Legal analysis: industrial injury insurance cannot be purchased separately. Work-related injury insurance belongs to social insurance, and the five insurances in social security are mandatory to be paid in full, so it is impossible to purchase work-related injury insurance separately. If the industrial injury insurance that can be purchased separately is not social insurance, but other commercial insurance, the final treatment may not be calculated according to the treatment of industrial injury insurance. Expenditure of work-related injury insurance fund includes work-related injury insurance benefits, work-related injury prevention, labor ability appraisal, superior expenditure and other expenditures.

Legal basis: Article 2 of the Social Insurance Law of People's Republic of China (PRC) The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to get material help from the state and society according to law in case of old age, illness, industrial injury, unemployment and maternity.