Summary of knowledge of accident insurance

Accident Insurance group accident (2711)

No fewer than 5 people
Insured: 16-65-year-old natural person insurance Liability

(1) Disability: death within 180 days of the occurrence of the accident
(2) Medical care: Maximum insured 50,000
(3) Subsistence allowance: Each person's insured amount per day

Casualties not exceeding 500,000 deductible #:

100,80% Rates

(1) Number of persons, coefficient of response
(2) Occupation, view occupational classification list
(3) additional insurance coverage

(1) Hospitalization allowance: 100 yuan/day
(2) Disease outpatient medical care; disease hospitalization Benchmark rate table

(1) Occupation

category	Casualties	Medical
One	0.8	2.4
Two	1.1	3.6
Three	1.5	4.8
Four	2.4	7.2

-Four or five categories of people less generally do not, more people can be considered

(2) Number of persons

number	more than 30 people	more than 100 people	more than 500 people	more than 1000 people	more than 5000 people	10000 or more
Adjustment factor	0.95-1	0.9-1	0.85-1	0.8-1	0.75-1	0.7-1

NotesTeacher, student (short term): Casualty 1, Medical 3. Restaurant, KTV (long-term): casualties 0.9, medical 2.4 in the premise of the guarantee of the main risk, from the additional insurance premium short-term no subsistence allowance group means a person up to 500,000, medical additional insurance up to 50,000 Personal Accident Rates

(1) Occupation
Rate table is for reference only, in the actual process, the rate is generally lower than the table

category	Casualties	Medical
One	1.2-1.4	1.5-3.0
Two	1.4-2.0	3.0-4.5
Three	2.0-3.0	4.5-6.0
Four	3.0-4.2	6.0-9.0
Five	4.2-6.5	9.0-13
Six	6.5-9	13-16

* Category: Casualty 0.8, medical 2.4 remark Short-term personal accident generally do not do-in the territory to do personal tourism accidents, foreign countries to make personal accidents (no medical additional insurance) Special Note: There are several people, accidental injury ... Yuan, accidental medical ... Insured amount of accidental injury ... Yuan, accidental injury medical insurance amount ... Yuan
(only these two risks, the hospitalization allowance is specifically stated, not written in this item) personal travel If you want to travel abroad, you should choose to leave the accident insurance Road passenger carrier liability insurance

Passenger carrier insurance-generally reported to the group, one or two vehicles are not insured, a school bus can also be insured, the premium in the million 5-million 6 or so