1 thought on “How can high -risk professional personnel protect themselves? Main attention at these 3 points”
Kelly
Accidents are everywhere, especially high -risk occupations, so people with high -risk occupations must allocate appropriate insurance for themselves. The probability of accidents in high -risk occupations is relatively higher than that of ordinary people. A recent news unfolded. The case details: The king is a construction worker who has been arranged to a hotel in the near future. When the artificial waterfall equipment at the door of the welded hotel is unfortunately shocked by an electrical shock, and the nine -level disability was finally determined. This has a great impact on Xiao Wang's future economic income issues. Xiao Wang received compensation from the employer and asked the hotel to give some compensation. When the incident, the hotel's electrician Xiao Zhang connected the power of the welding machine and let the little king start welding. Xiao Wang just wanted to put the metal tube and shock. Xiao Wang thought that the hotel did not give a safe construction environment, so he hoped that the hotel would also give compensation. The hotel stated that Xiao Wang was sent by the unit and accidentally damaged accidents during work. This is a working injury. It is not an ordinary civil dispute. Professional qualifications are not a problem with the construction environment of the hotel. Don't give Xiao Wang's economic compensation. In the end, the court went to the court. The final judgment of the court was that the little king belonged to the work injury. In the case of the same working injury accident and commercial insurance compensation or civil compensation, it was based on civil compensation and commercial insurance compensation, social injury insurance compensation compensation. Treatment in order. Xiao Wang did not practice the job certificate, so Xiao Wang himself had to bear the main responsibility, and the hotel was responsible for the secondary responsibility. The court sentenced the hotel to more than 20,000 yuan for Xiao Wang. The case analysis: In this case, Xiao Wang had to do a high -risk work without practicing the postal certificate without practicing the post certificate. Our industries should standardize work and work in a legal compliance and safe environment. At the same time, Xiao Wang did not buy insurance products such as life insurance and critical illness insurance. After the accident, there was no way to get a large amount of compensation. When the body was severely disabled, the source of income was interrupted. And to bear some of your high medical expenses. It can be seen that having a suitable insurance outside is our solid backing. Mo high -level occupation insurance to choose: The people in high -risk occupations need insurance, but insurance is very difficult to buy because they have a higher chance of making insurance, and most insurance companies are unwilling to underwrite it. Therefore, for some high -risk career or healthy people, insurance companies will add certain restrictions. Generally, we divide the danger of occupation into 6 levels. There are also the highest risks.
The we will not be expanded for the time being, because such occupations are relatively special, such as battlefield reporters, racers, etc. So before buying insurance products, you must distinguish which category you belong to. Specific high -risk practitioners accident insurance: accident insurance This is the lowest risk of the threshold in our common insurance products, but this is very strict among high -risk professional people. Professional people above the four levels are more troublesome to buy accident insurance. For high -risk occupations, the scope of accident insurance can be considered in a small range of high -risk practitioners. They will be relatively friendly to high -risk professionals in terms of guarantee content or occupational restrictions. Life insurance: Life insurance must be configured for high -risk professionals, and the insurance amount must be bought. The risk of the original high -risk career was higher than the average person. If it was an accident, the life insurance with a million insurance amount could at least give the family's economy with sufficient compensation. Crisement insurance: preservation and full, guarantee, pay attention to their own health hazards, long -term labor and working environment, it is easy to accumulate illness or suffer from occupational diseases. However, the long -term exhaustion of the body is easy to collapse, resulting in no way to work, and the source of income is interrupted. A critical illness insurance, one -time payment, will not be unable to afford the treatment fee, but also supplement some rehabilitation and living expenses after the end of the treatment. When insured, we must analyze hidden health hazards according to their professional characteristics, and choose the product targeted.
Million medical insurance: pay attention to cost -effectiveness and renewal conditions, millions of medical insurance covers a large resident medical expenses. Whether it is due to accidents or inpatient medical expenses incurred in hospitalization, millions of medical insurance can be reimbursed. The cost -effectiveness of millions of medical insurance is generally high. Due to the higher accidents and health risks of high -risk career, high -risk career can focus on the renewal conditions and supporting value -added services of the product. The insurance of high -risk professional population is important, but compared to ordinary people, there are relatively few insurance products and it is difficult to buy. At the same time, because the cost of accident insurance is based on the professional level, even if there is an accident insurance suitable for high -risk industry personnel, the cost will be relatively high. If you have any questions in configuration of such products, you can search for "Bidao Jun" to provide you with the most professional care and meet all your needs on insurance products.
Accidents are everywhere, especially high -risk occupations, so people with high -risk occupations must allocate appropriate insurance for themselves. The probability of accidents in high -risk occupations is relatively higher than that of ordinary people. A recent news unfolded.
The case details:
The king is a construction worker who has been arranged to a hotel in the near future. When the artificial waterfall equipment at the door of the welded hotel is unfortunately shocked by an electrical shock, and the nine -level disability was finally determined. This has a great impact on Xiao Wang's future economic income issues. Xiao Wang received compensation from the employer and asked the hotel to give some compensation. When the incident, the hotel's electrician Xiao Zhang connected the power of the welding machine and let the little king start welding. Xiao Wang just wanted to put the metal tube and shock. Xiao Wang thought that the hotel did not give a safe construction environment, so he hoped that the hotel would also give compensation. The hotel stated that Xiao Wang was sent by the unit and accidentally damaged accidents during work. This is a working injury. It is not an ordinary civil dispute. Professional qualifications are not a problem with the construction environment of the hotel. Don't give Xiao Wang's economic compensation. In the end, the court went to the court. The final judgment of the court was that the little king belonged to the work injury. In the case of the same working injury accident and commercial insurance compensation or civil compensation, it was based on civil compensation and commercial insurance compensation, social injury insurance compensation compensation. Treatment in order. Xiao Wang did not practice the job certificate, so Xiao Wang himself had to bear the main responsibility, and the hotel was responsible for the secondary responsibility. The court sentenced the hotel to more than 20,000 yuan for Xiao Wang.
The case analysis:
In this case, Xiao Wang had to do a high -risk work without practicing the postal certificate without practicing the post certificate. Our industries should standardize work and work in a legal compliance and safe environment. At the same time, Xiao Wang did not buy insurance products such as life insurance and critical illness insurance. After the accident, there was no way to get a large amount of compensation. When the body was severely disabled, the source of income was interrupted. And to bear some of your high medical expenses. It can be seen that having a suitable insurance outside is our solid backing.
Mo high -level occupation insurance to choose:
The people in high -risk occupations need insurance, but insurance is very difficult to buy because they have a higher chance of making insurance, and most insurance companies are unwilling to underwrite it. Therefore, for some high -risk career or healthy people, insurance companies will add certain restrictions. Generally, we divide the danger of occupation into 6 levels. There are also the highest risks.
The we will not be expanded for the time being, because such occupations are relatively special, such as battlefield reporters, racers, etc.
So before buying insurance products, you must distinguish which category you belong to.
Specific high -risk practitioners accident insurance: accident insurance This is the lowest risk of the threshold in our common insurance products, but this is very strict among high -risk professional people. Professional people above the four levels are more troublesome to buy accident insurance. For high -risk occupations, the scope of accident insurance can be considered in a small range of high -risk practitioners. They will be relatively friendly to high -risk professionals in terms of guarantee content or occupational restrictions.
Life insurance: Life insurance must be configured for high -risk professionals, and the insurance amount must be bought. The risk of the original high -risk career was higher than the average person. If it was an accident, the life insurance with a million insurance amount could at least give the family's economy with sufficient compensation.
Crisement insurance: preservation and full, guarantee, pay attention to their own health hazards, long -term labor and working environment, it is easy to accumulate illness or suffer from occupational diseases. However, the long -term exhaustion of the body is easy to collapse, resulting in no way to work, and the source of income is interrupted. A critical illness insurance, one -time payment, will not be unable to afford the treatment fee, but also supplement some rehabilitation and living expenses after the end of the treatment. When insured, we must analyze hidden health hazards according to their professional characteristics, and choose the product targeted.
Million medical insurance: pay attention to cost -effectiveness and renewal conditions, millions of medical insurance covers a large resident medical expenses. Whether it is due to accidents or inpatient medical expenses incurred in hospitalization, millions of medical insurance can be reimbursed. The cost -effectiveness of millions of medical insurance is generally high. Due to the higher accidents and health risks of high -risk career, high -risk career can focus on the renewal conditions and supporting value -added services of the product.
The insurance of high -risk professional population is important, but compared to ordinary people, there are relatively few insurance products and it is difficult to buy. At the same time, because the cost of accident insurance is based on the professional level, even if there is an accident insurance suitable for high -risk industry personnel, the cost will be relatively high. If you have any questions in configuration of such products, you can search for "Bidao Jun" to provide you with the most professional care and meet all your needs on insurance products.