With the development of society, employers' liability insurance has become an important means for many enterprises to protect the rights and interests of employees. When it comes to purchasing employer's liability insurance, the following aspects are worth paying attention to:
1.Period of Insurance: Ensure that the period of insurance covers the entire operating hours of the business, including normal working hours and overtime. Some insurance products offer 724-hour coverage, while others require additional coverage to cover after-hours hours.
2.Benefits: Carefully understand the coverage provided by the insurance product to ensure that it covers basic benefits such as accidental death, accidental medical treatment, and lost time expenses. In addition, it is necessary to pay attention to whether the accidental medical expenses can be reimbursed with 0 deductible and 100%, and whether the reimbursement of self-financed drugs is extended.
3.Insured amount of lost time pay: Reasonable set the insured amount of lost time pay to ensure that the enterprise does not need to bear excessive financial pressure when employees are unable to work in the event of an accident. Generally, it is recommended that the insurance amount of lost time pay is between 5,000 and 8,000 yuan.
4.Other responsibilities: Find out if the insurance product includes additional benefits such as lump sum compensation and nursing allowance after disability. These benefits provide additional financial support in the event of a serious accident.
5.Convenience of adding or removing employees: Choose insurance products that allow you to add or remove employees, so that enterprises can make timely adjustments according to personnel changes. At the same time, ensure that the settlement cycle of the insurance product is suitable for the financial arrangement of the enterprise, and generally settle once a year.
6.Insurance company reputation and claims efficiency: When choosing insurance products, it is necessary to pay attention to the reputation and claims efficiency of the insurance company. By comparing the policies and policies of different insurance companies, choose an insurance company with high reputation and claims efficiency.
7.Comply with local legal requirements: Understand the legal requirements for employer's liability insurance in your country or region, ensure that the insurance products you purchase comply with the law, and avoid potential legal risks.
In short, when purchasing employer's liability insurance, enterprises should fully understand the coverage of insurance products, insurance periods, premiums and claim conditions, etc., to ensure that the insurance products purchased can meet the actual needs of enterprises. By comparing the ** and policies of different insurance companies, choose the most suitable insurance product to bring comprehensive protection to the enterprise.
8.What is the insurance claim process?
The insurance claim process is actually not complicated, the key is to remember these points!
a. Report the case as soon as possible.
Many parties are very flustered when an accident occurs, and will call the police as soon as possible, and will contact the nearest and dearest people for help as soon as possible, but in fact, reporting to the insurance company also needs to be as soon as possible, which is the first step in insurance claims, and it is also a very important step, remember not to delay.
b. The channels for reporting the case should be clear.
Generally speaking, insurance companies have many channels to report crimes, such as:
Customer service from the insurance company**.
Official app WeChat***
The insurance company's counter at the local branch.
These methods of reporting are recommended to call customer service, because generally speaking, the customer service system of insurance companies is more complete and convenient than other reporting channels, and the communication is clearer, and at the same time, through customer service communication, we can also know more clearly the information that needs to be prepared and the follow-up process steps.
Note that when reporting the case, it is generally necessary to provide information such as the time of the accident, the location of the accident, the accident process, and the medical information for recording
c. The claim materials should be complete.
In order to ensure the smooth progress of our claims, we have sorted out the main three types of claim materials for you:
1) Base material.
Ready-made basic materials are generally ID cards, bank card account numbers, insurance contracts and claim applications, which can be prepared in advance!
2) Proof of identity or relationship.
Generally speaking, the insurance company will require the non-personal claimant to issue a certificate of relationship to ensure that the insurance money can be accurately issued, such as critical illness insurance and medical insurance, which are used for the treatment of the claim, if the insured himself to apply, a notarized power of attorney is generally required, if the life insurance is due to the death of the insured and the claim is claimed, the relationship between the beneficiary and the insured is required.
3) Reports or certificates issued by hospitals or other third parties.
The third type of material is the most critical and important material in the claim process, which is related to whether your claim is eligible for the claim during the claim process.
For example, the compensation of death benefit of life insurance depends on the death certificate and the certificate of cancellation of the insured's household registrationCritical illness insurance requires a diagnosis certificate, a diagnosis certificate, outpatient and emergency medical records, a hospital summary, and relevant medical examination reportsIn addition to outpatient and emergency medical records, hospital summaries and related medical examination reports, medical insurance also needs to see medical expense receipts or split billsAccidental death or accidental medical treatment can refer to the requirements of life insurance death benefit and medical insurance. It should be noted here that an accident certificate is also required for accidental death!
Of course, different insurance companies have different requirements for the collection of materials, and the specific requirements of the insurance company shall prevail.
After completing the above three steps, the next step is to wait for the insurance company's review, including the investigation of the insured accident, material liability, and the determination of losses.
2. Be clear about the refusal!
Many people will be worried about the problem of deliberate refusal of insurance companies when buying insurance, here we can tell you that once the insurance contract takes effect, it will have legal effect, and the act of intentional refusal to pay is to be held accountable by the law.
In many cases, the insurance company's denial of claims is not without reason, and the following matters are the main reasons for insurance denials in general:
a. Failure to truthfully inform and conceal health status in critical illness insurance.
b. Participating in high-risk activities in the accident insurance disclaimer and falsifying accidents.
c. Medical insurance claims due to pre-existing conditions or genetic diseases.
d. The life insurance does not truthfully inform the occupation or health status that the insurance situation is within the scope of exemption.
Welcome to leave a message on the site ** consultation, and will reply within the same day
**: Group hire is a little easier.