The difference between business accident insurance and social security industrial injury insurance

Accidental injury commercial insurance refers to a life insurance contract in which the insurer promises to pay the insurance money according to the agreement when the insured causes physical injury, disability or death due to unexpected reasons.

Social security's industrial injury insurance mainly pays for death and disability, and only units with five insurances will have this protection. If an employee dies at work, his immediate family members shall receive funeral subsidies, dependent relatives' pensions and one-time work-related death subsidies from the industrial injury insurance fund in accordance with the following provisions.

The difference between industrial injury insurance and commercial insurance;

First, the industrial injury insurance in social security is basically paid after the company becomes a regular employee, and the scope of protection is accidents during work or on the way to and from work.

Second, the specific reimbursement of industrial injury insurance and commercial accident insurance should be based on the employee's accident situation and the insured's situation. The general principle is that the total reimbursement cost is 100%, that is, it does not exceed the actual expenditure.

Three. Social security industrial injury insurance belongs to group insurance, and the handling department is the Human Resources Department.

Four, work-related injuries and business accident insurance refers to accidents, but does not include hospitalization.

5. If the company has an accident, it must inform the HR supervisor or HR assistant as soon as possible. The Human Resources Department is responsible for contacting the accident insurance company and handling relevant procedures for injured employees in time.

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