Life insurance; 3. Group health insurance, which mainly protects against health risks, including: critical illness insurance, supplementary hospitalization, hospitalization allowance, and supplementary outpatient and emergency care; 4. Group pension insurance, which mainly provides pension security for employees, including: participating insurance and universal insurance
, investment-linked insurance.
The first three types of insurance are relatively basic, among which accident injury, accidental medical treatment, traffic accident, one-year term life insurance, critical illness insurance, and supplementary hospitalization are more common; pension insurance is all long-term insurance, and employees receive it after retirement, while pension insurance
Participating insurance and universal insurance are relatively common.
Since the nature of each enterprise is different, the types of insurance purchased by different enterprises will also be different. So how should enterprises purchase commercial insurance for their employees? 1. Enterprises with more ordinary clerks and logistics can purchase medical and health insurance, such as:
Critical illness insurance, accidental injury insurance, hospitalization medical insurance, etc.; 2. Enterprises with a large number of actual operating workers can insure their employees with accidental protection, such as accidental injury insurance, high-risk accident insurance, accidental medical insurance, etc.; 3.
Enterprises with strict cost control can insure their employees with insurances such as accidental injury, accidental medical treatment, and critical illness with lower rates and higher protection. The specific amount needs to be determined based on the actual conditions and needs of the enterprise and employees themselves.
To sum up, the commercial insurance purchased by an enterprise for its employees needs to be decided according to its own situation. Purchasing commercial insurance for its employees not only reflects the enterprise's care for its employees, but also better protects the flow of talents and lays the foundation for the future development of the enterprise.
Base.
1. Commercial insurance Commercial insurance refers to a form of insurance operated through the conclusion of insurance contracts for the purpose of profit, and is operated by specialized insurance companies.
A commercial insurance relationship is a contractual relationship voluntarily concluded by the parties. The policy holder pays insurance premiums to the insurance company in accordance with the contract. The insurance company shall bear the liability for compensation for property losses caused by possible accidents as stipulated in the contract, or
The insured shall be responsible for paying insurance benefits when the insured dies, becomes disabled, becomes ill, or reaches the agreed age or period.
The so-called social insurance refers to a system that collects insurance premiums to form a social insurance fund, which is used to provide basic living security to members who have lost their ability to work or lost their job opportunities due to old age, illness, maternity, disability, death, and unemployment.
a social security system.