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團體保險                           咨詢電話:0551-65220168

       1、團體保險定義
       團體保險是由保險公司用一份保險合同為團體內的許多成員提供保險保障的一種保險業務。在團體保險中,符合上述條件的“團體”為投保人,團體內的成員為被保險人,保險公司簽發一張總保單給投保人,為其成員因疾病、傷殘、死亡以及離職退休等提供補助醫療費用、給付撫恤金和養老保障計劃。   在實務經營中,人們常常按照團體保險合同的保障范圍(即保險責任),將團體保險劃分為團體人壽保險(含團體養老保險)、團體健康保險、團體意外傷害保險。團體保險具有:風險選擇特殊、保險計劃靈活、經營成本低廉、服務管理專業、保費分擔的特點。
         2、團體保險的內容
       (一)團體定期人壽保險,團體定期人壽保險常簡稱為團體定期保險,是指以經過選擇的團體中的員工為被保險人,團體或團體雇主作為投保人,保險期間為一年的死亡保險。          (二)團體信用人壽保險,團體信用人壽保險是指為保全住宅貸款定期付款銷售等分期償還債權,由貸款提供機構或信用保證機構作為投保人(受益人),以與其發生借貸關系的眾多分期付款債務人作為被保險人,同保險人簽訂的一種團體保險合同。   
       (三)團體養老保險,團體養老保險是指員工退休后,由保險人一次性按保險金額向退休員工支付一筆款項,供其養老生活所用,這種團體保險稱為團體養老保險。不過,隨著企業年金的發展,近年來,團體員工的退休保障逐漸由團體養老保險轉向企業年金保險。   
       (四)團體終身保險,團體終身保險則是指以團體或其雇主為投保人,團體員工為被保險人,一旦被保險人死亡,由保險人負責給付死亡保險金的一種保險產品。   
       (五)繳清退休后終身保險,繳清退休后終身保險是一種以企業年金方式設立的團體終身保險,團體的員工自行負擔保險費,逐年約定繳清,每年保障的差額由團體的雇主以購買定期保險的方式來彌補。   
       (六)團體遺屬收入給付保險,團體遺屬收入給付保險,以團體或其雇主作為投保人,團體所屬員工為被保險人,員工的遺屬作為受益人,團體或其雇主與保險人簽訂保險合同,約定在員工死亡時,由保險人向死亡員工的遺屬給付死亡保險金。   
       (七)團體萬能壽險,團體萬能壽險,團體雇主一般不為團體萬能壽險繳付任何保險費,所以,團體萬能壽險并不是一種嚴格意義上的團體保險產品。不過,如果團體的規模較大,可以按該團體的經驗數據收取死亡率費用,而且收取的管理費用比個人保險產品低。

星空彩票
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