Should summer workers deduct accident insurance money?

Legal analysis: accident insurance belongs to commercial insurance, not social security. Employers cannot require workers to pay insurance premiums when purchasing accident insurance, otherwise it is illegal.

Legal basis: Article 12 of the Measures for the Administration of Insurance Clauses and Insurance Rates of Life Insurance Companies refers to life insurance with death, disability or other accidents as the conditions for payment of insurance benefits.

Article 62 of the Regulations on Work-related Injury Insurance, if the staff of state organs, institutions and social organizations who conduct personnel management with reference to the national civil service system suffer from accident injuries or occupational diseases due to their work, the expenses shall be paid by their units. The specific measures shall be formulated by the administrative department of labor security of the State Council in conjunction with the administrative department of personnel and the financial department of the State Council.

Industrial injury insurance for other institutions, social organizations and various private non-enterprise units shall be formulated separately by the administrative department of labor and social security of the State Council in conjunction with the administrative department of personnel, the civil affairs department and the financial department of the State Council with reference to these regulations, and shall be implemented after being reported to the State Council for approval.