意外傷害停工保險

基本簡介

意外傷害停工保險指以被保險人因遭受人身意外傷害
，暫時喪失勞動能力而不能工作為給付保險金條件的保險。它的基本內容是：toubaorenxiangbaoxianrenjiaonabaoxianfei
，dangbeibaoxianrenzaibaoxianqijianneizaoshourenshenyiwaishanghaizanshisangshilaodongnenglibunenggongzuoshi，baoxianrengeifubeibaoxianrentinggongbaoxianjin。renshenyiwaishanghaitinggongbaoxianyibanbudanduchengbao，ershizuoweirenshenyiwaishanghaisiwangcanjibaoxiandefujiaxianchengbao。qizuoyongzhuyaozaiyubuchangbeibaoxianrenyinzaoshourenshenyiwaishanghaizanshibunenggongzuoerjianshaodelaodongshouru。

名詞界定

tinggongyucanjidequbie。tinggongzhizanshisangshiquanbulaodongnengli，zaiyidingshiqineibunengcongshiyoulaodongshourudegongzuo。canjizhiyongjiusangshiquanbuhuobufenlaodongnengli。dangbeibaoxianrendecanjishiyongjiusangshiquanbulaodongnenglishi
，beibaoxianrenyongjiubunengcongshiyoulaodongshourudegongzuo;當(dang)被(bei)保(bao)險(xian)人(ren)的(de)殘(can)疾(ji)是(shi)永(yong)久(jiu)喪(sang)失(shi)部(bu)分(fen)勞(lao)動(dong)能(neng)力(li)時(shi)，被(bei)保(bao)險(xian)人(ren)仍(reng)能(neng)從(cong)事(shi)有(you)勞(lao)動(dong)收(shou)入(ru)的(de)工(gong)作(zuo)。如(ru)果(guo)發(fa)生(sheng)停(ting)工(gong)
，一(yi)般(ban)保(bao)險(xian)責(ze)任(ren)從(cong)被(bei)保(bao)險(xian)人(ren)遭(zao)受(shou)人(ren)身(shen)意(yi)外(wai)傷(shang)害(hai)時(shi)立(li)即(ji)開(kai)始(shi)
，而(er)保(bao)險(xian)事(shi)故(gu)造(zao)成(cheng)殘(can)疾(ji)與(yu)否(fou)
，隻(zhi)有(you)在(zai)被(bei)保(bao)險(xian)人(ren)治(zhi)療(liao)結(jie)束(shu)後(hou)才(cai)能(neng)確(que)定(ding)
，也(ye)即(ji)殘(can)疾(ji)的(de)保(bao)險(xian)責(ze)任(ren)並(bing)不(bu)一(yi)定(ding)在(zai)保(bao)險(xian)傷(shang)害(hai)發(fa)生(sheng)後(hou)就(jiu)開(kai)始(shi)。

tinggongbaoxianjindegeifuzaicanjibaoxianjindegeifuzhiqian。zairenshenyiwaishanghaitinggongbaoxianzhongyibandouguiding
，beibaoxianrenzailingqucanjibaoxianjinshi
，ruguobeibaoxianrenzengjinglingquguotinggongbaoxianjin，zebaoxianrenyaocongcanjibaoxianjinzhongkouhuizhebufentinggongbaoxianjin。

給付方式

人(ren)身(shen)意(yi)外(wai)傷(shang)害(hai)停(ting)工(gong)保(bao)險(xian)均(jun)采(cai)用(yong)定(ding)額(e)給(gei)付(fu)方(fang)式(shi)，當(dang)被(bei)保(bao)險(xian)人(ren)發(fa)生(sheng)停(ting)工(gong)損(sun)失(shi)時(shi)

，保(bao)險(xian)人(ren)在(zai)責(ze)任(ren)期(qi)限(xian)內(nei)按(an)保(bao)險(xian)金(jin)額(e)每(mei)日(ri)或(huo)每(mei)周(zhou)定(ding)額(e)給(gei)付(fu)停(ting)工(gong)保(bao)險(xian)金(jin)。但(dan)不(bu)能(neng)超(chao)過(guo)被(bei)保(bao)險(xian)人(ren)的(de)實(shi)際(ji)收(shou)人(ren)水(shui)平(ping)，一(yi)般(ban)情(qing)況(kuang)下(xia)，停(ting)工(gong)保(bao)險(xian)金(jin)為(wei)實(shi)際(ji)收(shou)入(ru)水(shui)平(ping)的(de)70%～80%。

責任期限

baoxianrenzhifuzebeibaoxianrenzaibaoxianqixianneizaoshourenshenyiwaishanghaizaochengdezerenqixianzhineidetinggongsunshi。zerenqixianzibeibaoxianrenzaoshourenshenyiwaishanghaizhiriqijisuan。baoxianqixianjieshushi

，ruguobeibaoxianrenrengbunenggongzuo，bingqiezerenqixianshangweijieshu，zebaoxianrenrengyaofuzegeifutinggongbaoxianjin。tinggongbaoxianjinzibeibaoxianrenzaoshourenshenyiwaishanghai、經醫療機構確定不能工作之日起給付，遇到下列情況之一的
，立即停止支付：

(1)被保險人死亡。

(2)被保險人恢複工作能力
、能夠從事有勞動收入的工作。

(3)被保險人的殘疾程度被確定，開始領取殘疾保險金。

(4)責任期限結束。

險種區別

首先，

殘疾收入補償保險的保單一般會規定一個推遲期(90天或半年)，在(zai)此(ci)期(qi)間(jian)被(bei)保(bao)險(xian)人(ren)不(bu)能(neng)獲(huo)得(de)任(ren)何(he)給(gei)付(fu)補(bu)償(chang)。超(chao)過(guo)推(tui)遲(chi)期(qi)，被(bei)保(bao)險(xian)人(ren)仍(reng)不(bu)能(neng)正(zheng)常(chang)工(gong)作(zuo)的(de)，保(bao)險(xian)人(ren)才(cai)開(kai)始(shi)承(cheng)擔(dan)保(bao)險(xian)金(jin)給(gei)付(fu)責(ze)任(ren)。推(tui)遲(chi)期(qi)的(de)規(gui)定(ding)，是(shi)由(you)於(yu)被(bei)保(bao)險(xian)人(ren)在(zai)短(duan)期(qi)內(nei)通(tong)常(chang)可(ke)以(yi)維(wei)持(chi)一(yi)定(ding)的(de)生(sheng)活(huo)，而(er)且(qie)有(you)的(de)殘(can)疾(ji)症(zheng)狀(zhuang)是(shi)暫(zan)時(shi)性(xing)的(de)，可(ke)以(yi)在(zai)短(duan)期(qi)內(nei)逐(zhu)漸(jian)恢(hui)複(fu)。

qici，tinggongbaoxianjindegeifuyibanzaicanjibaoxianjindegeifuzhiqian。dangbeibaoxianrenyinyiwaishanghaibunenggongzuoerlingquleyiduanshijiandetinggongbaoxianjinhou，ruozaibeijiandingweicanji，bianketongshilingqutinggongbaoxianjinhecanjibaoxianjin。buguo，youdebeibaoxianrenweiduolingbaoxianjin，huilingqutinggongbaoxianjinzhizerenqimanzaijiandingcanjichengdu，yilingqucanjibaoxianjin。weici，yiwaishanghaitinggongbaoxianzhongyibanmingqueguiding，beibaoxianrenlingqucanjibaoxianjinshi，ruozenglingquguotinggongbaoxianjin，zeyaocongcanjibaoxianjinzhongkouchuyibeilingqudezhebufentinggongbaoxianjin。