Different occupational groups face different types of risks, so the threshold for buying insurance is also different. Insurance companies will classify occupations according to the risks faced by the insured and set insurance restrictions according to the occupational classification.
In accident insurance, one to four types of occupations can be insured; Moreover, five or more occupations are high-risk occupations, and there are fewer products that can be insured.
Extended data
The rate of personal insurance, especially accident insurance, mainly depends on the risk level of the occupation. For example, according to the exposure draft of the insurance industry occupational classification standard, it is also the financial industry, and it is also divided into 16 sub-occupations such as bank loan officers, securities traders and insurance salesmen. The manufacturing industry has the smallest classification, with 54 middle occupations and 665 sub-occupations.
Not only the rate, but also the claims of some insurance products can be linked to the professional nature. For example, some accident insurance products pay for accidental death insurance, accidental disability insurance, accidental burn insurance and accidental medical insurance according to the proportion of compensation corresponding to the occupational category.
Therefore, consumers need to be reminded that when purchasing insurance, the description of occupational categories can not be ignored, which is not only related to the level of premiums, but also related to claims afterwards. When the post changes, you should take the initiative to inform the insurance company and go through the corresponding career change procedures, and then the insurance company will make a decision on whether to increase the cost or refuse insurance.
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People's Network-the first occupational classification standard-molding insurance rate will be determined according to the type of work.
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