Kunshan accident investigation: less than 10% of enterprises invest in group accident insurance

Recently, the dust explosion accident in the polishing workshop of Kunshan Zhongrong Metal Products Co., Ltd. has caused widespread concern in the society. Who is responsible for the safety accident?

The reporter learned that, apart from Pacific Insurance, there are no other insurance companies that have insured Kunshan Zhongrong Metal Products Co., Ltd. in the "8.2" particularly serious explosion accident. CPIC said it only insures the company's homes and does not insure any commercial insurance, including group accident insurance and high-risk industry insurance.

Yesterday, China Life Insurance Group business related people pointed out that in the interview, the company will take the initiative to help employees to insure group business insurance companies less than 10%, the basic proportion of about 5%, "Enterprises will consider the cost side, on the one hand, On the other hand, there is still a problem of insurance awareness.” Some group insurance salesmen once expressed their feelings to reporters that many companies are “willing to help the machine to buy full insurance and not to help workers buy insurance” when they are insured.

Insurance experts point out that, in fact, helping employees to buy comprehensive group insurance also reflects corporate responsibility, and the rate of group insurance will be cheaper than personal insurance.

Group accident insurance rate is low

It is reported that Pacific Insurance underwrites the property comprehensive mortgage insurance loan of Kunshan Zhongrong Metal Products Co., Ltd., with a guarantee amount of 12 million yuan, so the direct loss of the factory building and related necessary expenses will be settled. In addition, CPIC has confirmed that it has not covered the enterprise group's risk insurance and high-risk industry insurance, and the insurance situation of individual customers is being intensified.
"Only insuring the machine, not helping people to buy insurance is the commonality of many business owners. But in fact, the group accident insurance rate of employees is actually quite low, even cheaper than personal accident insurance. At present, the rate of personal accident insurance is basically 10,000. About one point." Industry insiders pointed out that "group accident insurance and high-risk industry insurance are all types of insurance that companies and individuals voluntarily participate in insurance, and are not mandatory. However, especially involving the production of dangerous goods and high accident rates. Enterprises should purchase accidental injury insurance for their employees."
In fact, in addition to helping employees buy group accident insurance and high-risk industry insurance, companies can also spread risk by purchasing employer liability insurance or public liability insurance. Taking employer liability insurance as an example, the premium is about 240~400 yuan per person, and the insurance amount is 300,000 yuan to 500,000 yuan. The rate of public liability insurance is about one thousandth, and different premiums are paid according to the amount of insurance.

Commercial insurance supplement social security

According to the Work Injury Insurance Regulations, the one-off work-stay subsidy standard is 20 times the per capita disposable income of urban residents in the previous year. According to lawyers, according to the current annual standard of more than 20,000 yuan, 20 times is close to 500,000 yuan. .

According to reports, the standard of one-time disability subsidy from the work injury insurance fund according to the level of disability is: the standard of disability treatment is 27 months of my salary, the second level of disability is 25 months of my salary, level 3 The disability is 23 months of my salary, and the fourth grade disability is 21 months of my salary. The disability allowance is paid monthly from the Work Injury Insurance Fund. The standard is: 90% of the salary of the first-degree disabled, 85% of the salary of the second-level disabled, 80% of the salary of the third-level disabled, and the fourth-grade injury. Residual 75% of his salary. If the actual amount of disability allowance is lower than the local minimum wage, the work injury insurance fund will make up the difference.

Some lawyers pointed out that if the injured person reaches the level 10 disability, the compensation amount will be about 110,000 to 120,000 yuan, and the minimum compensation will be 700,000 to 800,000 yuan.

"The work-injury insurance in the common 'five insurance and one gold' usually does not fully protect the vital interests of these employees, which requires companies to insure some commercial insurance," said Guo Guozhu, a professor of finance and insurance at the Capital University of Economics and Business.

Insurance industry insiders pointed out that in addition to the basic "five insurance and one gold", enterprises need to provide employees with complete employee benefits. The program should include four levels: the first layer is accidental injury, accidental medical treatment, which can solve the basic accidents of employees. Accidents, hospitalization expenses; the second layer is disease protection, including some major illness insurance; the third layer is medical treatment, which can cover the scope that social security cannot cover, providing more extensive protection, and the fourth level is pension, including enterprises. Annuity, etc.

At present, most corporate group insurance is mainly concentrated in the first three levels, but the overall purchase is relatively low.

How do individual employees insured?

Main accidental accident and accident medical insurance

Insurance experts said that if the incident was confirmed as a work-related injury by the Social Security Bureau, according to the terms, relatives of the deceased could receive relevant subsidies and pensions. "If the deceased himself has insurance for accident insurance, his relatives will be compensated for accident insurance in addition to compensation for work-related injuries."

Accident insurance mainly targets three aspects of protection: death or disability due to accidents; medical expenses due to accidents; loss of lost work due to accidents (subsidies). Death or disability due to accidents is the basic guarantee for accident insurance. The latter two are usually matched separately or together.

Many policyholders believe that as long as the accident insurance is insured, the insurance company should give the claim for the insurance accident caused by the accident and the medical expenses incurred due to the accident.

However, in fact, some of the insurance liabilities listed in the personal accident insurance only include the insured person's death or disability due to accidental injury, and the insurance company does not compensate for the medical expenses caused by the accidental injury.

Therefore, it is recommended that the insured person attach the accidental medical insurance when insuring the accident insurance to claim the medical expenses incurred by the insured due to the accident.

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