The company wants to buy accident insurance for its employees, how should it buy it?

1. Consumers can buy at the sales counter of professional insurance companies: fill in the insurance application form, and the insurance company will issue an insurance certificate after receiving the insurance premium, and the insurance will take effect.

Second, consumers can also apply for insurance online, such as China Ping An website:/official/login, etc. Consumers complete the insurance information and pay online, and the insurance company will issue an electronic insurance certificate and send it to the customer by email or SMS, and the insurance will take effect.

Third, consumers can contact qualified personal agents to buy. Many consumers have their own insurance agents, and consumers can buy through this agent.

Fourth, it can also be purchased through a qualified agency: many insurance companies install system terminals in the agency, and after the customer provides insurance information and delivers the insurance premium to the agency, the agency prints the insurance certificate to the consumer through the insurance company system, and the insurance takes effect.

The insured of employee accident insurance is an employee. It takes the insured's body as the subject matter of insurance, and pays insurance benefits based on death, disability, medical expenses or temporary incapacity caused by accidental injury.

According to this definition, accidental injury insurance includes death payment, disability payment, medical payment and shutdown payment. The risk covered by accidental injury insurance is accidental injury. Usually, accident insurance products of insurance companies define accidental injuries as external, sudden and unintentional objective events that directly and independently cause physical injuries.

Usually, accident insurance products of insurance companies define accidental injuries as external, sudden and unintentional objective events that directly and independently cause physical injuries. If the insured suffers from unintentional, foreign or sudden accidents during the insurance validity period, resulting in physical disability or death, the insurance company shall pay the insurance money according to the provisions of the insurance contract.

Accidental injury must meet the following requirements:

1, caused by external factors, refers to accidents caused by external factors of the insured's body, such as car accidents, being attacked by gangsters, drowning, food poisoning, etc.

2, sudden, refers to the accident caused in an instant, without a long process, such as falling into the water, getting an electric shock, falling, etc. Occupational diseases are not accidents, because injuries are gradually formed and can be foreseen and prevented.

3. Accident refers to the accidental and unintentional accident of the insured, such as plane crash. Other accidents are foreseeable or avoidable, but they cannot be avoided because they are irresistible or unable to perform their duties. They should also be included in the scope of "accidents", such as ships being forced to jump into the sea to escape from the fire, bravely fighting gangsters and being injured.

4. Non-disease, the injury caused by disease, although I can't predict it in advance, is the result of the human body itself, not by accident. Such as cerebral hemorrhage and unconsciousness.

5. If it is physical injury, the object of accidental injury must be the body part of the insured, and the injury fact is established (for example, the body is not injured by electric shock, and the injury fact is not established).

What problems should be paid attention to when insuring group accident insurance?

1. Before and after applying for group accident insurance, it should be clearly stated in an appropriate way, which is a way to improve employee welfare. exist

In real life, after the death and disability accident, the focus of solving the problem is exactly how much to pay. Therefore, Tongcheng Insurance believes that it should be clear that this is a declaration to improve employee welfare, which is necessary and appropriate, and reflects the management's care and love for employees.

2. Information such as the number of insured employees, occupation or type of work, insurance demand or expense budget shall be provided; You need to fill out an insurance application, provide a list of employees, and pay by cash or check.

3. If the number or type of work of the insured employees changes after insurance, the insurance company shall be informed in writing within 10 days, and relevant matters shall be corrected in the contract to avoid unnecessary claims disputes caused by negligence.

4. The beneficiary should be clearly designated. It is mainly the beneficiary of death insurance, and there is no designated beneficiary. The insurance premium shall be divided according to the legal succession procedure. Clearly specifying the beneficiary can reduce the energy of post-processing after insurance, and if you want to change the beneficiary, you should inform the insurance company in writing in time.