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arm candy jewelry wholesale 1. What is Meituan riding insurance?
Meituan riding insurance is an accident insurance for the Meituan platform forced riding. The Meituan rider will automatically deduct 3 yuan insurance premiums as long as they start receiving orders, and they need to pay 90 yuan per month. If a traffic accident or an accident occurs, you can apply for claims.
. The scope of the Meituan riding insurance claims
It's insurance business cooperation agreement signed by Meituan crowdsourcing and Meituan riders, the scope of claims includes the rider's order to 1:30 the next day the next day the next day During the period, the individual accidents and the loss of personal property caused by the three were as follows:
1. Death and disability compensation (excluding sudden death)
The maximum compensation limit of 600,000 yuan. Accidental damage refers to an objective incident of external, unexpected, non -original, non -disease, and non -disease. It is not an accidental damage. The disability will pay the insurance premium according to the income ratio corresponding to the disability level.
2. Medical expenses
(1) Compensation for medical expenses that are necessary and reasonably treat in hospitals, including: registered costs, treatment fees, surgical fees, examination fees, medical expenses, materials, emergency vehicles, first -aid vehicles, first aid cars Fees (excluding mistakes); bed fees during hospitalization.
(2) The maximum compensation limit for accident medical care is 50,000 yuan, without free compensation. After the risk, you must go to a public hospital for the second and second levels, otherwise you will not pay the claim. The cost of medication, examination and treatment within the scope of medical insurance is 100%compensated. rn（3）前述的“死亡赔偿金”“伤残赔偿金”“医疗费用”以外的项目和费用为除外责任：如营养费、康复费、辅助器具费、整容费、美容费、 Repair surgical costs, dental plastic surgery, dental repair fee, dental firing fee, nursing fee, transportation fee, transportation and accommodation, funeral expenses, maintenance fees, maintenance fees, mental damage compensation, alimony maintenance, insurance bill issuance place for social medical insurance or other other place Self -funded projects and drug costs stipulated by the public medical management department.
3. Three compensation for death and disability, medical care, physical damage
(1) Third -party personal injury (including death, disability, medical treatment) compensation is as good The amount of disability compensation is 200,000 yuan to calculate the amount of death compensation. Disability identification must calculate the compensation in accordance with the "Personal Insurance Disability Evaluation Standards (Industry Standards)" (Zhongbao Xiefa [2013] No. 88).
(2) Third party accidental injury medical compensation:
Celatable and reasonable medical expenses for hospitalization, including: registration fee, treatment fee, surgery, examination fee, medical expenses, medical expenses , Material costs, first aid fares; bed fees during hospitalization (including three misunderstandings, nursing fees)
(3) Third -party property loss: third party property loss part, deduct 300 yuan exemptions The amount of compensation is paid higher than RMB 50,000.
The object loss parts do not include the following labels: (1) Gold, silver, jewelry, diamonds, jade, jewelry, ancient coins, antique books, ancient paintings, stamps, calligraphy and paintings, rare metals and other precious property; 2) Portable communication devices, portable computer equipment, portable camera equipment, and other portable devices and equipment; (3) currency, ticket, securities, and cash -value magnetic cards, integrated circuits (IC) cards and other cards; (4 4 ) Files, books, charts, technical data, computer software, computer data, etc. cannot identify value.
This above responsibility: Death and disability, medical care, and physical damage shared 200,000, exceeding the insured part, the insurance liability termination
From the point of view of the above claims Insurance helps the rider's rights to the greatest extent.