Do employees still need to buy accident insurance after paying social security?

Legal analysis: whether to buy accident insurance depends on industry risks and unit benefits. The employer has participated in work-related injury insurance according to law. Is it necessary to buy accident insurance for employees? There is no provision or requirement by law, which belongs to the independent behavior of the employer. Generally speaking, if the unit benefit allows and the industry risk is high, you can buy commercial insurance to supplement it. For industries with general or low industry risks, industrial injury insurance can share the risks.

Legal basis: Regulations on Industrial Injury Insurance

Article 2 Enterprises, institutions, social organizations, private non-enterprise units, foundations, law firms, accounting firms and other organizations in People's Republic of China (PRC) and individual industrial and commercial households with employees (hereinafter referred to as employers) shall participate in work-related injury insurance in accordance with the provisions of these Regulations and pay work-related injury insurance premiums for all employees or employees (hereinafter referred to as employees). 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 treatment of industrial injury insurance in accordance with the provisions of these regulations.

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.