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在今年“6·26”武航空难中,人保向4位机组人员家属提前支付了保险赔款97.2万元。那么,这是一笔什么性质的保险呢?这就是雇主责任保险。在武航空难中每位机组人员可获得的最高赔偿限额为24.3万元。雇主责任保险是指被保险人所雇用的员工,在受雇过程中从事保险单所载明的与被保险人的业务有关的工作时,因遭受意外事故而受伤、残废或因患有与业务有关的职业性疾病,所致伤残或死亡,被保险人根据法律或雇用合同,须负担医药费用及经济赔偿责任,包括应支出的诉讼费用,由保险人在规定的赔偿限额内负责赔偿的一种保险。
In this year’s “6.26” air strikes in the military, PICC four families of crew members to pay the insurance claims in advance 972,000 yuan. So, what is the nature of this insurance? This is the employer’s liability insurance. The maximum compensation limit that each crew member can receive in the air accident is RMB243,000. Employer liability insurance refers to the employee employed by the insured person who is injured, disabled or suffering from and suffering from an accident as a result of engaging in work related to the insured’s business as stated in the policy in the course of employment Related occupational diseases, resulting in disability or death, the insured person under the law or employment contract, bears the medical expenses and financial liability, including costs should be incurred by the insurer within the prescribed compensation limits are responsible for compensation A kind of insurance