According to the insurance company insurance business cooperation agreement signed by Meituan Crowdsourcing and Meituan riders, the insurance claim scope of Meituan riders is as follows:

1, compensation for death and disability (excluding sudden death)

The maximum compensation limit is 600,000 yuan. Accidental injury refers to external, sudden, unintentional and non-disease objective events that harm the insured's body. Sudden death, suicide and self-injury caused by the above objective events are not accidental injuries. Disability will be paid in proportion to the level of disability.

2. Medical expenses

(1) Necessary and reasonable medical expenses compensation for hospitalization, including: registration fee, treatment fee, operation fee, examination fee, medical fee, material fee and first aid fee; (excluding lost time); Bed fee during hospitalization.

(2) The maximum compensation for accidental medical treatment is 50,000 yuan, with no deductible. After the accident, please go to the second-class and above public hospitals, otherwise you will not be compensated. 100% to pay for medication, examination and treatment in medical insurance coverage.

(3) Except for the above-mentioned "death compensation", "disability compensation" and "medical expenses", the items and expenses are excluded:

Such as nutrition, rehabilitation, assistive devices, beauty, cosmetic surgery, dental plastic surgery, dental restoration, dental inlay, nursing, transportation, accommodation, funeral expenses, alimony, maintenance expenses, compensation for mental damage, maintenance expenses, social medical insurance in the place where the policy is issued or other self-funded items and drug expenses stipulated by the public medical management department.

3. Compensation for death, disability, medical treatment and material losses of three people.

Compensation for personal injury (including death, disability and medical treatment) of a third party shall be calculated according to the death compensation limit of 200,000 yuan per person as stipulated in the insurance policy. Disability appraisal needs to calculate the indemnity according to the Disability Assessment Standard of Life Insurance (Industry Standard) (No.88 of China Insurance Association [2065438+03]).

4. Property loss of the third party: After deducting 300 yuan's exemption, the compensation amount shall not exceed 50,000 yuan.