GB/T 44893-2024 人身保险伤残评定及代码

ICS

03.060

CCS

A11

中华人民共和国国家标准

GB/T44893—2024

人身保险伤残评定及代码

Disabilityassessmentandcodeforlifeinsurance

2024-10-26发布2025-02-01实施

国家市场监督管理总局发布

国家标准化管理委员会

GB/T44893—2024

目次

前言

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Ⅲ

1

范围

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2

规范性引用文件

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3

术语和定义

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4

伤残评定原则

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4.1

确定伤残评定步骤

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4.2

确定伤残评定时机

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4.3

确定伤残类别

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4.4

评定伤残等级

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4.5

匹配保险金给付比例

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4.6

多处伤残的评定

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5

伤残的分类、等级及代码

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5.1

神经系统的结构和精神功能

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2

5.2

眼、耳和有关的结构和功能

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3

5.3

发声和言语的结构和功能

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6

5.4

心血管、免疫和呼吸系统的结构和功能

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5.5

消化、代谢和内分泌系统有关的结构和功能

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8

5.6

泌尿和生殖系统有关的结构和功能

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5.7

神经肌肉骨骼和运动有关的结构和功能

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5.8

皮肤和有关的结构和功能

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附录A（规范性）条目编码规则

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A.1

概述

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A.2

字母和数字的含义

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A.3

伤残分类代码

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A.4

伤残代码和限定值说明

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A.5

身体功能与身体结构代码的关系说明

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A.6

身体结构、身体功能代码汇总

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附录B（规范性）伤残等级划分原则

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B.1

一级伤残

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B.2

二级伤残

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B.3

三级伤残

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B.4

四级伤残

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B.5

五级伤残

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B.6

六级伤残

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Ⅰ

GB/T44893—2024

B.7

七级伤残

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B.8

八级伤残

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B.9

九级伤残

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B.10

十级伤残

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附录C（规范性）伤残程度分级判定基准

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C.1

护理依赖程度分级

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C.2

植物状态

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C.3

视力损害分级

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C.4

外伤性白内障

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C.5

眼睑显著缺损

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C.6

语言功能完全丧失

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C.7

咀嚼、吞咽功能丧失

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C.8

张口困难分级

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C.9

手缺失和丧失功能的计算

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C.10

足弓结构破坏和足趾缺失

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C.11

骨骺、肢体丧失功能及关节功能的丧失

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C.12

偏瘫、截瘫及单肢瘫

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C.13

肌力的分级

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C.14

瘢痕的计算

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C.15

烧伤面积和烧伤深度

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附录D（规范性）伤残等级与保险金给付比例匹配方法

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参考文献

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Ⅱ

GB/T44893—2024

前言

本文件按照GB/T1.1—2020《标准化工作导则第1部分：标准化文件的结构和起草规则》的规

定起草。

请注意本文件的某些内容可能涉及专利。本文件的发布机构不承担识别专利的责任。

本文件由全国金融标准化技术委员会（SAC/TC180）归口。

本文件起草单位：中国保险行业协会、中国康复研究中心、中国人寿再保险有限责任公司、中国人

寿保险股份有限公司、太平人寿保险有限公司、中国平安人寿保险股份有限公司、中国太平洋人寿保险

股份有限公司、泰康人寿保险有限责任公司、新华人寿保险股份有限公司、富德生命人寿保险股份有限

公司、友邦人寿保险有限公司、中荷人寿保险有限公司、太平养老保险股份有限公司、平安养老保险股

份有限公司、泰康养老保险股份有限公司、中国人民财产保险股份有限公司、中国平安财产保险股份有

限公司、中国太平洋财产保险股份有限公司、慕尼黑再保险公司北京分公司、瑞士再保险股份有限公司

北京分公司、德国通用再保险股份公司上海分公司、中国政法大学。

本文件主要起草人：商敬国、方力、董向兵、魏杰、侯莹、贾颖、杨新文、孙钢、韩鸥、胡琴丽、

胡婷华、孙朋强、卢志军、李恒、苗景龙、黄喜红、艾乐、黄荫善、李屹兰、周聪、汪洋、郑超、

章瑛、宁锦、邱卓英、王旭、李永良、王岩、刘晓维。

Ⅲ

GB/T44893—2024

人身保险伤残评定及代码

1范围

本文件规定了人身保险伤残评定的原则，以及伤残的分类、等级及代码。

本文件适用于意外伤害保险产品以及包括意外责任的其他人身保险产品中保险合同约定的、意外伤

害因素引起的伤残程度评定。

2规范性引用文件

本文件没有规范性引用文件。

3术语和定义

下列术语和定义适用于本文件。

3.1

伤残disability

因意外伤害损伤所致的人体残疾。

注：残疾指身体结构或身体功能的损伤、活动受限和参与局限。

3.2

身体结构bodystructure

身体的解剖部位。

注：例如器官、肢体及其组成部分。

3.3

身体功能bodyfunction

身体各系统的生理功能。

4伤残评定原则

4.1确定伤残评定步骤

单一伤残评定步骤包括确定伤残评定时机、确定伤残类别、评定伤残等级及匹配保险金给付比例。

对于多处伤残，在完成单一伤残评定后，按4.6进行评定。

4.2确定伤残评定时机

在意外伤害损伤及与该意外伤害损伤确实有关联的并发症治疗终结或者临床治疗效果稳定后进行评

定。保险合同另有约定的，以保险合同约定为准。

4.3确定伤残类别

根据人体的身体结构与功能损伤情况，确定所涉及的伤残类别。本文件参照世界卫生组织国际功

能、残疾和健康分类（InternationnalClassficationofFunctioning，DisabilityandHealth，ICF）中有关

功能和残疾的分类理论与方法，将伤残类别划分为8大类、281项伤残条目。伤残大类包括：

1

GB/T44893—2024

a）神经系统的结构和精神功能；

b）眼、耳和有关的结构和功能；

c）发声和言语的结构和功能；

d）心血管、免疫和呼吸系统的结构和功能；

e）消化、代谢和内分泌系统有关的结构和功能；

f）泌尿和生殖系统有关的结构和功能；

g）神经肌肉骨骼和运动有关的结构和功能；

h）皮肤和有关的结构和功能。

本文件伤残条目按照附录A的相关规定编码。

4.4评定伤残等级

根据伤残情况，在同类别伤残下，评定伤残等级。

本文件将伤残程度划分为十级，最重为第一级，最轻为第十级。划分伤残等级应符合附录B的相关

规定，判定伤残程度分级应符合附录C的相关规定。

对于未列出的伤残情况，不予评定伤残等级。

4.5匹配保险金给付比例

根据伤残等级对应的百分比，匹配保险金给付比例。保险金给付比例分为十档并与伤残等级相对

应。伤残程度第一级对应的保险金给付比例为100%，伤残程度第十级对应的保险金给付比例为10%，

每级相差10%。伤残等级与保险金给付比例关系应符合附录D的相关规定。

4.6多处伤残的评定

当同一保险事故造成两处或两处以上伤残时，首先对各处伤残程度分别进行评定，再按以下规定进

行多处伤残的评定：

a）几处伤残等级不同时，以最重伤残等级作为最终评定结果；

b）两处或两处以上伤残等级相同，伤残等级在原评定基础上最多上升一级，最高上升至第一级；

c）同一部位和（或）同一性质的伤残，无法采用本文件条文两条以上或者同一条文两次以上进行

评定。

注：本文件中“以上”均包括本数值或本部位。

5伤残的分类、等级及代码

5.1神经系统的结构和精神功能

5.1.1脑膜的结构损伤

脑膜的结构损伤的伤残条目及代码见表1。

表1脑膜的结构损伤的伤残条目及代码

序号伤残条目等级伤残代码

1外伤性脑脊液鼻漏或耳漏10s130.188

5.1.2脑的结构损伤、智力功能障碍

脑的结构损伤、智力功能障碍的伤残条目及代码见表2。

2

GB/T44893—2024

表2脑的结构损伤、智力功能障碍的伤残条目及代码

序号伤残条目等级伤残代码

颅脑损伤导致极度智力缺损（智商小于或等于20），日常生活完全不能

11s110.488;b117.4,b198.4

自理，处于完全护理依赖状态

颅脑损伤导致重度智力缺损（智商小于或等于34），日常生活需随时有

22s110.388;b117.3,b198.3Z

人帮助才能完成，处于完全护理依赖状态

颅脑损伤导致重度智力缺损（智商小于或等于34），不能完全独立生

33s110.388;b117.3,b198.3

活，需经常有人监护，处于大部分护理依赖状态

颅脑损伤导致中度智力缺损（智商小于或等于49），日常生活能力严重

44s110.288;b117.2,b198.2

受限，间或需要帮助，处于大部分护理依赖状态

5.1.3意识功能障碍

意识功能障碍的伤残条目及代码见表3。

表3意识功能障碍的伤残条目及代码

序号伤残条目等级伤残代码

1颅脑损伤导致植物状态1b110.4

5.2眼、耳和有关的结构和功能

5.2.1眼球损伤或视功能障碍

眼球损伤或视功能障碍的伤残条目及代码见表4。

表4眼球损伤或视功能障碍的伤残条目及代码

序号伤残条目等级伤残代码

1双侧眼球缺失1s220.413

2一侧眼球缺失，且另一侧眼盲目5级1s220.411/2,b210.4Z2/1

3一侧眼球缺失，且另一侧眼盲目4级2s220.411/2,b210.42/1

4一侧眼球缺失，且另一侧眼盲目3级3s220.411/2,b210.32/1

5一侧眼球缺失，且另一侧眼重度视力损害4s220.411/2,b210.22/1

6一侧眼球缺失，且另一侧眼中度视力损害5s220.411/2,b210.1X2/1

7一侧眼球缺失7s220.411/2

5.2.2视功能障碍

视功能障碍的伤残条目及代码见表5。

表5视功能障碍的伤残条目及代码

序号伤残条目等级伤残代码

1双眼盲目5级2b210.4Z3

3

GB/T44893—2024

表5视功能障碍的伤残条目及代码（续）

序号

伤残条目等级伤残代码

2双眼视野接近完全缺损，直径小于或等于5°2b2101.4Z3

3双眼盲目大于或等于4级3b210.43

4双眼视野极度缺损，直径小于或等于10°3b2101.43

5双眼盲目大于或等于3级4b210.33

6双眼视野重度缺损，直径小于或等于20°4b2101.33

7双眼重度视力损害5b210.23

8双眼中度视力损害6b210.1X3

9双眼视野中度缺损，直径小于或等于60°6b2101.23

10一眼盲目5级7b210.4Z1/2

11一眼视野接近完全缺损，直径小于或等于5°7b2101.4Z1/2

12一眼盲目大于或等于4级8b210.41/2

13一眼视野极度缺损，直径小于或等于10°8b2101.41/2

14一眼盲目大于或等于3级9b210.31/2

15一眼视野重度缺损，直径小于或等于20°9b2101.31/2

16一眼中度视力损害10b210.1X1/2

17一眼视野中度缺损，直径小于或等于60°10b2101.21/2

5.2.3眼球的晶状体结构损伤

眼球的晶状体结构损伤的伤残条目及代码见表6。

表6眼球的晶状体结构损伤的伤残条目及代码

序号伤残条目等级伤残代码

1外伤性白内障10s2204.188;b210.1

5.2.4眼睑结构损伤

眼睑结构损伤的伤残条目及代码见表7。

表7眼睑结构损伤的伤残条目及代码

序号伤残条目等级伤残代码

1双侧眼睑外翻8s2301.863

2双侧眼睑闭合不全8s2301.853

3双侧眼睑显著缺损8s2301.323

4一侧眼睑显著缺损9s2301.321/2

5一侧眼睑外翻9s2301.861/2

6一侧眼睑闭合不全9s2301.851/2

4

GB/T44893—2024

5.2.5耳廓结构损伤或听功能障碍

耳廓结构损伤或听功能障碍的伤残条目及代码见表8。

表8耳廓结构损伤或听功能障碍的伤残条目及代码

序号伤残条目等级伤残代码

1双耳听力损失大于或等于91dB，且双侧耳廓缺失2b230.43,s240.413

2双耳听力损失大于或等于71dB，且双侧耳廓缺失3b230.33,s240.413

3双耳听力损失大于或等于91dB，且一侧耳廓缺失3b230.43,s240.411/2

一耳听力损失大于或等于91dB，另一耳听力损失大于或等于71dB，且b230.41/2,b230.32/1,

43

一侧耳廓缺失，另一侧耳廓缺失大于或等于50%s240.411/2,s240.321/2

5双耳听力损失大于或等于61dB，且双侧耳廓缺失4b230.2Z3,s240.413

6双耳听力损失大于或等于71dB，且一侧耳廓缺失4b230.33,s240.411/2

一耳听力损失大于或等于91dB，另一耳听力损失大于或等于71dB，且b230.41/2,b230.32/1,

74

一侧耳廓缺失大于或等于50%s240.321/2

8双耳听力损失大于或等于71dB，且一侧耳廓缺失大于或等于50%5b230.33,s240.321/2

9双耳听力损失大于或等于61dB，且一侧耳廓缺失5b230.2Z3,s240.411/2

10双侧耳廓缺失5s240.413

11一侧耳廓缺失，且另一侧耳廓缺失大于或等于50%6s240.411/2,s240.322/1

12一侧耳廓缺失8s240.411/2

13一侧耳廓缺失大于或等于50%9s240.321/2

5.2.6听功能障碍

听功能障碍的伤残条目及代码见表9。

表9听功能障碍的伤残条目及代码

序号伤残条目等级伤残代码

1双耳听力损失大于或等于91dB4b230.43

2双耳听力损失大于或等于81dB5b230.3Z3

3一耳听力损失大于或等于91dB，且另一耳听力损失大于或等于71dB5b230.41/2,b230.32/1

4双耳听力损失大于或等于71dB6b230.33

5一耳听力损失大于或等于91dB，且另一耳听力损失大于或等于61dB6b230.41/2,b230.2Z2/1

6一耳听力损失大于或等于91dB，且另一耳听力损失大于或等于41dB7b230.41/2,b230.22/1

7一耳听力损失大于或等于71dB，且另一耳听力损失大于或等于61dB7b230.31/2,b230.2Z2/1

8一耳听力损失大于或等于71dB，且另一耳听力损失大于或等于41dB8b230.31/2,b230.22/1

9一耳听力损失大于或等于91dB8b230.41/2

10一耳听力损失大于或等于61dB，且另一耳听力损失大于或等于41dB9b230.2Z1/2,b230.22/1

11一耳听力损失大于或等于71dB9b230.31/2