The third kind of protection provided by Minsheng Company to these builders is more like a kind of commercial insurance, but the underwriting company of this commercial insurance is not any insurance company in China.

Dawning Insurance Company, registered in the Special Administrative Region of Tuvalu, has established an insurance fund for all projects within the Group.

This construction insurance fund shares the same pool as the transportation insurance fund paid by those who work in the City of Hope for shared electric vehicles.

However, the use of the two types of funds is recorded separately in order to more accurately assess the risks of different industries, and to increase or decrease the amount of corresponding insurance contributions in a timely manner.

This flexible adjustment system does not necessarily require an accurate conclusion on the possible risks of a certain emerging industry, but only needs to roughly determine an insurance payment amount, and then the payment amount can be dynamically adjusted according to the actual situation, so as to achieve the balance of income and expenditure of the special insurance fund.

Strictly speaking, Shuguang Insurance Company is not an insurance company with independent accounting, but a non-profit-oriented enterprise belonging to Shuguang Group.

From the perspective of its operation mode, it is more like a social security department and welfare department of Shuguang Group.

Therefore, the purpose of the company is to bring together the strength of the whole group, so that all members can face some irresistible accidents that may occur in the process of social production and life.

Although Minsheng Company does not have a direct connection with Shuguang Group on the surface, with the help of the online platform, it has actually become the "office" of Shuguang Group in China.

Members who have registered with Minsheng and have passed the identity verification of Sugon Group consider them to be associate members of Tuvalu, so they can still enjoy the protection services provided by Sugon Insurance.

The insurance provided by Minsheng Company to these builders is based on the operation of the Tuvalu Special Administrative Region's construction insurance fund.

In the Tuvalu Special Quarter, there are strict supervision and management measures at every stage of the project, and the daily work behavior of workers is constrained from the aspect of social integrity.

Therefore, although there is a lot of infrastructure construction there, in fact, there are not many liability accidents caused by human factors.

In such a situation, there are fewer safety accidents due to irresistible human resources.

The low incidence of liability accidents has led to the accumulation of more and more engineering insurance funds, and the sufficient ability to settle claims has made the monthly insurance premiums for each person less and less.

According to the current scale, as long as the accident rate can be guaranteed not to increase on a large scale, each person only needs to pay an insurance fee of 3 yuan per month, and can get up to 500,000 yuan of accident insurance compensation.

This kind of commercial insurance is only sold to registered members who have worked for more than one month within the scope of the project owned by Minsheng Company.

Insurance premiums are paid directly on the mobile app, with a limit of one per person, and can be paid monthly or annually.

Under the protection of the triple guarantee, construction workers involved in the construction of Minsheng Company can receive up to nearly 2 million RMB per person in the event of a personal injury accident caused by a violation of safety regulations that is not caused by themselves.

Of course, this compensation does not include the commercial insurance purchased by the members themselves from other insurance companies, and it differs from other commercial insurance in that the claim settlement is simple and fast.

As long as there is an insurance liability within the scope of insurance protection, Minsheng Company will arrange a special person to determine the accident liability.

For victims who do not have safety responsibilities, compensation shall first be made in accordance with national laws and regulations in accordance with relevant local departments as appropriate.

As long as the parties have no objection to the compensation and sign the compensation agreement, the compensation of Minsheng Company will be paid on the same day.

After the liability is delineated and the basic compensation is determined, Minsheng Company will determine the additional amount of compensation according to the degree of cooperation of the victim or the victim's family in the process of negotiating compensation.

If right and wrong are clear, reasonable, and do not mess around, the additional compensation shall be calculated according to 20% of the basic compensation.

If it is unclear what is right and wrong, unreasonable, or nonsense, Minsheng Company will determine the amount of additional compensation according to the standard of reducing the basic compensation by 1% per day from the date of delineation of liability.

Such a provision also means that if the parties or their relatives do not agree to the compensation plan within 20 days, Minsheng Company will not pay additional compensation, and the compensation will be settled entirely through legal means.

Originally, this additional compensation was the compensation of Minsheng Company to the unliable victims, and it was a subsidy fund outside the legal theory.

Minsheng Company is a private enterprise, so Minsheng Company can decide on its own whether to give this compensation and how much to give.

Therefore, Minsheng Company's provision on confirming the amount of compensation uses the actual benefits that can be seen, so that everyone must be clear about right and wrong, reasonable, and all behaviors must comply with the provisions of laws and regulations when protecting their own rights and interests.

After clarifying the responsibilities and clarifying the basic compensation and the additional compensation determined by Minsheng Company, Shuguang Insurance Company will calculate the amount of insurance compensation on a pro-rata basis of 1 million.

For example, in a safety liability accident, the basic compensation for a person is 600,000 yuan, and the additional compensation is 200,000 yuan, which together account for 80% of the base number.

Then, the insured amount of an engineering insurance of Shuguang Insurance is 500,000, 80% of 500,000, that is, the compensation amount of 400,000.

However, since the sum insured of Sugon Insurance is only 500,000 yuan, even if the basic compensation and additional compensation exceed 1 million, you can still only get 500,000 compensation.

Through these three ways of protection, theoretically calculated, if the basic compensation for a victim of a safety liability accident without any responsibility is 1 million, Dawning Insurance pays 500,000 yuan, and the additional compensation is 200,000 yuan, and a total of 1.7 million yuan can be guaranteed.

If the victim's family needs a large number of people to support, the basic compensation may even exceed 1 million, but there is a limit to the excess.

For those directly responsible for safety liability accidents, not only can they not enjoy the additional subsidies of Minsheng Company, but Minsheng Company will take the initiative to notify relevant departments to intervene and investigate their criminal and civil liability.

At the same time, the basic compensation can only be determined through legal channels, and the judicial department shall determine it according to their respective responsibilities, and generally does not settle it through negotiation.

Since the amount of basic compensation for those directly responsible for the accident is not large, and Minsheng Company will not give additional compensation, the amount of compensation that is too low will directly affect the amount of compensation paid by Sugon Insurance.

In addition, if the person directly responsible for the safety liability accident does not die, after accepting the treatment of laws and regulations, his corresponding integrity value in Minsheng Company will also be lowered simultaneously, which will affect his future treatment in Minsheng Company. 2k reading web