Legal analysis: Group accident insurance, also known as group accident insurance, is a personal accident insurance insured on a group basis. Generally, the enterprise acts as the policy holder and the employees act as the insured. The insurance liability and benefits of the group accident insurance are The method is the same as personal accident insurance. The scope of insurance claims includes accidental death, accidental disability, accidental medical treatment, accidental hospitalization allowance, critical illness, etc.

The payment ratio for group accident insurance is based on the employee’s occupation category, the number of group insured persons, and the insured amount. It has a fixed rate, with the option to choose how much to insure per person multiplied by the rate multiplied by the number of insured persons.

The compensation standards of group personal accident insurance mainly include three aspects: accidental death, accidental disability, and accidental medical treatment. The specific situation is as follows:

1. Accidental injury death and disability compensation: The amount of accidental death compensation is the maximum compensation limit of the insurance type. The compensation standard for accidental disability is divided according to the degree of disability. The degree of disability is divided into levels from one to ten, with the most severe level being the first level and the lightest level being the tenth level. The insurance benefit payment ratio corresponding to the first level of disability is 100%, and the insurance benefit payment ratio corresponding to the tenth level of disability is 100%. 10%, each level differs by 10%.

2. Accident medical compensation: It is a loss compensation amount, and its compensation amount does not exceed the actual medical expenses. For example, if the insurance coverage for accidental medical treatment is 10,000 yuan, but the insured’s treatment cost is 5,000 yuan, then the maximum compensation cost after review will be 5,000 yuan.

Legal basis: "Social Insurance Law of the People's Republic of China"

Article 38 The following expenses incurred due to work-related injuries shall be paid from the work-related injury insurance fund in accordance with national regulations:

(1) Medical expenses and rehabilitation expenses for treatment of work-related injuries (2) Hospitalization food subsidy (3) Transportation, food and accommodation expenses for medical treatment outside the coordinated area (4) Expenses required for the installation and configuration of disability assistive devices (5) For those who cannot take care of themselves, the living care expenses confirmed by the Labor Capacity Appraisal Committee (6) One-time disability allowance and the monthly disability allowance received by employees with level one to four disabilities (7) When the labor contract is terminated or terminated , the one-time medical subsidy that should be enjoyed (8) If the person dies on the job, the surviving family members will receive the funeral subsidy, dependent relative pension and death on the job benefit (9) Labor ability appraisal fee.

Article 39 The following expenses incurred due to work-related injuries shall be paid by the employer in accordance with national regulations:

(1) Wages and benefits during the treatment of work-related injuries (2) Levels 5 and 6 The monthly disability allowance received by level 1 disabled employees (3) The one-time disability employment subsidy that should be enjoyed when the labor contract is terminated or terminated.

Article 41 If an employee’s employer fails to pay work-related injury insurance premiums in accordance with the law and a work-related injury accident occurs, the employer shall pay work-related injury insurance benefits. If the employer does not pay, it will be paid first from the work-related injury insurance fund.

Work-related injury insurance benefits paid in advance from the work-related injury insurance fund shall be reimbursed by the employer. If the employer fails to repay, the social insurance agency may pursue compensation in accordance with the provisions of Article 63 of this Law.