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The difference between group accident insurance and employer liability insurance
The difference between group accident insurance and employer liability insuranceI am often asked what is the difference between employer liability insurance and group accident insurance.
As a Shandong Zhonglian labor enterprise insurance expert, I can tell you here that there are mainly the following differences:
As a Shandong Zhonglian labor enterprise insurance expert, I can tell you here that there are mainly the following differences:
1.
The subject matter of insurance: the subject matter of employer liability insurance is the employer, while the subject matter of the group accident insurance is the employee;
The subject matter of insurance: the subject matter of employer liability insurance is the employer, while the subject matter of the group accident insurance is the employee;
2.
Occupational disease liability: employer liability insurance includes occupational disease liability, and group accident insurance does not include occupational disease liability;
Occupational disease liability: employer liability insurance includes occupational disease liability, and group accident insurance does not include occupational disease liability;
3.
Sudden death liability: employer liability insurance has sudden death liability, and group accident insurance has no sudden death liability;
Sudden death liability: employer liability insurance has sudden death liability, and group accident insurance has no sudden death liability;
4.
Litigation costs: Employer’s liability insurance includes litigation costs, and group accident insurance does not include accidental costs;
Litigation costs: Employer’s liability insurance includes litigation costs, and group accident insurance does not include accidental costs;
5.
Compensation channels: the employer’s liability insurance compensation amount is first paid to the employer, and then the employer to the employee; the group accident insurance compensation amount is directly paid to the employee;
Compensation channels: the employer’s liability insurance compensation amount is first paid to the employer, and then the employer to the employee; the group accident insurance compensation amount is directly paid to the employee;
6.
Legal consequences: Employers do not need to bear legal liabilities, as long as they perform economic compensation liabilities in accordance with the law.
Group accident insurance employers cannot be exempted from liability.
After employees receive compensation from the insurance company, they can also demand compensation from the employer.
Legal consequences: Employers do not need to bear legal liabilities, as long as they perform economic compensation liabilities in accordance with the law.
Group accident insurance employers cannot be exempted from liability.
After employees receive compensation from the insurance company, they can also demand compensation from the employer.
At least how many people can purchase employer liability insurance? Is there any age requirement?
Zhonglian Enterprise Insurance experts will answer for you.
Generally, if most insurance companies want to purchase employer liability insurance, the minimum number of insured persons is 5 people.
Generally, if most insurance companies want to purchase employer liability insurance, the minimum number of insured persons is 5 people.
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