First, the coverage is different.

1, the industrial injury insurance in social security is basically paid after the company becomes a regular employee, and the coverage is accidents during work or on the way to and from work.

2. The specific reimbursement of work-related injury insurance and commercial accident insurance should be based on employees' accidents and participation. The general principle is that the total reimbursement cost is 65,438+000%, that is, it does not exceed the actual expenditure.

Second, the claim settlement units are different.

1. Social security industrial injury insurance belongs to group insurance, and the handling department is Human Resources Department.

2. When any employee of the company has an accident, it is necessary to inform the head of the human resources department or the human resources assistant as soon as possible. The Human Resources Department is responsible for contacting the accident insurance company and handling relevant procedures for injured employees in time.

Third, the nature is different.

1. All employees have work-related injury insurance. Once an industrial accident occurs, as long as the relevant regulations are met, the medical expenses incurred can basically be reimbursed, and enterprises and individuals have no burden.

2. Personal accident insurance has a certain deductible and upper limit, which is low in payout ratio.

Fourth, the implementation purpose is different.

1, accident insurance is a kind of business behavior to obtain profits by complying with people's requirements to avoid risks.

2. Work-related injury insurance is not for profit. Its starting point is to ensure the basic livelihood of workers, maintain social stability and promote economic development.

Verbs (short for verb) have different coverage.

1. Accident insurance is guaranteed regardless of time, place and cause of injury. Mainly to reimburse the insured for medical expenses caused by accidental injuries. If the insured is disabled due to accidental injury, he may also compensate the disability allowance in proportion.

2. Work-related injury insurance only reimburses medical expenses caused by accidental injuries due to work reasons.

Six, the existence of different legal relations.

1. The legal basis of accident insurance is the general civil contractual relationship.

2. The legal basis of industrial injury insurance is the realization of national management functions.

Baidu encyclopedia-accident insurance

Baidu encyclopedia-industrial injury insurance