How to pay social security during work-related injuries at home?

The social security payment method during work-related injury at home is as follows:

65438+ Company pays insurance, that is, it transfers the risk that employees need compensation after work-related injuries to insurance companies;

There is no need to buy insurance if the company needs to compensate again after the insurance claims are settled. If the company had not bought insurance, it would have paid for it. Now that the company has bought insurance, it will be settled by insurance.

Work-related injury treatment includes:

1, medical expenses for industrial injury treatment (medical expenses, medicine expenses, hospitalization expenses). Workers with work-related injuries should seek medical treatment in medical institutions that have signed service agreements. In case of emergency, they can go to the nearest medical institution for first aid. If the expenses required for work-related injury treatment meet the catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs and the hospitalization service standard of work-related injury insurance, they shall be paid from the work-related injury insurance fund;

2, hospital food subsidies, transportation and accommodation. Food subsidies for employees hospitalized due to work-related injuries, and certificates issued by medical institutions and reported to the agency for approval. The transportation and accommodation expenses required for medical treatment outside the overall planning area shall be paid by the industrial injury insurance fund according to the standard;

3. Rehabilitation treatment fee. The expenses for work-related injury rehabilitation treatment for workers with work-related injuries to medical institutions that have signed service agreements shall be paid by the work-related injury insurance fund if they meet the requirements;

4. Wages and benefits during shutdown. If an employee suffers from an accident or occupational disease at work and needs to be suspended from work to receive work-related injury medical treatment, the original salary and welfare benefits will remain unchanged during the paid suspension, and the unit where he works will pay him monthly. The paid shutdown period generally does not exceed 12 months. If the injury is serious or the situation is special, it may be appropriately extended upon confirmation by the Municipal Labor Ability Appraisal Committee with districts, but the extension time shall not exceed 12 months. Workers with work-related injuries shall stop enjoying paid shutdown treatment and enjoy disability treatment in accordance with regulations after being assessed as disabled. Workers with work-related injuries who still need treatment after the expiration of paid shutdown shall continue to enjoy medical treatment for work-related injuries. Workers with work-related injuries who can't take care of themselves need care during the paid shutdown period, and their units are responsible for it.

However, workers with work-related injuries who treat diseases caused by non-work-related injuries do not enjoy medical treatment for work-related injuries, and shall be implemented in accordance with the basic medical insurance measures.

Employee medical insurance reimbursement:

1, outpatient expenses reimbursement

After the medical insurance insured person goes to the designated medical institution for outpatient treatment, if he does not carry the medical insurance card, he needs to pay the relevant expenses first, and then bring the materials to the medical insurance center to reimburse the outpatient expenses. This part of reimbursement expenses is also deducted from the employee's personal medical insurance account funds. First, the medical insurance expenses paid this year are deducted, and then the reimbursement expenses are paid to the insured's personal medical insurance account;

However, with the promotion and implementation of the outpatient economic system, the employee social security insured can also use the overall fund for reimbursement according to a certain proportion when conducting outpatient treatment, and the individual medical insurance account of the employee medical insurance insured can be used together with his spouse, elders and children, and the funds in the individual account can be used together when registering and ensuring that his family members also pay basic medical insurance normally;

2, pharmacies to buy drugs

When purchasing medicines in chain retail pharmacies with medical insurance network, employees' medical insurance participants need to issue their own medical insurance cards, then tell the pharmacy staff their own diagnosis and treatment categories and the medicines they need, and pay by credit card according to the corresponding use process. If you buy medicine for others because of special circumstances, you need to show your identity certificate for the pharmacy staff to record;

It should be noted that only drugs that meet the medical insurance reimbursement catalogue can be paid by medical insurance card, and health care and beauty drugs cannot be paid by medical insurance card;

3, hospitalization reimbursement

When an employee's medical insurance insured person is hospitalized in a designated medical institution, he needs to pay a part of the deposit first, and the medical insurance card will be directly used for medical insurance reimbursement at the time of discharge settlement, and the deposit will be refunded. If you are hospitalized in a different place, you need to make a good record of medical insurance in different places or refer it to the hospital for record, so that you can use the medical insurance card for settlement and reimbursement in different places normally.

To sum up, medical insurance card reimbursement is actually medical insurance reimbursement or medical insurance category. Now the workflow is generally simplified everywhere. People who go to designated hospitals with medical insurance cards will generally be reimbursed at the same time when they settle accounts, and then the insufficient part will be paid by individuals.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.