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保险小编帮您解答,更多疑问可在线答疑。
您好!企业员工意外险是以团体方式购买的人身意外保险,而其保险责任、给付方式则与个人意外伤害保险相同。企业员工意外险是由保险公司签发一张总的保险单,为该团体的成员提供保障的保险。一般是按职业类别来购买企业员工意外险,要求达到一定人数就可以购买。以平安为例,1~3类最低购买人数为8人,4类以上最少为20人。购买企业员工意外险需要多少个人才能投保,一般会因为保险公司的不同、职业类别的不同等原因具体而定。
由于意外伤害保险的保险费率与被保险人的年龄和健康无关,而是取决于被保险人的职业,而一个团体的成员从事风险性质相同或相近的工作,所以与人寿保险、健康保险相比,意外伤害保险最有条件采用团体方式购买。企业员工意外险险对被保险人的年龄有要求,费率也因职业类别而不同。期限一般是一年或更短期。保障范围一般是意外伤残再附加意外医疗保险。
购买企业员工意外险,除一般应保管好保险合同、履行好如实告知义务、索赔注意单证齐全等各种保险常规知识外,还需要注意以下几个点:一是购买团意险前后应采用适当方式向员工明确宣示。
二是需提供购买员工人数、职业或工种、保额需求或费用预算等信息;需填写购买书、提供员工清单、通过现金或支票缴费;
三是购买后被保险员工人数或工种发生变化,应于10日内书面通知保险公司,对相关事项进行合同批改处理,避免因工作疏忽,造成不必要的理赔纠纷。
四是要明确指定受益人。主要是身故保险金受益人。
企业员工意外险购买,我们需要一个专业的购买平台:
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