Death and total disability are the most basic responsibilities of accident insurance, and death directly pays the insured amount. In the case of accidental disability, disability appraisal is needed for claim settlement. The appraisal results are divided into ten grades according to the Appraisal Standard of Life Insurance Disability jointly formulated by insurance institute of china and China Forensic Medicine Association, and the ratio is 10%- 100%.
However, although death and major accidental disability are the most basic and important responsibilities of accident insurance, the probability of occurrence is relatively small. More people need surgery and bed rest after accidents, which has seriously affected their daily lives. But they can only pay for accidental medical treatment, which highlights the importance of accidental medical treatment. Hospitalization allowance is a supplement to accidental medical treatment, which solves medical expenses, and accidental hospitalization allowance mainly compensates for work losses. This can ensure that after the accident, the family's economy will not be affected, and you can have a better mood and recover faster.
Knowing that accident insurance is so important, it is very necessary for people engaged in high-risk occupations to buy an accident insurance. But can electricians buy accident insurance like ordinary people? Do aerial workers have any special requirements when purchasing?
Actually not everyone can buy accident insurance. The insurance company divides the occupational risk of the insured into six grades, and the risk increases from 1 -6. Basically, all accident insurance can cover 1-3 occupations, and some can cover 4 occupations. If the insured's occupation changes, it shall notify the insurer within the agreed date.
Electricians belong to 4-5 categories within the personnel risk level of various insurance companies, and different companies will have certain differences. If it is an insurance, the general insurance company may not cover it unless it is a group insurance, but the rate will be slightly higher and there will be an additional deductible. Therefore, electricians like Xiao consult the company for accident insurance as soon as they take up their posts, and insure their own safety through the company.
Accident insurance should be customized according to different people and choose the accident insurance that suits you. If you want to fully protect yourself, you can also consider buying critical illness insurance, medical insurance and life insurance. According to the family's protection plan, consider the insurance amount, premium and different needs, and choose the protection plan that is most suitable for yourself and your family.