ICS

03.060

CCS

A11

中華人民共和國(guó)國(guó)家標(biāo)準(zhǔn)

GB/T44893—2024

人身保險(xiǎn)傷殘?jiān)u定及代碼

Disabilityassessmentandcodeforlifeinsurance

2024-10-26發(fā)布2025-02-01實(shí)施

國(guó)家市場(chǎng)監(jiān)督管理總局發(fā)布

國(guó)家標(biāo)準(zhǔn)化管理委員會(huì)

GB/T44893—2024

目次

前言

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1

范圍

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2

規(guī)范性引用文件

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3

術(shù)語(yǔ)和定義

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4

傷殘?jiān)u定原則

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4.1

確定傷殘?jiān)u定步驟

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4.2

確定傷殘?jiān)u定時(shí)機(jī)

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4.3

確定傷殘類別

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4.4

評(píng)定傷殘等級(jí)

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4.5

匹配保險(xiǎn)金給付比例

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4.6

多處傷殘的評(píng)定

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5

傷殘的分類、等級(jí)及代碼

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2

5.1

神經(jīng)系統(tǒng)的結(jié)構(gòu)和精神功能

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5.2

眼、耳和有關(guān)的結(jié)構(gòu)和功能

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5.3

發(fā)聲和言語(yǔ)的結(jié)構(gòu)和功能

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5.4

心血管、免疫和呼吸系統(tǒng)的結(jié)構(gòu)和功能

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5.5

消化、代謝和內(nèi)分泌系統(tǒng)有關(guān)的結(jié)構(gòu)和功能

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5.6

泌尿和生殖系統(tǒng)有關(guān)的結(jié)構(gòu)和功能

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5.7

神經(jīng)肌肉骨骼和運(yùn)動(dòng)有關(guān)的結(jié)構(gòu)和功能

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5.8

皮膚和有關(guān)的結(jié)構(gòu)和功能

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16

附錄A（規(guī)范性）條目編碼規(guī)則

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A.1

概述

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A.2

字母和數(shù)字的含義

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A.3

傷殘分類代碼

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A.4

傷殘代碼和限定值說(shuō)明

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A.5

身體功能與身體結(jié)構(gòu)代碼的關(guān)系說(shuō)明

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A.6

身體結(jié)構(gòu)、身體功能代碼匯總

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附錄B（規(guī)范性）傷殘等級(jí)劃分原則

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B.1

一級(jí)傷殘

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B.2

二級(jí)傷殘

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B.3

三級(jí)傷殘

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B.4

四級(jí)傷殘

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B.5

五級(jí)傷殘

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B.6

六級(jí)傷殘

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Ⅰ

GB/T44893—2024

B.7

七級(jí)傷殘

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B.8

八級(jí)傷殘

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B.9

九級(jí)傷殘

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B.10

十級(jí)傷殘

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附錄C（規(guī)范性）傷殘程度分級(jí)判定基準(zhǔn)

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C.1

護(hù)理依賴程度分級(jí)

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C.2

植物狀態(tài)

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C.3

視力損害分級(jí)

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C.4

外傷性白內(nèi)障

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C.5

眼瞼顯著缺損

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C.6

語(yǔ)言功能完全喪失

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C.7

咀嚼、吞咽功能喪失

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C.8

張口困難分級(jí)

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C.9

手缺失和喪失功能的計(jì)算

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C.10

足弓結(jié)構(gòu)破壞和足趾缺失

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C.11

骨骺、肢體喪失功能及關(guān)節(jié)功能的喪失

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C.12

偏癱、截癱及單肢癱

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C.13

肌力的分級(jí)

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C.14

瘢痕的計(jì)算

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C.15

燒傷面積和燒傷深度

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附錄D（規(guī)范性）傷殘等級(jí)與保險(xiǎn)金給付比例匹配方法

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參考文獻(xiàn)

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Ⅱ

GB/T44893—2024

前言

本文件按照GB/T1.1—2020《標(biāo)準(zhǔn)化工作導(dǎo)則第1部分：標(biāo)準(zhǔn)化文件的結(jié)構(gòu)和起草規(guī)則》的規(guī)

定起草。

請(qǐng)注意本文件的某些內(nèi)容可能涉及專利。本文件的發(fā)布機(jī)構(gòu)不承擔(dān)識(shí)別專利的責(zé)任。

本文件由全國(guó)金融標(biāo)準(zhǔn)化技術(shù)委員會(huì)（SAC/TC180）歸口。

本文件起草單位：中國(guó)保險(xiǎn)行業(yè)協(xié)會(huì)、中國(guó)康復(fù)研究中心、中國(guó)人壽再保險(xiǎn)有限責(zé)任公司、中國(guó)人

壽保險(xiǎn)股份有限公司、太平人壽保險(xiǎn)有限公司、中國(guó)平安人壽保險(xiǎn)股份有限公司、中國(guó)太平洋人壽保險(xiǎn)

股份有限公司、泰康人壽保險(xiǎn)有限責(zé)任公司、新華人壽保險(xiǎn)股份有限公司、富德生命人壽保險(xiǎn)股份有限

公司、友邦人壽保險(xiǎn)有限公司、中荷人壽保險(xiǎn)有限公司、太平養(yǎng)老保險(xiǎn)股份有限公司、平安養(yǎng)老保險(xiǎn)股

份有限公司、泰康養(yǎng)老保險(xiǎn)股份有限公司、中國(guó)人民財(cái)產(chǎn)保險(xiǎn)股份有限公司、中國(guó)平安財(cái)產(chǎn)保險(xiǎn)股份有

限公司、中國(guó)太平洋財(cái)產(chǎn)保險(xiǎn)股份有限公司、慕尼黑再保險(xiǎn)公司北京分公司、瑞士再保險(xiǎn)股份有限公司

北京分公司、德國(guó)通用再保險(xiǎn)股份公司上海分公司、中國(guó)政法大學(xué)。

本文件主要起草人：商敬國(guó)、方力、董向兵、魏杰、侯瑩、賈穎、楊新文、孫鋼、韓鷗、胡琴麗、

胡婷華、孫朋強(qiáng)、盧志軍、李恒、苗景龍、黃喜紅、艾樂(lè)、黃蔭善、李屹蘭、周聰、汪洋、鄭超、

章瑛、寧錦、邱卓英、王旭、李永良、王巖、劉曉維。

Ⅲ

GB/T44893—2024