1, pay attention to the basic guarantee
The most basic group accident insurance generally includes three kinds of insurance liabilities: accidental death, accidental disability and accidental medical treatment. For companies with sufficient budget and wishing to give more protection to their employees, additional unexpected protection can be added on this basis, and business owners can choose to add it according to their own needs.
2. Occupational category
Group accident insurance requires occupational categories. Many products can only cover 1-4, but not for some high-risk occupations. If some employees of the company are engaged in high-risk occupations, it is best to insure products that are allowed 1-6 or even unlimited.
3. Whether to guarantee the external use of social security drugs.
The accidental medical drugs covered by general group accident insurance are only used in social security, and the self-funded drugs outside social security cannot be reimbursed. Everyone should pay attention. It is better to use drugs other than social security.
4. Does it include accidents unrelated to work?
Some group accident insurance clearly stipulates that only accidents during working hours are covered, so there is no guarantee for accidents outside working hours or accidents caused by non-work-related injuries. Everyone should pay attention to this, and it is best to protect non-work-related accidents.
In fact, in addition to group accident insurance, companies can also buy employer liability insurance. Want to know the specific information of employer liability insurance, you can read this article: business owners must read! What's the difference between employer liability insurance and group accident insurance?
If the above content has not solved your problem, you can pay attention to insurance. We will provide free consultation for 1 to 1, adhering to a professional, objective and neutral attitude, choose more cost-effective products for you, and easily buy insurance!