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Except for the inherent risks involved in some occupations, the scope of work injuries also includes commuting and other occasions
Factors such as number of employees, age of employees, industry and nature of work will affect commercial insurance prices, and group prices are hard to come by if a firm buy it separately from insurance companies.
The commercial insurance package offered by many insurance companies is usually bound with a few cost - effective projects, which means hidden increased costs for enterprises.
The sum insured by commercial insurance is not high enough to cover expenses incurred in the event of an employee accident
A large and medium-sized enterprise has a large staff basewith frequent staff turnover, which takes a lot of effort for HR to adjust the insurance list every month
More than 50 percent of them want to have supplemental commercial insurance covered in the corporate welfare system
Critical illness insurance
Reimbursement insurance for outpatient service and emergency treatment
In addition to occupational injuries during normal working periods, death, disability and medical expenses resulting from accidents in daily life are also covered, so as to provide more guarantee for employees
Reimbursable medical treatment costs due to occupational injury and accident fills in the safeguard blank of occupational injury insurance; higher compensation for occupational injury and accident than those similar insurance products in the market, providing more guarantee for employees
"Immediate compensation" allows for immediate pay of sum less than 1000 yuan,and sum over 1000 yuan within 7 working days;no proof of injury is required for small claims;and small claims will be settled within 10 working days
Provide customized solutions according to enterprise needs and budget; including adjustments to commercial insurance and the amount of insurance in a flexible and practical style
As a popular package in the common commercial insurance service, the plan covers accident injury, accident medical treatment, hospitalization allowance and other types of insurance
Up to 800,000 yuan in compensation for accidental death, 200,000 yuan reimbursed for accidental medical expenses, and 160 yuan per day for accidental hospitalization; claim payment is made according to industrial injury evaluation, with a higher compensation for employee casualties than industrial injury insurance
Items guaranteed: occupational injury and accidents on a 24-hour basis; Personnel guaranteed: retired and rehired employees, interns, probation employees, and temporary workers
For cases under 5,000 yuan, compensation is paid within 10 working days; for cases over 5,000 yuan, within 30 working days; and compensation for disability never exceeds 30 working days
Flexible purchasing of multiple-type insurances available; flexible claim settlement allowing enterprises to identify the beneficiary according to actual demands
Support staff changes anytime and anywhere; determine the next month's insurance list at the end of the month, settle premiums monthly, which takes effect from zero o 'clock on 1st of next month. Easy on-line operation
Average monthly premium per person as low as 35 yuan, far lower than similar insurance premiums in the market
Commercial insurance can transfer the risks stemming from the liability an enterprise shoulders for its employees in its interests, offering an additional guarantee for enterprises.
Commercial insurance has a wider coverage and more reimbursement items, enabling staff to be reimbursed for expenses such as medical expenses, lost work expenses and nursing expenses when they have an accident.
Commercial insurance reflects the financial strength of an enterprise and how much it cares for its employees, building a better image of the enterprise and attracting more excellent employees
Multiple supportive policies allowing commercial insurance to be deducted before tax when calculating taxable income in that year (month), with a limit of 2400 / year
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