What is the difference between accident insurance and medical insurance?

Accident insurance, also known as personal accident insurance, refers to the insurance in which the insured pays a certain amount of premium to the insurance company, and if the insured suffers accidental injury during the insurance period, which directly causes disability or death, the insurance company will compensate according to the agreement in the insurance contract. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Second, what is social security industrial injury insurance?

Industrial injury insurance refers to a social insurance system in which workers or their survivors suffer from accidents or occupational diseases at work, or temporarily or permanently lose their ability to work or their lives under certain special circumstances, and the state or society gives them material help. Social security industrial injury insurance implements the principle of no-fault compensation, that is, when workers temporarily or permanently lose their labor force or die due to industrial injuries or occupational diseases, they can enjoy social insurance benefits regardless of the reasons and responsibilities of industrial injuries. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

Third, the difference between accidental injury insurance and social security industrial injury insurance

1, with different security properties.

Social security industrial injury insurance is compulsory by the state, and employers and enterprises must participate in it according to law. Generally speaking, the employees of the employer have social security work-related injury insurance. Once an industrial accident occurs, as long as it meets the relevant provisions, it can basically be reimbursed.

Accident insurance belongs to commercial insurance and is voluntary according to personal wishes. Accident insurance claims are settled in accordance with the contract, with a certain deductible and upper limit of claims, which is relatively low in payout ratio. Personal accident insurance cannot replace social security industrial injury insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

2. The units claiming compensation are different.

Social security industrial injury insurance belongs to group insurance, and the handling unit is the Human Resources Department. When an accident happens to a company employee, he/she should contact the head of the Human Resources Department as soon as possible, and then the Human Resources Department should contact the insurance company to handle the corresponding claim settlement procedures for the injured employee. Accident insurance belongs to personal insurance. When the insured has an accident, the insured or his family members should contact the insurance company directly to prepare for settlement.