2. If the employer fails to pay insurance for the employees with work-related injuries according to law and refuses to undertake the work-related injury treatment for the employees with work-related injuries, the employees with work-related injuries may apply for the work-related injury insurance fund to pay the work-related injury treatment in advance according to law.
3. If in doubt, please call the local labor department at 12333.
4. Legal basis: Interim Measures for Advance Payment of Social Insurance Fund.
Article 6 Where an employee's employer fails to pay work-related injury insurance premiums in accordance with the law, and an industrial accident occurs, the employer shall take measures for timely treatment and pay the fees according to the prescribed work-related injury insurance treatment items and standards.
After an employee is identified as a work-related injury, under any of the following circumstances, the employee or his close relatives may apply in writing to the social insurance agency for advance payment of work-related injury insurance benefits with the determination of work-related injury and related materials:
(1) The business license of the employing unit is revoked or the registration is cancelled according to law;
(two) the employer refuses to pay all or part of the expenses;
(three) after arbitration and litigation in accordance with the law, the court still cannot obtain the treatment of work-related injury insurance, and the court issues a document to suspend the execution;
(4) Other circumstances in which the employee thinks that the employer does not pay.
Article 7 After receiving the application submitted by employees or their close relatives in accordance with the provisions of Article 6, the social insurance agency shall send a written reminder to the employer within three working days, requiring it to verify and pay the industrial injury insurance benefits according to law within five working days, and inform it that if it fails to pay in full and on time within the prescribed time limit, the industrial injury insurance fund will obtain the right of recovery after paying in advance according to the provisions.
Article 8 If the employer fails to pay the fees in full and on time in accordance with the provisions of Article 7, the social insurance agency shall pay the items that should be paid by the industrial injury insurance fund in advance in accordance with the provisions of the Social Insurance Law and the Regulations on Industrial Injury Insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.