employment injury insurance

Work-related injury insurance system is a social insurance system established to ensure that employees suffering from accidents or occupational diseases receive medical treatment and economic compensation, promote work-related injury prevention and vocational rehabilitation, and disperse the risk of work-related injuries of employers.

Industrial injury prevention is the prevention of industrial accidents in advance, and it is one of the main tasks and positive functions of industrial injury insurance. Employers and workers shall abide by the laws and regulations on safe production and occupational disease prevention, implement safety and health regulations and standards, prevent work-related accidents, and avoid and reduce occupational hazards.

The basic principles of industrial injury insurance include the principle of no-fault liability, the principle of economic compensation and the principle of combining prevention, compensation and rehabilitation.

People's Republic of China (PRC) Social Insurance Law and Regulations on Work Injury Insurance are two major laws and regulations in the field of work injury insurance.

First, the concept of work-related injury insurance

Industrial injury insurance refers to a kind of social insurance that workers enjoy according to law when they are injured, sick or dead due to accidents or occupational diseases at work.

When a worker is injured by an accident or suffers from an occupational disease at work, he can enjoy the treatment of work-related injury insurance after being identified as a work-related injury; Among them, those who lose their ability to work after the appraisal of their ability to work can enjoy disability treatment; Workers who die from work-related injuries enjoy death treatment.

Second, the characteristics of industrial injury insurance Compared with other types of social insurance, industrial injury insurance has the following main characteristics:

First, there is no fault in the nature of responsibility. Industrial injury insurance implements the principle of no-fault liability, and the composition of industrial accidents is generally irrelevant to the subjective faults of employers and workers who have suffered personal injuries.

Second, it covers the particularity of the theme. Industrial injury insurance only covers workers. Industrial injury insurance is a means to spread the risk of occupational disasters. Occupational disasters are related to professional activities, not risks that all citizens will face, so industrial injury insurance only covers workers engaged in professional activities. In this regard, Article 2 of the Regulations on Work-related Injury Insurance clearly stipulates that enterprises, institutions, social organizations, private non-enterprise units, foundations, law firms, accounting firms and other organizations and individual industrial and commercial households with employees in People's Republic of China (PRC) should participate in work-related injury insurance and pay work-related injury insurance premiums for all employees of their own units. Employees of enterprises, institutions, social organizations, private non-enterprise units, foundations, law firms, accounting firms and other organizations and employees of individual industrial and commercial households in People's Republic of China (PRC) have the right to enjoy industrial injury insurance benefits in accordance with the provisions of the Regulations on Industrial Injury Insurance.

Third, the content of compensation is limited. Compensation for industrial injury insurance is limited to clear economic losses, including losses caused by disability and death and medical expenses. The reason why the compensation content of industrial injury insurance is limited is because industrial injury insurance is based on no-fault liability, and at the same time, because if the compensation standard is too high, it will lead to certain moral hazard.

Occupational injury prevention refers to providing a safe and healthy occupational environment and conditions, improving the safety and health management system, and protecting workers from occupational injuries from the source, thus reducing or eliminating the occurrence of occupational injury accidents and occupational diseases.

Industrial injury prevention is the prevention of industrial accidents in advance, and it is one of the main tasks and positive functions of industrial injury insurance. Industrial injury prevention is an important part of the trinity system of prevention, rehabilitation and compensation of industrial injury insurance system, and it is a priority of industrial injury insurance.

In order to do a good job in work-related injury prevention, avoid and reduce the occurrence of work-related accidents and occupational diseases, the state should take all appropriate means to organize and promote work-related injury prevention, promote workers to achieve stable employment, and promote sustained and healthy economic and social development; Employers and workers shall abide by the laws and regulations on safe production and occupational disease prevention, implement safety and health regulations and standards, prevent work-related accidents, and avoid and reduce occupational hazards.

I. Work objective 1. Reduce the incidence of industrial accidents.

2. Improve the working conditions in the workplace.

3. Enhance the awareness and ability of work-related injury prevention, and realize the transformation from "I want to prevent" to "I want to prevent" and "I will prevent".

Second, the main task 1, firmly establish the work concept of prevention first.

Prevent industrial accidents from the source, and effectively protect the life safety and health of workers.

2. Establish and improve the joint prevention and control mechanism for industrial injury prevention.

Relevant units should establish a joint meeting system, clarify the division of responsibilities, strengthen coordination and linkage, and strengthen joint inspection.

3. Pay close attention to the key industries of industrial injury prevention.

Regularly study the status quo and changes of industrial accidents and occupational hazards, study and determine the key areas of industrial injury prevention, and determine key projects according to law.

4, comprehensively strengthen the publicity of work-related injury prevention.

Give full play to the role of mainstream media and new media, and give full play to the propaganda role of enterprises in various departments and related industries.

5, in-depth promotion of work-related injury prevention training.

Focus on training the main leaders of key industries and key enterprises, the main leaders of safety management departments and front-line team leaders.

6. Scientifically floating the industrial injury insurance rate.

On the basis of determining the industry benchmark rate according to the degree of industrial injury risk, give full play to the incentive and restraint role of floating rate, and promote employers to take the initiative to prevent industrial injuries.

7. Vigorously carry out work-related injury prevention in internet plus.

Give full play to the role of informatization, big data and artificial intelligence in the prevention of work-related injuries.

8. Actively promote the specialization and professionalization of work-related injury prevention.

Promote qualified and capable third-party professional technical service institutions and large and medium-sized enterprises to actively participate in work-related injury prevention and establish an expert database for work-related injury prevention.

9, strengthen the evaluation and supervision of work-related injury prevention.

Supervise the whole process before, during and after the work-related injury prevention project, and arrange the whole process of inspection, tracking and effectiveness according to the progress of the project.