What's the difference between group accident insurance and industrial injury insurance in social security?

First, the purchase cost is different.

General group accident insurance is around 200 yuan per person per year.

Social security work-related injury insurance varies from 50- 100 per person per month. (according to industry and number of people)

Second, the scope of protection is different.

Work-related injury insurance is the "one insurance" in the five insurances and one fund of social security, and its main responsibility is to reimburse medical expenses incurred due to injuries in the course of work; Industrial injury insurance must be at work, at the workplace, for work reasons, and only for medical expenses, and now it is not included in the scope of industrial injuries on the way to and from work.

Group accident insurance is to reimburse all the insured for all medical expenses caused by accidents, and at the same time, if the insured causes disability, it can also compensate the disability allowance in proportion.

Moreover, group accident insurance is regardless of time, place and cause of injury. No matter what reason and where you are injured, as long as it is caused by unexpected circumstances (except illegal and criminal cases), you can pay for it 24 hours a day. Group accident insurance can be reimbursed after the reimbursement of work-related injury insurance 1 time.

Third, the amount insured is different.

The highest hospitalization medical expense of group accident insurance is 654.38+0 million, and the death is 654.38+0 million.

Within the scope of industrial injury insurance, the hospitalization medical expenses are fully reimbursed, and the death rate is about 600- 1 10,000.

Group insurance in commercial insurance includes not only group accident insurance, but also group supplementary medical care, group major illness, group enterprise annuity and so on, which are basically paid by enterprises before tax.

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