It is charged according to the number of insureds.

It is recommended that you find any property insurance company and ask them to give you insurance advice based on your situation.

Summary. Hello, dear, I am asking the legal advice teacher, I am happy to answer for you!

It should be compensated. First go to the labor bureau to apply for a work-related injury determination, and then you can compensate according to the work-related injury standard.

There must be an appraisal certificate and other claim materials issued by the safety supervision department in order to get the insurance company's claim. If the insurance is fraudulent, the consequences are serious.

Dear, I hope mine is helpful to you, and I wish you a happy life! Can group personal accident insurance claim death caused by illegal construction?

Hello, dear, I am asking the legal advice teacher, I am happy to answer for you! It should be compensated. First go to the labor bureau to apply for a work-related injury determination, and then you can compensate according to the work-related injury standard.

There must be an appraisal certificate and other claim materials issued by the safety supervision department in order to get the insurance company's claim. If the insurance is fraudulent, the consequences are serious. Dear, I hope that the reply of our bureau will be helpful to you, and I wish you a happy life!

Tong quiet. It's a fatal accident.

Can you also make a claim?

As long as you buy insurance, you can apply for a claim<>

But those who have just made a claim say that they can't pay it.

Dear, if you don't settle the claim, you can go to the court to sue<>

He wrote in the verdict that he did not have construction qualifications, and that he died due to illegal construction. No claims will be made.

The insurance company will not make a claim.

Workers who don't know about illegal construction can go to court to sue the insurance company <>ask for custom news].