First, punctuality.
Meituan punctual treasure is paid by the insured insurance company. Meituan JIT Bao is a take-away delay insurance product insured by store merchants for every take-away order when Meituan take-away users place orders through Meituan. Its claim scope mainly covers the losses caused by overtime orders to users.
The actual delivery time of the order is overtime. After the claim conditions are met, the delay insurance underwriting insurance company will pay a certain amount of insurance money to the takeaway users. Moreover, it should be noted that if the user cancels his takeaway order, the punctual treasure will also be cancelled.
Second, additional insurance.
The rider of Meituan belongs to a relatively high-risk position, so Meituan has introduced the accident insurance of detaining 3 yuan every day. Cyclists walking on the road or riding bicycles on the road are risky, so it will be more reassuring to buy a guarantee. Let's take a look at the rider insurance of Meituan.
1, how much can Meituan crowdsource 3 yuan Insurance compensate?
The compensation scope of Meituan Accident Insurance is as follows:
There are mainly accidental medical treatment and accidental disability. Accidental medical treatment is reimbursed according to medical expenses, and the reimbursement amount is more than 20,000 yuan. Accidental disability is compensated according to the degree of disability of the insured, and the amount fluctuates between 30,000, 50,000 and 1 10,000. The specific amount of compensation depends on the amount agreed in the insurance contract and the disability level of the insured.
The maximum compensation for accidental death and disability is 654.38+10,000 yuan, which is paid according to the disability level;
The maximum medical compensation for accidental hospitalization is 65,438+0,000 yuan, including medical expenses that can be reimbursed for accidental hospitalization (including outpatient service) according to social security regulations. More than 1 000 yuan, medical insurance pays 80%;
2. The claim process of accident insurance for Meituan riders:
The general information of the insurance accident is as follows: When the insurance accident happens, the photos of the accident scene will be uploaded to the "Fast Runner Distribution APP" immediately, and the insured will upload the hand-held ID card and photos of the injured part to the "Fast Runner Distribution APP" when seeing a doctor.
After seeing a doctor, the insured should first claim compensation from the social security department in accordance with the relevant provisions of social security.
When making claims, if the total outpatient expenses are less than 1 1,000 or the hospitalization amount is less than 1 1,000, you can make online claims after reimbursement through other channels; The total cost of unexpected outpatient service 1000 yuan, and the remaining amount after accidental hospitalization or other reimbursement 1000 yuan. Paper claims must be submitted in the business hall of the nearest insurance company.
There is no need to investigate the claims with confirmed insurance accidents and complete documents, and the compensation will be directly transferred to the employee's personal account or designated account through the bank within 7 working days.