人保學(xué)生意外保險(xiǎn)怎么賠償?shù)?/title> <meta name="description" content="人保學(xué)生意外險(xiǎn)怎么理賠的人保學(xué)生意外險(xiǎn)理賠流程如下：1、報(bào)案：被保險(xiǎn)人發(fā)生保險(xiǎn)事故后人保學(xué)生意外保險(xiǎn)怎么賠償?shù)模?lián)系保險(xiǎn)公司，及時(shí)進(jìn)行報(bào)案,傷殘等級(jí)最高為1級(jí),對(duì)應(yīng)賠付比例100%保額人保學(xué)生意外保險(xiǎn)怎么賠償?shù)?法律依據(jù)：《中華人民共和國(guó)社會(huì)保險(xiǎn)法》第一條為人保學(xué)生意外保險(xiǎn)怎么賠償?shù)牧艘?guī)范社會(huì)保險(xiǎn)關(guān)系，維護(hù)公民參加社會(huì)保險(xiǎn)和享受社會(huì)保險(xiǎn)待遇的合法權(quán)益，使公民共享發(fā)展成果，促進(jìn)社會(huì)和諧穩(wěn)定，根據(jù)憲法，制定本法。" /> <meta name="keywords" content="學(xué)生,賠償" /> <link rel="stylesheet" href="/31214/css/rest.css"> <link rel="stylesheet" href="/31214/css/swiper.min.css"> <link rel="stylesheet" href="/31214/css/header.css"> <link rel="stylesheet" href="/31214/css/foot.css"> <link rel="stylesheet" href="/31214/css/test.css"> <script src="/31214/js/public.js"></script> <link rel="stylesheet" href="/31214/css/article.css"> <script> var _hmt = _hmt || []; (function() { var hm = 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href="javascript:void(0)">人保學(xué)生意外保險(xiǎn)怎么賠償?shù)?/a> <span></span> </div> <div id="h8vwpehz5e3o" class="mainbox"> <div id="h8vwpehz5e3o" class="mainleft"> <article class="article"> <h1>人保學(xué)生意外保險(xiǎn)怎么賠償?shù)?/h1> <div id="h8vwpehz5e3o" class="lawmsg"> <img src="/31214/img/fls.png" alt="" class="face"> <a target="_blank">在線問(wèn)法</a> <span id="h8vwpehz5e3o" class="time">時(shí)間： 2024.01.18</span> <div id="h8vwpehz5e3o" class="set"> <img src="/31214/img/icon26.png" alt="" class="icon"> <span>538</span> </div> </div> <div id="h8vwpehz5e3o" class="abstract">人保學(xué)生意外險(xiǎn)怎么理賠的人保學(xué)生意外險(xiǎn)理賠流程如下：1、報(bào)案：被保險(xiǎn)人發(fā)生保險(xiǎn)事故后人保學(xué)生意外保險(xiǎn)怎么賠償?shù)?，?lián)系保險(xiǎn)公司，及時(shí)進(jìn)行報(bào)案,傷殘等級(jí)最高為1級(jí),對(duì)應(yīng)賠付比例100%保額人保學(xué)生意外保險(xiǎn)怎么賠償?shù)?法律依據(jù)：《中華人民共和國(guó)社會(huì)保險(xiǎn)法》第一條為人保學(xué)生意外保險(xiǎn)怎么賠償?shù)牧艘?guī)范社會(huì)保險(xiǎn)關(guān)系，維護(hù)公民參加社會(huì)保險(xiǎn)和享受社會(huì)保險(xiǎn)待遇的合法權(quán)益，使公民共享發(fā)展成果，促進(jìn)社會(huì)和諧穩(wěn)定，根據(jù)憲法，制定本法。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="h8vwpehz5e3o" class="word"><strong>人保學(xué)生意外險(xiǎn)怎么理賠的</strong><p>人保學(xué)生意外險(xiǎn)理賠流程如下：</p><p>1、報(bào)案：被保險(xiǎn)人發(fā)生保險(xiǎn)事故后人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? ，聯(lián)系保險(xiǎn)公司，及時(shí)進(jìn)行報(bào)案。</p><p>2、調(diào)查：保險(xiǎn)公司接到報(bào)案后，會(huì)派遣專業(yè)的技術(shù)人員進(jìn)行調(diào)查，申請(qǐng)人提交相關(guān)證明材料，如事故證明、診斷證明等。</p><p>3、審核協(xié)商：保險(xiǎn)公司對(duì)材料進(jìn)行審核，確保沒(méi)有騙保等行為。被保險(xiǎn)人或其家屬若是對(duì)保險(xiǎn)公司的賠償金額有異議，兩方可能會(huì)進(jìn)行協(xié)商，或到法院進(jìn)行訴訟。</p><p>4、理賠：當(dāng)保險(xiǎn)公司審核通過(guò)，兩方對(duì)保險(xiǎn)金達(dá)成一致的意見(jiàn)時(shí)，保險(xiǎn)公司發(fā)放保險(xiǎn)金。</p><p>測(cè)一測(cè)人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? 你的抗風(fēng)險(xiǎn)指數(shù)，專家為你免費(fèi)解讀人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? ！</p><strong>人保學(xué)生意外保險(xiǎn)賠償標(biāo)準(zhǔn)</strong><p>法律分析人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? ：如果你買的是學(xué)平險(xiǎn)人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? ，生病住院可以賠付一部分(如沒(méi)住院不賠)。1、一般情況下保險(xiǎn)公司在收齊理賠所需資料10-15個(gè)工作日進(jìn)行賠付(學(xué)校一般積累幾個(gè)一起交，要耽誤幾天)。2、理賠是按合同規(guī)定，一般是按當(dāng)?shù)蒯t(yī)保規(guī)定比例賠付。先計(jì)算醫(yī)療費(fèi)，手術(shù)費(fèi)賠付比例，有的藥賠50%，有的不再醫(yī)保不賠等，再按學(xué)校和保險(xiǎn)公司訂的合同規(guī)定賠付，一般1000元以下50-55%，1000-5000部分60-65%，5000-10000部分70-75%。</p><p>法律依據(jù)：《中華人民共和國(guó)社會(huì)保險(xiǎn)法》</p><p>第一條為人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? 了規(guī)范社會(huì)保險(xiǎn)關(guān)系，維護(hù)公民參加社會(huì)保險(xiǎn)和享受社會(huì)保險(xiǎn)待遇的合法權(quán)益，使公民共享發(fā)展成果，促進(jìn)社會(huì)和諧穩(wěn)定，根據(jù)憲法，制定本法。 </p><p>第二條國(guó)家建立基本養(yǎng)老保險(xiǎn)、基本醫(yī)療保險(xiǎn)、工傷保險(xiǎn)、失業(yè)保險(xiǎn)、生育保險(xiǎn)等社會(huì)保險(xiǎn)制度，保障公民在年老、疾病、工傷、失業(yè)、生育等情況下依法從國(guó)家和社會(huì)獲得物質(zhì)幫助的權(quán)利。 </p><p>第三條社會(huì)保險(xiǎn)制度堅(jiān)持廣覆蓋、保基本、多層次、可持續(xù)的方針，社會(huì)保險(xiǎn)水平應(yīng)當(dāng)與經(jīng)濟(jì)社會(huì)發(fā)展水平相適應(yīng)。 </p><p>第四條中華人民共和國(guó)境內(nèi)的用人單位和個(gè)人依法繳納社會(huì)保險(xiǎn)費(fèi)，有權(quán)查詢繳費(fèi)記錄、個(gè)人權(quán)益記錄，要求社會(huì)保險(xiǎn)經(jīng)辦機(jī)構(gòu)提供社會(huì)保險(xiǎn)咨詢等相關(guān)服務(wù)。個(gè)人依法享受社會(huì)保險(xiǎn)待遇，有權(quán)監(jiān)督本單位為其繳費(fèi)情況。 </p><p>第五條縣級(jí)以上人民政府將社會(huì)保險(xiǎn)事業(yè)納入國(guó)民經(jīng)濟(jì)和社會(huì)發(fā)展規(guī)劃。國(guó)家多渠道籌集社會(huì)保險(xiǎn)資金。縣級(jí)以上人民政府對(duì)社會(huì)保險(xiǎn)事業(yè)給予必要的經(jīng)費(fèi)支持。國(guó)家通過(guò)稅收優(yōu)惠政策支持社會(huì)保險(xiǎn)事業(yè)。</p><strong>學(xué)生意外傷害保險(xiǎn)怎么賠付</strong><p>學(xué)生意外傷害保險(xiǎn)一般包含以下幾項(xiàng)責(zé)任：意外身故、意外殘疾、意外醫(yī)療。具體能賠多少錢,需要根據(jù)您人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? 的保險(xiǎn)合同責(zé)任來(lái)確定,不同人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? 的責(zé)任,對(duì)應(yīng)的理賠也是不同的。具體賠償內(nèi)容如下：</p><p>一、意外身故,指的就是因?yàn)橥话l(fā)的、外來(lái)的、非本意的、非疾病的原因,導(dǎo)致被保險(xiǎn)人身故。如果這份意外險(xiǎn)的保額為20萬(wàn),那么保險(xiǎn)公司會(huì)一次性賠付20萬(wàn)元。</p><p>二、意外殘疾,也是因?yàn)橐馔馐鹿实脑?導(dǎo)致被保險(xiǎn)人有身體殘疾的情況下,才可以理賠。這時(shí)候一般需要被保險(xiǎn)人先進(jìn)行傷殘等級(jí)鑒定,保險(xiǎn)公司再根據(jù)傷殘等級(jí)按比例賠付。傷殘等級(jí)最高為1級(jí),對(duì)應(yīng)賠付比例100%保額人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? ；最低為10級(jí),對(duì)應(yīng)賠付比例為10%保額。有一個(gè)情況需注意,如果被保險(xiǎn)人在理賠過(guò)意外傷殘保險(xiǎn)金之后,再發(fā)生意外事故導(dǎo)致身故,那么這時(shí)候理賠的意外身故保險(xiǎn)金,一般都需要扣除掉已經(jīng)理賠過(guò)的傷殘保險(xiǎn)金的金額,再賠付剩余的部分。</p><p>三、意外醫(yī)療,是被保險(xiǎn)人因?yàn)橐馔馐鹿识a(chǎn)生的醫(yī)療費(fèi)用,可以通過(guò)保險(xiǎn)報(bào)銷,這項(xiàng)責(zé)任其實(shí)實(shí)用性很高,小至貓爪狗咬、磕傷碰傷,大至交通意外事故,產(chǎn)生的醫(yī)療費(fèi)都能管。</p><p>但這項(xiàng)責(zé)任一般保額較低,一兩萬(wàn)的額度已經(jīng)算比較高的。大多數(shù)意外醫(yī)療的責(zé)任都是0免賠、100%報(bào)銷的,不過(guò)您這份50元一年的意外險(xiǎn),還是需要看一下具體的責(zé)任,是否有免賠額,報(bào)銷比例是多少,報(bào)銷范圍是否限制在社保目錄內(nèi),是否需要以社保身份就醫(yī)之后才能報(bào)銷等重要信息才能確定具體怎么賠。</p><p>測(cè)一測(cè)你的抗風(fēng)險(xiǎn)指數(shù)，專家為你免費(fèi)解讀！</p><strong>學(xué)校意外傷害保險(xiǎn)怎么賠付</strong><p>一、學(xué)校意外傷害保險(xiǎn)怎么賠付</p><p>1、學(xué)校意外傷害保險(xiǎn)賠付方式如下：</p><p>（1）被保險(xiǎn)學(xué)生因意外事故導(dǎo)致殘疾的人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? ，保險(xiǎn)公司按照殘疾等級(jí)進(jìn)行賠付；</p><p>（2）如果意外傷殘人保學(xué)生意外保險(xiǎn)怎么賠償?shù)? ，保險(xiǎn)公司按照保險(xiǎn)金額乘以該項(xiàng)殘疾對(duì)應(yīng)佩服比例進(jìn)行賠償；</p><p>（3）意外保險(xiǎn)賠償多少關(guān)鍵是與保險(xiǎn)金額的多少有關(guān)系，保險(xiǎn)金額越高，獲得的賠償就越多。</p><p>2、法律依據(jù)：《中華人民共和國(guó)保險(xiǎn)法》第九十五條 </p><p>保險(xiǎn)公司的業(yè)務(wù)范圍：</p><p>（一）人身保險(xiǎn)業(yè)務(wù)，包括人壽保險(xiǎn)、健康保險(xiǎn)、意外傷害保險(xiǎn)等保險(xiǎn)業(yè)務(wù)；</p><p>（二）財(cái)產(chǎn)保險(xiǎn)業(yè)務(wù)，包括財(cái)產(chǎn)損失保險(xiǎn)、責(zé)任保險(xiǎn)、信用保險(xiǎn)、保證保險(xiǎn)等保險(xiǎn)業(yè)務(wù)；</p><p>（三）國(guó)務(wù)院保險(xiǎn)監(jiān)督管理機(jī)構(gòu)批準(zhǔn)的與保險(xiǎn)有關(guān)的其他業(yè)務(wù)。</p><p>保險(xiǎn)人不得兼營(yíng)人身保險(xiǎn)業(yè)務(wù)和財(cái)產(chǎn)保險(xiǎn)業(yè)務(wù)。但是，經(jīng)營(yíng)財(cái)產(chǎn)保險(xiǎn)業(yè)務(wù)的保險(xiǎn)公司經(jīng)國(guó)務(wù)院保險(xiǎn)監(jiān)督管理機(jī)構(gòu)批準(zhǔn)，可以經(jīng)營(yíng)短期健康保險(xiǎn)業(yè)務(wù)和意外傷害保險(xiǎn)業(yè)務(wù)。</p><p>保險(xiǎn)公司應(yīng)當(dāng)在國(guó)務(wù)院保險(xiǎn)監(jiān)督管理機(jī)構(gòu)依法批準(zhǔn)的業(yè)務(wù)范圍內(nèi)從事保險(xiǎn)經(jīng)營(yíng)活動(dòng)。</p><p>二、意外醫(yī)療保險(xiǎn)報(bào)銷有什么流程</p><p>意外醫(yī)療保險(xiǎn)報(bào)銷的流程如下：</p><p>1、事故發(fā)生后，需要及時(shí)通知保險(xiǎn)公司報(bào)案，并將相關(guān)的事故詳情告知保險(xiǎn)公司，包括時(shí)間、地點(diǎn)、經(jīng)過(guò)等內(nèi)容；</p><p>2、在處理意外事故的過(guò)程中，被保險(xiǎn)人需要收集準(zhǔn)備相應(yīng)的報(bào)銷資料，再將報(bào)銷申請(qǐng)和報(bào)銷資料交給保險(xiǎn)公司，申請(qǐng)報(bào)銷；</p><p>3、保險(xiǎn)公司審核申請(qǐng)人提交的資料，審核通過(guò)后，保險(xiǎn)公司將報(bào)銷金額賠付到被保險(xiǎn)人相應(yīng)的銀行卡內(nèi)。</p></div> 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title="在淘寶店買了12盒小米，商家說(shuō)已發(fā)貨，但實(shí)際只收到1盒，第二天又收到兩盒，這個(gè)過(guò)程中我多次詢問(wèn)是否發(fā)貨，是否能到，他都說(shuō)可以，在最后告訴我還沒(méi)有發(fā)貨，導(dǎo)致客戶到了之后未能發(fā)貨，我不得不重新購(gòu)買，由于給公司造成了不好的影響我的兩次購(gòu)買公司不予報(bào)銷，且本月績(jī)效扣除，商家不予任何賠償，這種行為我是否可以起訴他，">在淘寶店買了12盒小米，商家說(shuō)已發(fā)貨，但實(shí)際只收到1盒，第二天又收到兩盒，這個(gè)過(guò)程中我多次詢問(wèn)是否發(fā)貨，是否能到，他都說(shuō)可以，在最后告訴我還沒(méi)有發(fā)貨，導(dǎo)致客戶到了之后未能發(fā)貨，我不得不重新購(gòu)買，由于給公司造成了不好的影響我的兩次購(gòu)買公司不予報(bào)銷，且本月績(jī)效扣除，商家不予任何賠償，這種行為我是否可以起訴他，</a></h2> <div id="h8vwpehz5e3o" class="dao"> <span id="h8vwpehz5e3o" class="icon">答</span> <div>律師回復(fù)中...</div> </div> <div id="h8vwpehz5e3o" class="lawyer"> <script src="https://api.dalvlaw.com/Api.aspx?action=wdlistlawyer&id=286897"></script> <div>2024-10-11 16:50</div> </div> </div> <div id="h8vwpehz5e3o" class="show"> <div id="h8vwpehz5e3o" class="tu"><img src="https://oss.dalvlaw.com/UploadFile/defimg/laws/jtsg/37.jpg" alt=""></div> <div id="h8vwpehz5e3o" class="centent "> <h2 class="title"><a href="/doc/389313.html" 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