The first home loss of disability income insurance (hereinafter referred to as "disability insurance") is available. Yesterday, the reporter from the China People's Insurance Health insurance companies have learned that the company introduced group disability insurance, compensation for the victims of industrial accidents can lead to injury or loss of income disabled persons.
Disability insurance is a kind of health insurance, refers to the insurance contract as a result of disease or accident led to the loss of working ability to pay insurance premiums, insured for a certain period of time to reduce or interrupt the provision of income protection insurance. Its been abroad more than 100 years of history of the development.
PICC Health, general manager of product development QIAO Shan Bo said that China's insurance companies have not previously set foot in this market, mainly because of the disability insurance business operations, risk control, claims services and other aspects demanding.
At present in the country, for workers with disabilities after the loss of industrial injury insurance companies to participate in only a partial solution as a result of injuries caused by the cost of disability, general accident insurance for accidental disability only a one-time compensation, the general reason for cause of disability The lower the income, there is no insurance can compensate.
"Disability insurance is not a substitute for industrial injury insurance, with medical care, sickness and accident insurance and so on, they can bodies to provide a complete employee benefits scheme." QIAO Shan Bo told reporters that the needs of different sectors, transportation, railway bridge construction Infrastructure such as industry demands for stronger labor protection, disability insurance will also be the "main" in these sectors.
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