What measures should the construction industry take to participate in the industrial injury insurance briefing?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Industrial injury insurance, also known as occupational injury insurance, is one of China's social security systems. It refers to accidental injuries or occupational diseases suffered by workers in production and business activities or under some special circumstances, and when workers die or temporarily or permanently lose their ability to work due to these two situations, workers and their dependent relatives (survivors) can obtain necessary material compensation from the state and society. This kind of compensation includes not only the needs of medical treatment and rehabilitation, but also the needs of living security.

2. What are the benefits of participating in industrial injury insurance?

Workers who have participated in work-related injury insurance can enjoy work-related injury medical treatment, work-related injury rehabilitation, assistive devices configuration and various living security benefits paid by the work-related injury insurance fund in full and on time in accordance with the provisions of the Regulations on Work-related Injury Insurance. Living security benefits include one-time treatment and long-term treatment, so as to solve the medical and basic living security problems of employees after work-related injuries.

3. Do employees in the construction industry have to participate in work-related injury insurance?

Construction workers' participation in work-related injury insurance is not only an important way to implement the requirements of the CPC Central Committee and the State Council on safeguarding and improving people's livelihood, but also an important way to solve the problems of incomplete safety management system, low coverage of work-related injury insurance, weak ability of frontline construction workers, especially migrant workers, and difficult implementation of work-related injury treatment. Therefore, before construction, the construction unit must go through the formalities for employees to participate in work-related injury insurance.

4. In what form does the construction industry participate in industrial injury insurance? How to pay?

Construction enterprises shall participate in industrial injury insurance according to law. According to the characteristics of the construction industry, construction enterprises should participate in industrial injury insurance according to the employer as a relatively fixed employee; For construction workers, especially migrant workers, who cannot be insured by the employer and used in construction projects, they shall participate in work-related injury insurance according to the project.

Construction enterprises insured by employers shall pay work-related injury insurance premiums according to law based on the total wages. If the construction project is insured as a unit, the industrial injury insurance premium can be paid according to a certain proportion of the total project cost.

5. Do employees in the construction industry need to pay work-related injury insurance?

According to Article 33 of the Social Insurance Law and Article 10 of the Regulations on Work-related Injury Insurance, all expenses for employees to participate in work-related injury insurance shall be paid by the employer, and employees shall not pay.

6. Who will insure the site according to the project?

After the construction site participates in industrial injury insurance according to the project, the industrial injury insurance will cover all employees used in the project, including migrant workers used by professional contractors and labor subcontractors. That is to say, if an accident occurs in the construction of this construction project and is recognized as a work-related injury after the construction site participates in work-related injury insurance according to the project, it can enjoy the treatment of work-related injury insurance in accordance with the Regulations on Work-related Injury Insurance.

7. What are the compulsory measures to promote construction workers to participate in industrial injury insurance?

Housing construction and municipal infrastructure projects to participate in work-related injury insurance as a unit of construction projects, you can give priority to participate in work-related injury insurance procedures, to participate in various social insurance. The construction unit shall submit the work-related injury insurance certificate of the construction project when handling the construction permit procedures. As one of the concrete measures to ensure the safe construction of the project, the competent departments of housing and urban-rural construction in various places shall not issue construction permits to projects whose safety construction measures have not been implemented.