Question 2: What is fixed value insurance? How to determine the amount of insurance claims? Freight insurance is generally a fixed value insurance, and life insurance also has a fixed value insurance. I don't know what you are asking. Baidu encyclopedia search will be helpful.
Question 3: Compensation? What is the compensation standard? What does the salary specifically include? How much should the total compensation be? Ask legal experts to help answer, ... 40 minutes is irrelevant.
The purpose of injury identification is to determine whether the infringer needs to bear criminal responsibility. The appraisal conclusion is divided into no injury, minor injury, minor injury and serious injury. Among them, if the injury constitutes minor injury or serious injury, the infringer is suspected of intentional injury or other crimes and may be investigated for criminal responsibility.
2. The compensation standard and compensation content are related to disability appraisal. If the injured person is identified as 1- 10 disabled, the infringer shall bear the disability compensation and the living expenses of the dependents.
3. Compensation for lost time. If the victim has a fixed income, the lost time fee shall be calculated according to the actual reduced income. If the victim has no fixed income, it shall be calculated according to his average income in the last three years; If the victim can't provide evidence to prove his average income in the last three years, he can refer to the average salary of employees in the same industry or similar industries where the Court of Appeal is located in the previous year.
Question 4: Data analysis of insurance claims 10. Do you belong to claim data? Claims data are statistics of payout ratio, current payout ratio and settlement rate over the years.
Question 5: What is the meaning of outstanding claims reserve? Terms of insurance operation: Pending-refers to the outstanding claims in insurance cases (commonly known as: money has not been paid to customers)-refers to the insurance claims (commonly known as: claims) reserve confirmed by fixed losses-refers to the expected cash payment according to various indicator categories (commonly known as: there is a special plan to pay the claims that cannot be misappropriated. The interpretation of the transfer difference combination of the outstanding claims reserve is that the current reserve of the outstanding claims plan is a proportional value from the calculation date, and the transferred difference is a surplus or a gap. On the other hand, one of the calculated values in the comprehensive payout ratio is the proportional data of the transfer difference of the reserve set for the compensation of the current pending cases. An intuitive understanding example is that the compensation reserve for this period is 6,543,800,000+,and the open cases in this period are planned according to the indicators of the previous period. After the transfer of compensation, the surplus was 2 million, or the gap increased by 3 million, and now it is zero. Then, this transfer is probably the remaining 2 million, or zero after adding 3 million. Then, the numerical relationship between the outstanding claims reserve and the insurance policy is the proportional relationship between them. It becomes one of the corresponding calculated values in various combined data of the payment rate. Of course, the composition and interpretation of insurance clauses are different under different needs. It is your best policy to know all kinds of professional knowledge of insurance operation carefully. Just like the explanation of outstanding portfolio here, it should be understood as the scope of outstanding projects, not simply as the remaining outstanding auto insurance claims.
Question 6: What is one-time compensation? There are three ways to solve one-time compensation, namely negotiation, mediation and litigation. The specific value is determined by the degree of personal injury.
Article 16 of the Tort Liability Law of People's Republic of China (PRC) stipulates that anyone who infringes on others and causes personal injury shall pay compensation for medical expenses, nursing expenses, transportation expenses and other reasonable expenses for treatment and rehabilitation, as well as the income reduced due to absenteeism. If it causes disability, it shall also compensate the disabled for living AIDS and disability compensation. If death is caused, funeral expenses and death compensation shall also be paid. The specific criteria are as follows:
fee-for-service
Compensation for medical expenses should generally be based on the diagnosis certificate of the local treatment hospital and the documents or medical records and prescriptions of medical expenses, treatment expenses and hospitalization expenses. If necessary, you can entrust a forensic expert to identify it.
The local treatment hospital generally refers to the hospital close to the victim's residence or the place where the infringement occurred.
If the victim has been treated in several hospitals with basically the same distance, the medical expenses of the first hospital should generally be determined, except for treatment mistakes or other special circumstances in this hospital.
It should be approved by the medical department, and it is not allowed to find another hospital for treatment without authorization. Generally, no compensation will be given.
If the victim repeatedly examines the same subject and the results are the same, in principle, only the cost of the first examination is determined, except that the treatment hospital really needs to conduct another examination. If the inspection results are inconsistent, the inspection fee before diagnosis shall be determined.
If the victim buys drugs unrelated to the damage or treats other diseases without authorization, the expenses will not be compensated.
If the victim really needs hospitalization or observation, he shall compensate the expenses. However, if the hospitalization time is extended after the discharge notice is issued, or if the hospitalization time is extended due to the treatment of diseases unrelated to the damage, the hospitalization expenses during the extended period will not be compensated.
The expenses incurred by the victim due to the necessary remedial treatment related to the damage shall be compensated.
In the course of litigation, if the treatment has not ended, in addition to the compensation for the expenses already treated, the expenses for continuing treatment can be paid in one lump sum after being proved by the relevant medical institutions or reached an agreement by the parties involved in mediation; In accordance with the relevant provisions of the Civil Procedure Law, the victim may also be informed to file another lawsuit after the treatment is completed.
Wage loss
The victim's absenteeism date shall be determined according to the actual damage degree and recovery status, and with reference to the certificate issued by the forensic appraisal or treatment hospital.
If the victim's actual missed work date is less than the leave certificate, it shall be determined by his actual missed work date; If the actual working date is more late than the leave certificate, it is generally determined by the leave certificate.
If the victim really needs rest but has no leave certificate, he can handle it as appropriate after consulting a forensic doctor or a treatment hospital.
If the victim has a fixed income, the lost time fee shall be calculated according to the actual loss of his income.
Fixed income, including wages, funds and subsidies and allowances stipulated by the state, but excluding subsidies for special types of work.
The bonus is calculated according to the per capita bonus of the victim in the previous year. If the bonus tax exceeds the threshold, the threshold shall be limited. If the victim has no bonus income due to his own reasons before being killed, the second bonus will not be calculated.
If the victim has no fixed income, or if the victim is a contractor or individual industrial and commercial household, the compensation for lost time can be determined with reference to the average income of the victim in the previous year or the average income of the local same industry, the same type of work and the same labor force as appropriate. If tax should be paid to the tax authorities according to law, it should be based on tax receipts.
If the victim engages in a second occupation according to law, he shall compensate for the actual decrease in income.
If the victim is a retiree who is looking for another job, the compensation for lost time can be handled according to the following circumstances:
(1) Comply with policies and laws, and compensate for the actual reduced income;
(2) Violation of policies and laws will not support the claim for compensation.
If the victim has no labor income and requests compensation for lost time, it will not be supported. If the victim is the main undertaker of housework, and other family members are overburdened because the victim is really unable to undertake housework, financial compensation can be given as appropriate.
If the actual income of the victim exceeds three times the average living expenses of local residents, it shall be calculated as three times.
board wages
Hospitalization food allowance shall be compensated according to the standard of food allowance for general staff of state organs on business trip (RMB/day) × hospitalization days.
Nursing expenses
The victim's self-care ability after being killed should generally be identified by forensic identification or the certificate issued by the treatment hospital.
If the victim really can't take care of himself, he shall compensate for his nursing expenses.
During breastfeeding, you can entrust a forensic expert appraisal; It can also be decided after consulting the treatment hospital according to the actual degree of injury and recovery of the victim.
There are usually one or two nurses, unless it is really necessary.
If the nursing staff has income, they can compensate the nursing expenses according to the provisions of this opinion on lost time. & gt
Question 7: What is the base of industrial injury compensation? Compensation for work-related injuries involves three bases, one is the average monthly salary of national employees, the other is the average monthly salary of local employees, and the other is my salary. The first two standards have published figures. The amount of compensation depends on the degree of disability, more or less. For example, to compensate my salary for 9 months, or to compensate the national average monthly salary for 20 months, is to multiply the above base by the number of months of compensation to get the amount. If it's my salary, it's a little troublesome. Generally, it is averaged according to the total salary of the six months before the injury. However, if it is compensation from work-related injury insurance, my salary will be calculated according to the payment salary of your work-related injury insurance, regardless of your actual salary.
Question 8: What do you mean by the number of claims, the proportion of claims and the proportion of claims in the insurance statistical analysis table of automobile 4S shops? Answer with compensation.
The number of claims refers to the number of insured vehicles in the total number of maintenance vehicles.
The proportion of claims refers to the proportion of the insured vehicles maintained to the total number of vehicles maintained.
The compensation ratio refers to the proportion of the compensation amount of the insured vehicle to the total repair cost of the repaired vehicle.
Question 9: How to calculate the damages caused by the contract? According to the industrial injury insurance regulations of China.
Thirty-fifth workers who are disabled due to work are identified as first-class to fourth-class disabilities, retain their labor relations, quit their jobs, and enjoy the following benefits:
(1) The industrial injury insurance fund will pay a one-time disability subsidy according to the disability level. The standard is: 27 months' salary for first-degree disability, 25 months' salary for second-degree disability, 23 months' salary for third-degree disability and 2 1 month salary for fourth-degree disability.
(2) Pay the disability allowance from the industrial injury insurance fund on a monthly basis. The standard is: 90% of my salary for first-degree disability, 85% for second-degree disability, 80% for third-degree disability and 75% for fourth-degree disability. If the actual amount of disability allowance is lower than the local minimum wage, the difference will be made up by the industrial injury insurance fund.
(three) after the workers with work-related injuries reach retirement age and go through retirement procedures, the work-related injury insurance fund will make up the difference.
If an employee is identified as one to four disabled due to work-related disability, the basic medical insurance premium shall be paid by the employer and individual employees on the basis of disability allowance.
Thirty-sixth workers who are disabled due to work are identified as five or six disabled, and enjoy the following benefits:
(1) The industrial injury insurance fund will pay a one-time disability subsidy according to the disability level. The standard is: my salary is level 5 disability 18 months, level 6 disability 16 months;
(two) to retain the labor relationship with the employer, and the employer shall arrange appropriate work. If it is difficult to arrange a job, the employer will pay a monthly disability allowance. The standard is: level 5 disability is 70% of my salary, level 6 disability is 60% of my salary, and the employer shall pay the social insurance premium that should be paid according to the regulations. If the actual amount of disability allowance is lower than the local minimum wage, the employer shall make up the difference.
Upon the employee's own proposal, the employee may terminate or terminate the labor relationship with the employer, and the work-related injury insurance fund shall pay the one-time medical subsidy for work-related injuries, and the employer shall pay the one-time disability employment subsidy. The specific standards for one-time work-related injury medical subsidies 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.
Thirty-seventh workers who are disabled due to work are identified as seven to ten disabled, and enjoy the following benefits:
(1) The industrial injury insurance fund will pay a one-time disability subsidy according to the disability level. 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. The specific standards for one-time work-related injury medical subsidies 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.
Thirty-eighth workers who need treatment for the recurrence of work-related injuries shall enjoy the treatment of work-related injuries stipulated in Articles 30, 32 and 33 of these Regulations.
Article 39 If an employee dies at work, his close relatives shall receive funeral subsidies, pension for supporting relatives and one-time work-related death subsidies from the industrial injury insurance fund in accordance with the following provisions:
(a) the funeral subsidy is the average monthly salary of employees in the overall planning area for 6 months.
(2) The pension for supporting relatives shall be paid to the relatives who provided the main source of livelihood before the death of the employee and were unable to work because of work according to a certain proportion of the employee's salary. The standard is: spouse 40%, other relatives 30%, widowed elderly or orphans 10%. The total approved pension of dependent relatives should not be higher than the salary of employees who died at work. The specific scope of supporting relatives shall be stipulated by the administrative department of social insurance of the State Council.
(three) the standard of one-time work death allowance is 20 times of the per capita disposable income of urban residents in the previous year.
If a disabled employee dies at work during the period of paid suspension, his close relatives shall enjoy the treatment stipulated in the first paragraph of this article.
If a disabled worker of Grade 1 to Grade 4 dies after the expiration of his unpaid leave, his close relatives may enjoy the treatment specified in Items (1) and (2) of the first paragraph of this article.
Question 10: how to calculate the compensation amount for medical accidents and what is the compensation standard for medical expenses? In fact, the calculation framework of large compensation for medical accidents can be found in Baidu. There are clear rules that can be checked. The focus is on the era of power relations. The gap between regions and forces is too great to determine the compensation standard. The landlord is unknown. Today I will tell you a true story. At that time, a medical accident occurred in the hospital and a person died. The hospital ignored it and called the police to find * * *. Mediation amounted to 1.28 million yuan, and the victim refused to accept it. He was locked up in the funeral home for two months, and he found a relationship with his uncle. He lost more than 720 thousand on a phone call and sent the victim to the army. That's what the solver finally said. Why didn't someone say it was such a big circle?
After reading this story, should the landlord understand the current medical compensation standard?
What are the relevant procedures required to establish a foundation?