This article will talk about what causes heat stroke, and the corresponding knowledge points about whether heat stroke is not covered by medical insurance. The article may be a bit long, but I hope You can read it to the end and increase your knowledge. The most important thing is that I hope it will be helpful to you and solve your problems. Don’t forget to bookmark this site.
Contents of this article
- Is heat stroke not covered by medical insurance
- Why does the heat stroke unit not report work-related injuries
1. Is heat stroke not covered by medical insurance?
Heat stroke is not a major disease. Even the most serious heat stroke is not covered by medical insurance. Critical illness coverage is covered, but if a serious illness caused by severe heat stroke, such as severe renal failure, severe brain injury, deep coma, etc., meets the conditions for critical illness compensation, the claim will be made in accordance with the terms of the contract. .
2. Why do units with heat stroke not report work-related injuries
Heat There may be several reasons why units with radiotherapy do not report work-related injuries:
1. Insufficient employee education: The unit may not fully educate employees about heat radiography They may not know that heat stroke is an occupational disease that can be attributed to work, so they will not take the initiative to report or ask the unit to handle work-related injury identification.
2. Not understanding the process of identifying work-related injuries: The unit may not know enough about the procedures and reporting requirements for identifying work-related injuries, and may not be aware of the relevant issues related to employees suffering from heat stroke. The costs can be covered by workers\’ compensation insurance.
3. Economic cost considerations: The employer may worry that if a work-related injury due to heat stroke is reported, it will need to pay the related expenses incurred, such as medical expenses and disability benefits. wait. This will increase the financial burden on the employer, so it may choose not to report a work-related injury.
4. Avoid affecting reputation: The unit may worry that reporting a heat stroke injury will have a negative impact on the company\’s reputation, and may worry that after an employee reports a work-related injury, other employees They will also follow suit, leading to an increase in the number of reports of work-related injuries, which is detrimental to the company\’s image.
It should be noted that, according to legal provisions, occupational diseases should be recognized as work-related injuries, and the unit is responsible for handling work-related injury identification and compensation. If work-related diseases such as heat stroke occur, employees should promptly report to the unit and request work-related injury certification. If necessary, you can consult relevant legal professionals for more information.
This is the end of sharing about what caused this heat stroke and whether heat stroke is not covered by medical insurance. If you can solve the problem, question, we are very happy.
