First of all, understand the content of insurance protection.
Before reimbursing employee accident insurance, it is necessary to know the specific protection content of the accident insurance purchased. Different accident insurance products may have different coverage, such as accidental death, disability and medical expenses. Therefore, when buying insurance, you should read the insurance contract and terms carefully to understand the specific protection content and restrictions of insurance.
Second, notify the insurance company in time.
After the accident, the insurance company shall be notified as soon as possible and the necessary information shall be provided according to the requirements of the insurance company. This will help the insurance company to know the accident situation in time and guide you in the subsequent claim settlement process.
Third, prepare and submit reimbursement materials.
According to the requirements of the insurance company, you need to prepare and submit relevant reimbursement materials. These materials may include:
1, accident certificate: such as accident certificate, accident certificate issued by public security department, etc. ;
2. Medical certificate: such as diagnosis certificate, expense list and invoice issued by the hospital;
3. Identification: such as ID card and work permit;
4. Insurance contract and policy: prove that you have purchased insurance products.
When preparing materials, please ensure that all documents are true and complete, and file them according to the requirements of the insurance company.
Fourth, waiting for review and payment.
After submitting the reimbursement materials, the insurance company will review your application. During the audit, the insurance company may contact you to verify relevant information or request supplementary materials. After the approval, the insurance company will pay compensation in the agreed way, which may be direct payment of medical expenses or certain economic compensation.
To sum up:
Employee accident insurance reimbursement needs to know the insurance coverage, notify the insurance company in time, prepare and submit relevant reimbursement materials, and wait for the insurance company to review and pay. In the whole process, you must provide true and complete materials and abide by the regulations and requirements of the insurance company.
Legal basis:
People's Republic of China (PRC) insurance law
Article 22 provides that:
After the occurrence of an insured accident, when the applicant, the insured or the beneficiary requests the insurer to compensate or pay the insurance money according to the insurance contract, they shall provide the insurer with the certificates and materials that they can provide to confirm the nature, causes and loss degree of the insured accident. According to the contract, if the insurer thinks that the relevant certificates and materials are incomplete, it shall promptly notify the applicant, the insured or the beneficiary to supplement them.