What is industrial injury insurance?

1. Work-related 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.

Second, the characteristics of industrial injury insurance:

1, the scope of industrial injury insurance is that workers are in the process of productive labor. Because occupational hazards are everywhere, no one can completely avoid occupational injuries. Therefore, industrial injury insurance, as an insurance system against occupational hazards, is applicable to all employees. Any employee who has an industrial accident or occupational disease should enjoy industrial injury insurance, without exception.

2. The liability of industrial injury insurance is compensatory. The direct consequence of industrial injury, that is, occupational injury, is to damage the life and health of employees, and thus cause mental pain and economic losses to employees and their family members, that is to say, the rights of life and health, survival and labor of workers are affected, damaged or even deprived. Therefore, industrial injury insurance is a kind of social insurance system based on the compensation liability of employees injured at work, and other social insurances are based on the help and compensation liability of employees' living difficulties.

3. Work-related injury insurance implements the principle of no-fault liability. No matter whether the responsibility for industrial accidents belongs to the employer, the individual employee or the third party, the employer should bear the insurance responsibility.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 63 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit. If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement. If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.

Derivative problem:

Is it normal that social security can only find work-related injury insurance?

First, five insurances and one gold can only be queried on the social security online pension and medical insurance, and the provident fund should be queried on the provident fund website. The rest of the unemployment insurance, work injury insurance and maternity insurance can't be queried online, so you can only go to the social security center with your ID card. Details are as follows:

1. Go online to inquire about the labor security network or social insurance business website of the city where I log in, click the "Personal Social Security Information Inquiry" window, and enter my ID card and password (password is your social security number or ID card date of birth) to inquire about my insurance information.

2. Telephone consultation Call the labor security comprehensive service telephone number "12333" for policy consultation and information inquiry.

Second, the payment method of social security:

1. Individuals can handle it by themselves: if there is no work unit, individuals, freelancers and individual industrial and commercial households can handle it by themselves as flexible employees, and the insured person needs to go through the social security registration formalities at the social security department where the household registration is located. It should be noted that individuals can only pay endowment insurance and medical insurance, instead of five insurances and one gold, which we often say.

2. Payment through the employer: Employees who have signed a labor contract with the employer have a labor relationship with the employer, and can pay social insurance through the employer, which will be withheld and remitted by the employer, so employees need not worry.