Meituan rider insurance is an accident insurance that Meituan platform forces riders to insure. As long as the US rider starts to take orders, 3 yuan insurance premium will be deducted automatically and 90 yuan will be paid every month. In the event of a traffic accident or accident, you can apply for compensation.

Second, the scope of insurance claims of US group riders

According to the insurance business cooperation agreement signed by Meituan Crowdsourcing Insurance Company and Meituan riders, the scope of claims includes the accidents that happened to the riders and the personal and property losses caused by them from the time the riders took the order to the early morning of the next day 1: 30, 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) Compensation for necessary and reasonable medical expenses for treatment in the hospital, 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, you need to go to a second-class or above public hospital, otherwise you can't claim. 100% to pay for medication, examination and treatment in medical insurance coverage.

(3) The items and expenses other than the above-mentioned "death compensation", "disability compensation" and "medical expenses" are excluded liabilities, such as nutrition expenses, rehabilitation expenses, assistive devices expenses, cosmetic expenses, cosmetic expenses, repair surgery expenses, dental plastic surgery expenses, dental restoration expenses, dental implant expenses, nursing expenses, transportation expenses, accommodation expenses, funeral expenses, alimony, maintenance expenses, etc.

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

(1) 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]).

(2) Medical compensation for accidental injury of a third party:

Compensation for necessary and reasonable medical expenses for hospitalization, including: registration fee, treatment fee, operation fee, examination fee, medical fee, material fee and first aid fee; Bed expenses during hospitalization (including three lost time and nursing expenses)

(3) Property loss of the third party: the amount of compensation for the property loss of the third party shall not exceed 50,000 yuan after deducting 300 yuan's exemption.

The damaged part does not include the following items: (1) gold and silver, jewelry, diamonds, jade, jewelry, ancient coins, antiques, ancient books, ancient paintings, stamps, calligraphy and painting, artworks, rare metals and other valuables; (2) Portable devices and equipment such as portable communication equipment, portable computer equipment and portable camera equipment; (three) currency, tickets, securities and magnetic cards, integrated circuit (ic) cards and other cards with cash value; (4) Documents, account books, charts, technical data, computer software, computer data and other assets that cannot be evaluated.

The above three responsibilities: death, disability, medical care and material damage * * * Use the insured amount of 200,000 yuan, and the insurance liability will be terminated if it exceeds the insured amount.

Judging from the above claims, Meituan provides riders with more comprehensive insurance, which helps to protect the rights and interests of riders to the greatest extent.