What scope does social security accident insurance cover?

The claim scope of social security accident insurance mainly includes accidental death, accidental disability and accidental medical treatment. Generally, when the insured suffers from accidental injury resulting in disability or death, the insurance company will pay the insurance money according to the insurance contract.

Accident insurance is personal insurance with death or disability caused by accidental injury as the condition of paying insurance benefits, and its scope includes:

1. When the insured suffers accidental injury and dies, the insurer pays death insurance money.

2. When the insured is disabled due to accidental injury, the insurer pays disability insurance money.

3. When the insured pays medical expenses due to accidental injury, the insurer shall pay for it.

4. When the insured temporarily loses the ability to work due to accidental injury, the insurer shall pay the insurance money to the shutdown insurer.

Characteristics of accident insurance:

(1) Payment of insurance benefits.

In the event of an insured accident, the death insurance premium shall be paid according to the agreed insurance amount, and the disability insurance premium shall be paid according to a certain proportion of the insurance amount.

(2) The basis of insurance premium calculation.

The pure premium of accident insurance is calculated according to the loss rate of the insured amount. This method holds that the probability of accidental injury of the insured depends on his occupation, type of work or activity. Other things being equal, the higher the risk of the insured's occupation, work type and activities, the more insurance premiums should be paid.

(3) insurance period.

The insurance period of accident insurance is short, generally not more than one year, up to three or five years.

(4) Debt reserve.

The liability reserve due at the end of the year is calculated according to a certain proportion (such as 40% and 50%) of the premium income of the current year, which is the same as that of property insurance.

What does the social security contribution base mean?

Social security payment base refers to the social insurance payment base of employees in a social security year. The social security payment base will be determined according to the average monthly income tax declared by employees in the previous year, which is an important basis for paying social security.

After the same payment year is determined, the social security payment base cannot be changed. February to May of each year is the time to declare the social security base of the next settlement year.

There are upper and lower limits on the social security payment base. The upper limit means that the part whose salary exceeds 300% of the average monthly salary of employees in the previous year is not included in the social security base. The lower limit means that if the salary is lower than 60% of the average monthly salary of employees in the previous year, 60% of the average monthly salary of employees in the previous year will be used as the social security base.

I hope the above questions can help you. If you have other legal questions, please consult a professional lawyer.

Legal basis: Article 13 of the Insurance Law of People's Republic of China (PRC), if the applicant requests insurance and the insurer agrees to underwrite it, the insurance contract is established. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time. An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms. An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract. Article 14 After an insurance contract is concluded, the applicant pays the insurance premium as agreed, and the insurer begins to assume the insurance liability at the agreed time.