The first thing you need to determine is what type of insurance you have, whether it's employer's liability insurance or employee's accident insurance, or personal accident insurance, the different types of insurance, the way of payment is also different. If it is employer's liability insurance, you must make sure that you are actually on your way to work, and the specific type of insurance to be paid out. As for the employee accident insurance and personal accident insurance, specific look at their own purchase of the insurance category to pay out.

Definition of Employer's Liability Insurance:

Employer's Liability Insurance refers to the liability for medical expenses and financial compensation for injury, disability or death of an employee employed by an insured person who is injured, disabled or killed by an accident or by an occupational disease prescribed by the state in connection with the business of the insured person in the course of the employee's employment as stated in the insurance policy, for which the insured person is liable in accordance with the "People's Republic of China Labor Law" and the labor contract. Medical expenses and financial liability, including litigation expenses, shall be compensated by the insurer within the stipulated indemnity limit.

Definition of Employee Accident Insurance:

Employee accident insurance refers to the company in order to transfer the risk, the company's employees to take out an accident insurance, the employee suffered from accidental injuries caused by the death of the employee, disability, medical expenses or temporary loss of the ability to work after the insurance company to pay the conditions of the insurance premium.

Definition of personal accident insurance:

Personal accident insurance, also known as accidental injury insurance, also known as personal accident insurance. It is a kind of insurance in which the policyholder pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury during the insurance period and death or disability is caused by this as a direct cause, the insurance company pays a certain amount of premium to the insured or beneficiary according to the agreement of the insurance contract. It has a short-term nature, flexibility and low premiums.

Accidental injury insurance coverage items include death benefit, disability benefit, medical benefit and stop work benefit. It should be noted that the accidental injury referred to here must be the human body injury, artificial devices to replace the human body function of the prosthetic limbs, false eyes, false teeth, etc., is not a part of the person's natural body, can not be the object of insurance.