Meituan rider insurance is the Meituan platform to force riders to take out accident insurance, Meituan riders as soon as they start to take orders will be automatically deducted 3 yuan of insurance premiums, and you need to pay 90 yuan per month. In the event of a traffic accident or accident can apply for claims.
Second, Meituan rider insurance claims range
By the Meituan crowdsourcing contracted by the insurance company and Meituan riders insurance business cooperation agreement, the scope of its claims, including the rider to pick up the order to the next day at 1:30 a.m. during the period of the occurrence of their own accidents and personal property damage caused by the three, specifically as follows:
1. Death and disability compensation (excluding sudden death) )
The maximum compensation limit is RMB 600,000 yuan. Accidental Injury refers to an external, sudden, unintentional, non-disease event that causes bodily injury to the Insured Person, other than the death or disability of the Insured Person caused by the above objective events, sudden death, suicide and self-inflicted injury are not considered as Accidental Injury. Disability will be paid in accordance with the percentage of benefit corresponding to the level of disability.
2. Medical Expenses
(1) Compensation for necessary and reasonable medical expenses incurred for treatment in a hospital, including: registration fee, treatment fee, operation fee, examination fee, medicine fee, material fee, emergency vehicle fee (excluding lost wages); and bed fee during hospitalization.
(2) The maximum compensation limit for accidental medical treatment is RMB 50,000 with no deductible. You are required to go to a public hospital of the second class or above for medical treatment after the accident, otherwise no claim will be paid. 100% of the expenses for medication, examination and treatment within the scope of medical insurance will be covered.
(3) Items and expenses other than the aforementioned "death compensation", "disability compensation" and "medical expenses" are excluded: such as nutritional expenses, rehabilitation expenses, assistive devices, cosmetic surgery expenses, and other expenses. The items and expenses other than "death compensation", "disability compensation" and "medical expenses" are excluded, such as nutritional expenses, rehabilitation expenses, auxiliary aids, cosmetic surgery, cosmetic surgery, restoration surgery, orthopedic surgery, restoration of teeth, dental insertion, nursing care, transportation, accommodation and food, funeral and burial expenses, alimony, maintenance, moral damages, alimony, and expenses of out-of-pocket items and medicines as stipulated by the administration of the social health insurance or other public health insurance in the place where the insurance policy is issued.
3. Third-party death and disability, medical treatment, and physical damage compensation
(1) Third-party personal injury (including death, disability, and medical treatment) compensation is calculated based on the amount of death compensation not higher than the limit of 200,000 RMB per person agreed in the insurance policy for death and disability compensation. Disability appraisal is required to calculate the compensation amount in accordance with the "Personal Insurance Disability Evaluation Standards (Industry Standards)" (CIRC [2013] No. 88).
(2) Third-party accidental injury medical compensation:
Compensation for necessary and reasonable medical expenses for treatment in the hospital, specifically including: registration fee, treatment fee, surgical fee, examination fee, medical fee, material fee, emergency vehicle fee; bed fee during hospitalization (including the third-party lost wages, nursing fee)
(3) Third-party property damage: third-party property damage Part of the compensation amount will be paid at no more than RMB 50,000 after deducting RMB 300 deductible.
Physical damage does not include the following subjects: (1) gold, silver, jewelry, diamonds, jade, jewelry, ancient coins, antiques, antique books, paintings, stamps, calligraphy and calligraphy, works of art, rare metals and other precious belongings; (2) portable communication devices, portable computer equipment, portable photographic and video equipment, as well as other portable devices, equipment; (3) currency, bills, securities and cash value of magnetic cards, integrated circuits (including the use of the Internet). Value of magnetic cards, integrated circuit (IC) cards and other cards; (4) documents, books, charts, technical information, computer software, computer data and other property that can not be identified value.
The above three responsibilities: death and disability, medical, physical damage **** with a coverage of 200,000, beyond the coverage part of the insurance liability termination
From the above claims range, the Mission provides a more comprehensive insurance for the rider, which helps to maximize the protection of the rights and interests of the rider.