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Industrial injury insurance refers to a social insurance system in which workers or their survivors suffer accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent loss of working ability and death, and the state and society provide material assistance.

Identification of temporary incapacity of workers in industrial injury insurance due to industrial injury or occupational disease. No matter what the reason, the responsibility lies with individuals or enterprises, and they all enjoy social insurance benefits, which is the principle of no-fault compensation.

Industrial injury insurance, also known as occupational injury insurance. Work-related injury insurance is a social security system that collects the work-related injury insurance premiums paid by employers and establishes a work-related injury insurance fund to provide practical legal medical care and necessary economic compensation for workers who suffer accidental injuries or occupational diseases in production and business activities, resulting in death, temporary or permanent loss of working ability. This kind of compensation includes not only medical and rehabilitation expenses, but also the cost of ensuring basic living.

Work-related injury insurance follows the following ten principles:

1, no liability compensation (no-fault compensation) principle;

2. Principles of national legislation and enforcement;

3. The principle of risk sharing and mutual assistance;

4, the principle of individual non-payment;

5. Distinguish between work-related and non-work-related principles;

6. The principle of combining economic compensation with accident prevention and occupational disease prevention;

7. The principle of combining one-time compensation with long-term compensation;

8. Principles for determining the level of disability and occupational diseases;

9. Distinguish between direct economic losses and indirect economic losses;

10, principle of centralized management.

Work-related injuries refer to accidents or occupational diseases suffered by employees in the course of work. According to the provisions of Article 14 of the Regulations on Work-related Injury Insurance, an employee shall be deemed as a work-related injury in any of the following circumstances:

(1) Being injured by an accident during working hours and in the workplace;

(two) before and after working hours, in the workplace, engaged in preparatory or finishing work related to the work and was injured by an accident;

(three) during working hours and workplaces, due to the performance of duties by violence and other accidental injuries;

(4) Suffering from occupational diseases;

(five) during the business trip, injured or missing due to work reasons;

(six) on the way to work, I was injured by a traffic accident or an urban rail transit, passenger ferry or train accident for which I was not primarily responsible;

(seven) other circumstances that should be recognized as work-related injuries as stipulated by laws and administrative regulations.

At the same time, according to the provisions of Article 15 of these regulations, if an employee has one of the following circumstances, it shall be recognized as a work-related injury:

(a) died of sudden illness during working hours and at work, or died within 48 hours after being rescued;

(2) safeguarding national interests and public interests in emergency rescue and disaster relief activities;

(3) An employee who was formerly in the army and was disabled due to war or business has obtained a revolutionary disabled soldier's certificate, and the old injury recurs after going to the employer.