1, scope of protection, construction accident insurance refers to a kind of insurance that compensates for the losses caused by personal accidents of employees on construction sites. The main protection is the accidental injuries that may occur in the course of work, including death, disability and acute diseases. Group accident insurance refers to a kind of insurance that compensates for the losses caused by personal accidental injuries among specific people. This crowd can be employees of enterprises, students, members of societies and so on. The main protection is the possible accidental injuries of this group in life, work and study.

2. Insurance amount, the insurance amount of construction accident insurance is generally higher, because construction workers face greater risks in their work and the probability of accidents is higher. The insurance amount of group accident insurance is relatively low, because the risks of group personnel are relatively scattered and the probability of accidents is relatively low.

3. Insurance costs and construction accident insurance costs are generally higher, because construction workers face greater risks at work, and insurance companies need to pay higher compensation. The insurance cost of group accident insurance is relatively low, because the risks of group personnel are relatively scattered and the amount that insurance companies need to pay is relatively low.

4. Reimbursement method: the reimbursement method of construction accident insurance is generally reimbursement, that is, the insured needs to pay the medical expenses first, and the insurance company provides relevant certification materials before paying. The reimbursement method of group accident insurance is generally to pay first and then reimburse, that is, after the insured has an accidental injury, the insurance company pays first, and then the insured provides relevant certification materials for reimbursement.