Q：
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Can the insured claim for injury or illness benefits if the policy is surrendered after an injury or illness occurs?
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A：
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If the insured suffers an injury or illness that occurs during the validity period of the insurance and is unable to work due to the injury or illness within 1 year after surrendering the policy, and meets the claim requirements, he or she can still enjoy the right to claim for injury or illness benefits.
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Q：
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Why does it stipulate that those who have already received their original salary are not allowed to claim for injury and illness benefits?
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A：
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The purpose of injury and illness benefits is to ensure the life security of the insured who is unable to work due to injury or illness and is unable to obtain his or her original salary. Therefore, countries that implement social insurance all use the failure to obtain the original salary as a condition for claiming injury and illness benefits.
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Q：
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Why is it stipulated that injury and illness benefits will be paid from the 4th day after being unable to work?
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A：
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Reduce the number of applications for benefits for people with minor injuries (illnesses), and simplify the administrative work between insured units, medical institutions and the Labor Insurance Bureau.
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The three-day benefit amount is very small. It is not much after deducting the medical certificate fee and does not affect the living expenses of the insured.
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The insured person receives less than 3 days of injury and illness benefits. Although the amount of injury and illness benefits is small, the insurance fund accumulates to pay for serious injuries and serious injuries.
A large amount of injury and illness benefits for the patient.
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Q：
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Can an insured who has been laid off or laid off apply for injury or illness benefits if an insured accident occurs while continuing to participate in labor insurance?
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A：
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The insured who has been laid off, laid off, and renewed has no income from work and no salary shortage due to injury or illness. Therefore, injury and illness benefits will not be provided in accordance with regulations.
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Q：
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After claiming disability benefits, can I still claim injury and illness benefits?
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A：
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After the insured person terminates treatment for an injury or illness and receives the disability benefit of being "unable to work for life", he can no longer claim for the injury or illness benefit. However, if the insured person receives the disability benefit and is "still adding insurance" "If the employee still needs further treatment due to the injury, is unable to work, and cannot receive his original salary, he may continue to apply for injury benefits.
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FAQ
