What social insurance do workers enjoy when they die unexpectedly?

Workers who die unexpectedly enjoy work-related injury insurance. 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. When workers are injured, sick, disabled or killed due to accidents or occupational diseases in production, the social insurance they enjoy according to law is industrial injury insurance.

Identification of work-related injury insurance: When a worker is temporarily or permanently incapacitated and dies due to a work-related injury or occupational disease, regardless of the reason, the person or enterprise is liable for the work-related injury and enjoys social insurance benefits, that is, the principle of no-fault compensation.

Legal basis:

Regulations on industrial injury insurance

Article 1 These Regulations are formulated in order to ensure that employees who suffer from accidents or occupational diseases at work receive medical treatment and economic compensation, promote work-related injury prevention and vocational rehabilitation, and disperse the risk of work-related injuries of employers.

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 3 The collection and payment of work-related injury insurance premiums shall be carried out in accordance with the provisions of the Interim Regulations on the Collection and Payment of Social Insurance Fees on the collection and payment of basic old-age insurance premiums, basic medical insurance premiums and unemployment insurance premiums.

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 5 The administrative department of social insurance in the State Council shall be in charge of the work of industrial injury insurance nationwide.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the work-related injury insurance within its administrative area.

The social insurance agency established by the administrative department of social insurance in accordance with the relevant provisions of the State Council (hereinafter referred to as the agency) specifically undertakes work-related injury insurance affairs.

Article 6 When formulating policies and standards for work-related injury insurance, social insurance administrative departments and other departments shall solicit the opinions of trade union organizations and representatives of employers.