Categories 1-3 are low-risk occupations:
One category of occupations is basically sitting in an office. For example: cashiers, accountants, teachers, civil servants, farm operators (not working in person).
The second type of occupation is clerical, such as: salesman, salesperson, farm operator (personal work).
The third category is staff who frequently go out on business. For example, trolley drivers, farm machinery operators, maintenance personnel.
Category 4: Moderately Hazardous Occupations
Category 4 occupations are generally those that require physical labor such as truck drivers, general laborers.
Category 5-6: Highly Hazardous Occupations
Occupations in category 5 are those that involve working at heights or workers who operate machinery etc. Such as turners, millers, construction personnel, etc.
Category 6 occupations whose accidents do not necessarily happen more often, but once the situation will be very serious industry. Such as oil pipeline cleaners. Also includes some police officers, armed police, pilots and so on.
Seven types of occupations
Seven types of occupations are industries that insurance companies explicitly refuse to cover. For example: miners, blasting workers, etc.
Expanded:
Different Occupational Insurance Configurations:
When taking out an insurance policy, the insurance company will ask for the classification of occupational groups, and different insurance products have different requirements for occupational classification. Generally speaking, accident insurance has the highest requirement for occupational classification, which is related to whether it can be insured. Medical insurance will affect whether it can be underwritten or not, and critical illness and life insurance will affect the premium and the amount of coverage.
The following are the occupational classification requirements for different types of insurance products.
1, accident insurance
By occupational classification is the most significant impact, most accident insurance will be limited to occupational classification of 1-3 categories, meet the 1-3 categories of people can be insured, 4-6 categories of people can not be insured.
Occupational Requirements for Online Accident Insurance:
Most accident insurance is most significantly affected by occupational classification, and most accident insurance policies are limited to occupational classification 1-3, with those who are eligible for 1-3 being able to take out a policy, and those who are eligible for 4-6 not being able to take out a policy. A few products can cover up to category 1-5 and 1-6, but the premium will be higher and the sum insured will be lower.
2, medical insurance
Can be insured but will be affected by the occupational classification, most of the products require the insured occupational classification of 1-4, and will emphasize the change of occupational categories to non-1-4 categories to do the change application. There are a few products that can be underwritten, especially offline for manual enrollment.
3, critical illness insurance
Occupational category for the impact of insurance is a little smaller than the medical insurance, most of the products will focus on the scope of coverage in the 1-4 categories, some products allow 1-6 categories of insurance. Overall, if you want to allocate coverage is able to find products, premiums and coverage will be affected.
4, life insurance
Life insurance compared to the above three products, for the occupational classification less restrictive. Most of the products can cover 1-4 categories, and some of them can cover 1-6 categories. Many of the life insurance products on the market today have less restrictive occupational classification requirements, and only restrict some occupations within the 5-6 occupational categories.
People's Daily Online - First Occupational Classification Specification Takes Shape Insurance Rates Will Be Determined By Job Type
Baidu.com- -Commercial Insurance