employment injury insurance

Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased. Work-related injury insurance premiums are paid by employers, and the collection rate of work-related injury insurance premiums in industries with high incidence of work-related injuries is higher than the general standard. On the one hand, it is to ensure that the industrial injury insurance fund can fully pay the industrial injury insurance benefits of employees in these industries. On the other hand, through the collection of high rates, enterprises can have a sense of risk, strengthen the prevention of work-related injuries and reduce the casualty rate.

After an employee is insured for a work-related injury, if the employee is hospitalized due to a work-related injury, the unit to which he belongs shall issue a hospital food subsidy according to 70% of the food subsidy standard for the business trip of the unit; Medical institutions issue certificates and report them to the agency for approval. If the injured workers go to the outside of the overall planning area for medical treatment, the required transportation, accommodation and expenses shall be reimbursed by the unit according to the standard of employees' business trip. In addition, due to the needs of daily life or employment, injured workers can install artificial limbs, orthotics, artificial eyes, dentures and wheelchairs and other auxiliary devices, and the required expenses are paid from the industrial injury insurance fund according to the standards stipulated by the state. The medical expenses for work-related injuries, disability allowance for first-class to fourth-class workers with work-related injuries, one-time disability allowance, living nursing expenses, funeral subsidies, pensions for dependent relatives, assistive devices, work-related injury rehabilitation expenses and labor ability appraisal fees of insured workers with work-related injuries shall be paid by the work-related injury insurance fund.