Death compensation standard of accidental injury insurance

Legal analysis: personal accident insurance's compensation standard

Death payment: when the insured suffers accidental injury and causes death, the insurer pays death insurance money. Death compensation is full compensation.

Disability payment: when the insured is disabled due to accidental injury, the insurer pays disability insurance money according to the degree of disability. Disability payment is a partial payment, and the maximum is limited to death payment.

Medical compensation: when the insured pays medical expenses due to accidental injury, the insurer will pay according to the actual situation. There is a maximum amount of medical compensation, and the medical insurance for accidental injury is generally not covered separately, but as an additional insurance for accidental injury, death and disability.

Payment of hospitalization allowance: when the insured temporarily loses the ability to work due to accidental injury, the insurer pays the shutdown insurance money.

Legal basis: Article 12 of the Measures for the Administration of Insurance Clauses and Insurance Rates of Life Insurance Companies refers to life insurance with death, disability or other accidents as the conditions for payment of insurance benefits.