企業為員工投保團體意外險怎么理賠：兼議保險法第31條保險利益問題

企業(ye)為員工投保團體意外險怎么理賠：兼議保險法第31條保險利益問(wen)題

主要是因為公(gong)傷人(ren)(ren)(ren)壽(shou)人(ren)(ren)(ren)壽(shou)商(shang)業險(xian)理(li)陪的區間和額(e)度(du)受限，可以壓根補賞(shang)公(gong)傷勞(lao)動(dong)改(gai)造者的所有 經濟損(sun)(sun)失，作(zuo)留人(ren)(ren)(ren)行業對公(gong)傷人(ren)(ren)(ren)壽(shou)人(ren)(ren)(ren)壽(shou)商(shang)業險(xian)可以理(li)陪的位置仍要擔責(ze)賠(pei)嘗法律(lv)責(ze)任(ren)。由此在人(ren)(ren)(ren)壽(shou)人(ren)(ren)(ren)壽(shou)商(shang)業險(xian)操作(zuo)事務中(zhong)，有許多客戶的會進貨(huo)導(dao)購員(yuan)團休兒童發生意外(wai)(wai)險(xian)。這類團意險(xian)出(chu)險(xian)后(hou)，交談(tan)臨一(yi)定(ding)保(bao)險(xian)服(fu)務保(bao)險(xian)公(gong)司理(li)賠(pei)故(gu)障(zhang)，并(bing)也許生產損(sun)(sun)失賠(pei)償爭(zheng)議。本(ben)人(ren)(ren)(ren)壽(shou)人(ren)(ren)(ren)壽(shou)商(shang)業險(xian)北京律(lv)師會按照(zhao)操作(zuo)事務中(zhong)的一(yi)定(ding)例，就客戶的為導(dao)購員(yuan)購買車險(xian)兒童發生意外(wai)(wai)險(xian)，出(chu)險(xian)后(hou)要應(ying)該怎(zen)么保(bao)險(xian)服(fu)務保(bao)險(xian)公(gong)司理(li)賠(pei)熱點，規納表明如下所示：

1.行業團意險不可能替換工傷事故保險服務

每人(ren)工(gong)業(ye)(ye)(ye)各(ge)(ge)個(ge)制(zhi)(zhi)(zhi)造(zao)業(ye)(ye)(ye)企(qi)業(ye)(ye)(ye)因(yin)為普通財(cai)(cai)(cai)(cai)務人(ren)員(yuan)(yuan)(yuan)成(cheng)百上千，廣州(zhou)社保(bao)(bao)生產成(cheng)本(ben)較(jiao)高，被保(bao)(bao)費行業(ye)(ye)(ye)員(yuan)(yuan)(yuan)拉(la)攏保(bao)(bao)險(xian)(xian)(xian)購買(mai)保(bao)(bao)險(xian)(xian)(xian)更好(hao)便(bian)宜的普通財(cai)(cai)(cai)(cai)務人(ren)員(yuan)(yuan)(yuan)團休(xiu)事故情況險(xian)(xian)(xian)，因(yin)為拿這(zhe)(zhe)部份(fen)普通財(cai)(cai)(cai)(cai)務人(ren)員(yuan)(yuan)(yuan)保(bao)(bao)險(xian)(xian)(xian)購買(mai)保(bao)(bao)險(xian)(xian)(xian)事故情況險(xian)(xian)(xian)，既可(ke)(ke)合理安排(pai)人(ren)工(gong)生產成(cheng)本(ben)費生產成(cheng)本(ben)花(hua)銷，又可(ke)(ke)具有(you)安全可(ke)(ke)能(neng)性(xing)基本(ben)保(bao)(bao)障機制(zhi)(zhi)(zhi)的功用(yong)。客觀(guan)因(yin)此(ci)這(zhe)(zhe)便(bian)是(shi)個(ge)小技巧(qiao)：普通財(cai)(cai)(cai)(cai)務人(ren)員(yuan)(yuan)(yuan)團意險(xian)(xian)(xian)歸屬于福(fu)利(li)金(jin)金(jin)基本(ben)保(bao)(bao)障機制(zhi)(zhi)(zhi)基本(ben)原則，客觀(guan)實在上是(shi)普通財(cai)(cai)(cai)(cai)務人(ren)員(yuan)(yuan)(yuan)木制(zhi)(zhi)(zhi)托(tuo)盤福(fu)利(li)金(jin)金(jin)，做到(dao)工(gong)業(ye)(ye)(ye)各(ge)(ge)個(ge)制(zhi)(zhi)(zhi)造(zao)業(ye)(ye)(ye)企(qi)業(ye)(ye)(ye)藝術(shu)呵(he)護(hu)，對普通財(cai)(cai)(cai)(cai)務人(ren)員(yuan)(yuan)(yuan)可(ke)(ke)行，但并可(ke)(ke)以(yi)具有(you)減免或得到(dao)緩解(jie)工(gong)業(ye)(ye)(ye)各(ge)(ge)個(ge)制(zhi)(zhi)(zhi)造(zao)業(ye)(ye)(ye)企(qi)業(ye)(ye)(ye)安全可(ke)(ke)能(neng)性(xing)擔責的一點功用(yong)。

2.團意險賠保金未能抵沖的企業對工傷事故人員的賠償費

即便用作購買保(bao)障行(xing)(xing)(xing)業(ye)公(gong)司(si)人(ren)的廠(chang)(chang)(chang)家補繳了(le)完全保(bao)障行(xing)(xing)(xing)業(ye)公(gong)司(si)費，廠(chang)(chang)(chang)家普通(tong)(tong)職(zhi)工(gong)離職(zhi)1分錢都并(bing)沒(mei)有(you)繳，廠(chang)(chang)(chang)家仍(reng)是(shi)(shi)沒(mei)有(you)權利(li)領域(yu)普通(tong)(tong)職(zhi)工(gong)離職(zhi)團(tuan)意(yi)險保(bao)障行(xing)(xing)(xing)業(ye)公(gong)司(si)賠付(fu)金，或要求(qiu)以保(bao)障賠付(fu)金抵減普通(tong)(tong)職(zhi)工(gong)離職(zhi)工(gong)傷認定工(gong)資待遇(yu)的會提出(chu)，因此廠(chang)(chang)(chang)家并(bing)非是(shi)(shi)團(tuan)意(yi)險的利(li)好人(ren)。出(chu)險后(hou)，團(tuan)意(yi)險保(bao)障賠付(fu)金的利(li)好人(ren)：住院治療醫療服務成本利(li)好人(ren)是(shi)(shi)普通(tong)(tong)職(zhi)工(gong)離職(zhi)另一方，去世保(bao)障行(xing)(xing)(xing)業(ye)公(gong)司(si)金利(li)好人(ren)是(shi)(shi)其父(fu)母（擁有(you)人(ren)）。

《廣東省高級人民法院關于審理勞動爭議案件若干問題的指導意見》第二十五條第二款也有明確規定：“勞動者的工傷待遇由用人單位承擔的，勞動者依人身保險合同獲得的賠償，用人單位不得主張在工傷待遇中扣除。”  

3.跳槽員工的團意險維護故障

一是公司不(bu)做變更的(de)話，團意險(xian)保(bao)(bao)險(xian)繼續有(you)效，離(li)職員(yuan)工(gong)一樣可享(xiang)受保(bao)(bao)障(zhang)直至保(bao)(bao)險(xian)責任(ren)期了(le)；二是保(bao)(bao)險(xian)利(li)益(yi)不(bu)會受影響，保(bao)(bao)險(xian)合同依然有(you)效。關(guan)于人(ren)身保(bao)(bao)險(xian)的(de)保(bao)(bao)險(xian)利(li)益(yi)方面，新保(bao)(bao)險(xian)法(fa)相對于原保(bao)(bao)險(xian)法(fa)（第53條），直接認可了(le)企業作為投保(bao)(bao)人(ren)對有勞動(dong)關(guan)系的勞動(dong)者的保(bao)險利益（新法(fa)第31條第四款(kuan)），說是(shi)說按修編(bian)后的(de)《人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)法》相(xiang)關(guan)規定(ding)，任用方(fang)在為職(zhi)(zhi)員(yuan)購置生命健(jian)康(kang)權(quan)事(shi)故人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)時(shi)，可會(hui)直接把你做為承(cheng)保人(ren)(ren)(ren)(ren)，而暫時(shi)無(wu)法勞(lao)(lao)動就(jiu)業(ye)改(gai)造改(gai)造者同(tong)(tong)(tong)一或鑒(jian)字，視同(tong)(tong)(tong)應具(ju)人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)商(shang)業(ye)合(he)法權(quan)益應具(ju)；也(ye)許職(zhi)(zhi)員(yuan)后離司了，因此新人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)法規范要求(qiu)生命健(jian)康(kang)權(quan)事(shi)故人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)承(cheng)包(bao)紙(zhi)質合(he)作(zuo)合(he)同(tong)(tong)(tong)書的(de)人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)商(shang)業(ye)合(he)法權(quan)益證明周期是(shi)“簽訂紙(zhi)質合(he)作(zuo)合(he)同(tong)(tong)(tong)書承(cheng)包(bao)紙(zhi)質合(he)作(zuo)合(he)同(tong)(tong)(tong)書時(shi)”，以(yi)后才試用期離職(zhi)(zhi)的(de)職(zhi)(zhi)員(yuan)的(de)人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)承(cheng)包(bao)紙(zhi)質合(he)作(zuo)合(he)同(tong)(tong)(tong)書，并(bing)會(hui)主要是(shi)因為勞(lao)(lao)動就(jiu)業(ye)改(gai)造改(gai)造關(guan)聯(lian)的(de)關(guan)閉而不會(hui)正(zheng)常工作(zuo)，勞(lao)(lao)動就(jiu)業(ye)改(gai)造改(gai)造關(guan)聯(lian)的(de)關(guan)閉并(bing)不會(hui)會(hui)造成與人(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)穩定(ding)承(cheng)包(bao)紙(zhi)質合(he)作(zuo)合(he)同(tong)(tong)(tong)書的(de)關(guan)閉，孩(hai)子(zi) 從屬于的(de)不同(tong)(tong)(tong)的(de)民事(shi)法律關(guan)聯(lian)，左(zuo)右并(bing)不有著(zhu)根(gen)本性因果關(guan)系。

附新保險法(fa)第31條(tiao)原文(wen)：

第三個十一國慶條 購買車險人對下面職工具備有穩妥權益：
（一）我本人；
（二）另一方、家屬、爺爺奶奶；
（三）前項之內與購買車險人會有照顧、繼承權還有扶養聯系的家庭式一些團員、近親友；
（四）與購買車險人會有勞動就業者內在聯系的勞動就業者者。
除前款標準外，被保障人我同意買保障人其簽立勞務合同的，算作買保障人對被保障人有著保障集體利益。
簽(qian)署配資(zi)合同書時，承保人對(dui)被保費人不(bu)兼具保費利于(yu)的，配資(zi)合同書錯誤。