1, insurance company disability appraisal standard:
(1) Serious injury refers to the injury that causes the actor to be disabled, disfigured, lose organ function or seriously affect his health. It is divided into Grade I and Grade II.
(2) Minor injuries refer to injuries that are moderately harmful to the appearance, organs or personal health of the actor, and are specifically divided into Grade I and Grade II minor injuries;
(3) Minor injuries mean minor injuries to human tissues and organs.
2. Legal basis: Article 179th of the Civil Code of People's Republic of China (PRC).
Anyone who infringes on others and causes personal injury shall pay compensation for medical expenses, nursing expenses, transportation expenses, nutrition expenses, hospital food subsidies and other reasonable expenses for treatment and rehabilitation, as well as the income reduced due to missed work. If it causes disability, it shall also compensate for the cost of assistive devices and disability compensation; If death is caused, funeral expenses and death compensation shall also be paid.
Two, personal injury compensation standard is:
1, medical expenses. Compensation for medical expenses should generally be based on the diagnosis certificate of the local treatment hospital and the documents or medical records and prescriptions of medical expenses, treatment expenses and hospitalization expenses. When necessary, you can entrust forensic expertise;
2. Lost time. The date of the victim's missing work shall be determined according to the actual degree of damage and recovery, with reference to the certificate issued by the forensic appraisal or treatment hospital;
3. Food expenses. Hospitalization food subsidies, according to the standard of food subsidies for general staff of state organs on business trips, according to the number of days of hospitalization compensation;
4. Nursing expenses. The victim's self-care ability after being killed should generally be identified by forensic identification or the certificate issued by the treatment hospital;
5. Transportation expenses. If the victim goes to a local hospital for treatment or must be transferred to another hospital for treatment, he shall compensate himself and the necessary nursing staff for their transportation expenses;
6. Accommodation fee. If the victim who must go to a foreign hospital for treatment really needs to wait for treatment due to lack of hospital beds or other reasons, and the injury does not allow him to return home, or the transportation fee to and from home is higher than the accommodation fee, he should compensate himself and the necessary nursing staff for their accommodation fee;
7. Nutrition fee. If the victim is seriously injured and it is really necessary to supplement nutritious food as adjuvant treatment, the expenses may be compensated as appropriate.