Insurance disability assessment standard: 1. Determine the type of disability: when evaluating disability, the type of disability involved should be determined according to the physiological structure and functional damage of the human body. 2. Determine the level of disability: according to the disability, determine the level of disability under the same disability type. 3. Determine the proportion of insurance payment: the proportion of insurance payment should be determined according to the percentage corresponding to the disability level. 4. Evaluation principle of multiple disabilities: When the same insurance accident causes two or more disabilities, the degree of disability of each part should be evaluated first. If several disability levels are different, the heaviest disability level should be taken as the final appraisal conclusion; If two or more disability levels are the same, the disability level will be promoted to one level at most on the basis of the original assessment. Disability in the same position and of the same nature should not be evaluated twice using more than two clauses or the same clause in this standard.
legal ground
People's Republic of China (PRC) Insurance Law Article 2 Insurance as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.