This kind of insurance is usually provided by the cooperation between schools and insurance companies, and it is an essential policy for most colleges and universities to ensure that students get proper protection during their studies.
I. Contents and scope of insurance:
Medical insurance: University insurance usually includes reimbursement of medical expenses for accidental injuries. If a student needs hospitalization or treatment due to accidental injury during school, the insurance company will pay the medical expenses according to the contract.
Hospitalization allowance: during the hospitalization of students due to accidental injuries, university insurance usually provides daily hospitalization allowance to compensate for the reduction of living expenses caused by injuries.
Disability compensation: If a student is permanently disabled due to an accident, the insurance company will pay a certain amount of disability compensation according to the contract.
Death compensation: If a student dies unfortunately due to an accidental injury, the insurance company will pay death compensation to the student's family.
Second, the necessity of insurance:
Financial security: Students are usually the breadwinners of families. In the event of accidental injury, the expenditure of medical expenses and living expenses may bring great economic pressure to families. Xue Ping insurance can alleviate these burdens to some extent.
Safeguarding studies: Accidental injuries may lead to long-term treatment and rehabilitation of students and affect their studies. The protection provided by Xue Ping Insurance can ensure that students can get necessary medical and living support in the face of accidental injuries, thus ensuring that their studies will not be greatly affected.
Legal obligation: According to the relevant laws and regulations, the school has the obligation to buy accident insurance for students to protect their basic rights and interests during school.
Three. Insurance purchase and claim settlement process:
Purchase: Usually, the school will help students buy insurance when they enter school, and the insurance premium may have been included in the tuition fee. After students enter the school, the school will provide them with insurance policies and related instructions.
Claim: If students have accidental injuries, they need to report to the school and insurance company in time, provide medical certificates and related materials, and then make claims according to the provisions of the insurance contract.