The so-called industrial injury insurance is a kind of social insurance that workers can get help from the state and social resources because of accidental injury or occupational disease in the specified work.
Industrial injury insurance is different from other insurances, and there is no age limit for industrial injury insurance. As long as/kloc-people over 0/6 years old work in enterprises, they can apply for work-related injury insurance. It is not only a kind of compensatory insurance, but also a guarantee for the insured's disability and death. Work-related injury insurance covers not only medical expenses, wages, death and funeral expenses, but also the living conditions of immediate family members. During the period of medical treatment, the insured person is also provided with free medical expenses, nursing expenses and job-transfer training during hospitalization.
Legal basis: Regulations on Industrial Injury Insurance
Article 4 The employing unit shall publicize the relevant information about participating in work-related injury insurance within the unit.
Employers and workers shall abide by the laws and regulations on production safety and occupational disease prevention and control, implement safety and health regulations and standards, prevent work-related accidents, and avoid and reduce occupational hazards.
When an employee suffers from a work-related injury, the employing unit shall take measures to enable the employee to receive timely treatment.
Article 7 The work-related injury insurance fund consists of the work-related injury insurance premium paid by the employer, the interest of the work-related injury insurance fund and other funds incorporated into the work-related injury insurance fund according to law.
Article 10 The employing unit shall pay the work-related injury insurance premium on time. Individual employees do not pay work-related injury insurance premiums.
The amount of work-related injury insurance premium paid by the employer is the product of the total wages of employees multiplied by the unit payment rate.
For industries that have difficulties in paying work-related injury insurance premiums according to the total wages, the specific payment methods of work-related injury insurance premiums shall be stipulated by the administrative department of social insurance of the State Council.