An employee was blinded by an eye injury. The company has paid medical insurance and bought accident insurance. So how much compensation does the company have to pay?

The company has paid social insurance and industrial injury insurance for its employees. When a work-related injury occurs, the relevant expenses are paid by the social security work-related injury insurance fund, which has nothing to do with commercial insurance companies (of course, whether there are insurance companies in the social security fund to participate in the management of this national social security fund has nothing to do with us). For specific provisions, please refer to the Regulations on Industrial Injury Insurance of Social Security (). If you personally or your company have purchased life insurance from a commercial insurance company for you, and you have accidental injury or medical insurance, then the insurance company should also reimburse you or pay related expenses according to the insurance contract. If the commercial insurance company that constitutes a disability also needs compensation, it does not conflict with the social security industrial injury insurance and the compensation that the company should pay, but it cannot reimburse the expenses such as medical hospitalization repeatedly, so it should be reported to the social security first, and then reimbursed by the insurance company.

In addition, many people don't understand why medical hospitalization and other expenses can't be reimbursed repeatedly. Let me briefly explain here: because the expenses incurred in medical treatment are counted (there are relevant bills), no matter social security or commercial insurance, relevant bills must be collected when reimbursement is made. If you apply for a ticket in social security, you will be taken away by social security, and there is no way to report it to the insurance company, and vice versa; The disability compensation, as long as it reaches the disability level, can be compensated according to the appraisal results. Because people's lives and bodies are priceless, no one can invoice for the losses caused by physical disability, so enterprises can't stop paying compensation because of the insurance company's compensation. This should be counted separately!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.