Legal analysis: Group accident insurance If the insured causes 10 disability due to accident, the insurance premium will be compensated in proportion. Because the degree of disability in personal insurance is divided into 1 to 10, the insurance compensation ratio corresponding to the degree of disability in personal insurance is divided into ten grades, with the first grade corresponding to 100% and the tenth grade corresponding to 10%. If the accident insurance coverage is 200,000 yuan, the disability compensation of 10 is 20,000 yuan.

Legal basis: Article 37 of the Regulations on Industrial Injury Insurance in People's Republic of China (PRC), employees who are identified as being disabled from Grade 7 to Grade 10 due to work-related injuries shall enjoy the following benefits:

(a) according to the level of disability from the industrial injury insurance fund to pay a one-time disability allowance. The criteria are: level 7 disability 13 months, level 8 disability 1 1 month, level 9 disability for 9 months and level 10 disability for 7 months;

(two) the expiration of the labor employment contract, or the employee himself proposes to terminate the labor employment contract, the industrial injury insurance fund pays a one-time medical subsidy for work-related injuries, and the employer pays a one-time disability employment subsidy. Specific standards for one-time medical subsidies for work-related injuries and one-time disability employment subsidies shall be formulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.