Our company only wants to pay accident insurance to employees, and does not want to pay five insuran

There is no way to avoid risk.

1. Social insurance is a compulsory insurance, the labor department will check, if it is not paid, the labor department will punish the company and require supplementary payment, and will also charge a late fee. Even if you pay other commercial insurance, it won't work.

2. There is an upper limit for commercial insurance. According to Article 1 of the Interpretation (III) of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Labor Dispute Cases, "if a dispute arises when an employee requests the employer to compensate for losses on the ground that the employer has not completed the social insurance formalities for him, and the social insurance agency cannot make up for it, resulting in the inability to enjoy social insurance benefits, the people's court shall accept the case". For example, if you get seriously ill from labor, you spend tens of thousands, hundreds of thousands, and more than 500,000 more than you die due to work.

No matter how much you pay for the commercial insurance, you still have to pay the full amount of the employee according to the Social Security Law. Another example is that if a worker is unemployed, he could have received unemployment insurance benefits, but commercial insurance will definitely not pay for this part of the cost, so he has to be compensated by the company.

Hello! This one cannot be circumvented.

In your case, you can choose group accident insurance, determine the premium according to the employee's occupational category and insurance content, and handle it online, the premium is much cheaper

It is definitely needed, because the company only pays a basic medical fee, and there are many drug expenses that cannot be reported, and the health insurance of commercial insurance is how much insurance you buy and how much you lose. Accidents are risks that are everywhere and no one can remember them.

Of course, the disadvantages of medical insurance are that the reimbursement amount is insufficient and the categories of reimbursement are limited, which is far less than the cost of critical illness. Accident insurance generally pays out a relatively high amount, and the amount paid out after an accident is enough to cover the loss of income due to the accident in the next few years. Therefore, it is responsible for the family to buy insurance.

Yes, the company has five insurances and one housing fund, which is equivalent to you wearing underwear. I haven't put on my coat yet. If there are no five insurances and one housing fund, it is equivalent to wearing nothing.

Social insurance refers to a social and economic system that provides income or compensation to a population that is incapacitated, temporarily unemployed, or lost due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

Housing provident fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their in-service employees.

Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

Article 13 of the Regulations on the Administration of Housing Provident Fund The Housing Provident Fund Management Center shall set up a special account for the Housing Provident Fund in the entrusted bank.

The unit shall go through the registration of the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of the housing provident fund account for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of the housing provident fund for employees, recording the deposit and withdrawal of the personal housing provident fund of employees.

Article 15 If a unit hires an employee, it shall register with the Housing Provident Fund Management Center within 30 days from the date of employment, and go through the formalities for the establishment or transfer of the employee's housing provident fund account.

If the employer terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go through the change registration with the Housing Provident Fund Management Center, and go through the procedures for transferring or sealing the employee's housing provident fund account.

Yes, social security is the foundation, accidents and health will increase your value, and your home will show your dignity.

Social security and commercial insurance are two concepts, commercial insurance is a supplement to your social security, and commercial insurance is managed regardless of social security.

It definitely needs to be added, just like when it's windy and snowy outside, you have to wear another coat when you go out.

Social security can only manage the basic security, and if you buy insurance, your happiness index is better.

Should. The two are in one, the perfect combination, so that you can have no worries for a lifetime.

Social security is a simple insurance, not a package, and commercial insurance is a supplement.

It can be supplemented, medical insurance can limit drugs, and commercial insurance can be used.

Yes, social security and ten commercial insurance are equal to a perfect life.

Yes, commercial insurance is a supplement to social security.

Yes, social security is just a simple medical insurance.

Social security + commercial insurance, a better life.

Whether it is necessary for a company to purchase accident insurance for its employees depends on the specific needs

2. Transfer related accident risks. If an employee has an accident during work, the company must compensate the employee, which requires the company to bear a certain amount of economic pressure. If the enterprise has purchased accident insurance for its employees, then when the accident occurs, the enterprise can transfer the corresponding risk to the insurance company, so that it will not bear greater operating pressure.

Test your anti-risk index, experts will interpret it for you for free!

Legal analysis: It is not a violation of the law for a company not to purchase accident insurance. According to the relevant laws and regulations, the company must purchase social insurance (work-related injury insurance, etc.) within 30 days of signing the contract with the employee, and accident insurance is not required by law.

Legal basis: Article 58 of the Social Insurance Law of the People's Republic of China An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration. The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Summary. Pro-<>

I am glad to answer for you: after buying five insurances for employees, they should buy accident insurance, because the five insurances belong to social security, and social security does not include accident insurance.

Do I need to buy accident insurance if I buy five insurances for employees?

My <> is glad to answer for you: after buying five insurances for employees, they should buy accident insurance, because the five insurances belong to the social security balance, and the social security does not include accident insurance.

Do I need to buy accident insurance if I buy five insurances for employees?

In addition, depending on the situation, if the unit benefit allows, the unit risk unit with higher risk can purchase the business Piwu Duye orange blue insurance supplement. For industries with average or low industry risks, the risk can be shared by work-related injury insurance.

Supermarket shopping guide. On the way to and from work.

Work-related injury insurance is among the five insurances, as long as your business involves an industry that is not a high-risk industry, it is okay not to buy accident insurance.

What does the employer need to bear on the way to and from work?

It is not a high-risk industry, it is not a high-risk industry, and most companies do not buy it.

The situation you are talking about is a work-related injury, which is in the five insurances.

The definition of work-related injury is that if an employee is involved in a car accident while commuting to and from work, it can be recognized as a work-related injury.

Oh, that's also, the truck driver makes short deliveries.

Send furniture installation.

Same oh, dear.

Hello, the following is the relevant legal basis that I have compiled for you: Article 2 Enterprises, public institutions, social organizations, private non-enterprise units, ** associations, lawyers' firms, accounting firms and other organizations within the territory of the People's Republic of China 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") of their units. Employees of enterprises, public institutions, social organizations, private non-enterprise units, associations, law firms, accounting firms and other organizations within the territory of the People's Republic of China, as well as employees of individual industrial and commercial households, have the right to enjoy work-related injury insurance benefits in accordance with the provisions of these Regulations.

Article 4 The employer shall publicize the relevant information on the participation in work-related injury insurance in the employer. Employers and employees shall abide by the laws and regulations on production safety and the prevention and control of occupational diseases, implement safety and health regulations and standards, prevent the occurrence of work-related accidents, and avoid and reduce the hazards of occupational diseases. When an employee suffers a work-related injury, the employer shall take measures to ensure that the injured employee receives timely treatment.

According to the Labor Law, the Labor Contract Law and relevant laws and regulations, accident insurance is not a mandatory type of insurance for companies, but only encourages enterprises to purchase accident insurance for relevant employees. The company is obliged to purchase work-related injury insurance, and some industries may require the purchase of work safety liability insurance.

Legal basis: Social Insurance Law of the People's Republic of China

Article 35 An employer shall pay work-related injury insurance premiums according to the total wages of its employees and employees at the rate determined by the social insurance agency.

Article 41 Where an employee's employer fails to pay work-related injury insurance premiums in accordance with the law, and a work-related injury accident occurs, the employer shall pay the work-related injury insurance benefits. If the employer does not pay, it shall be paid in advance from the work-related injury insurance**. The work-related injury insurance benefits paid in advance from the work-related injury insurance** shall be reimbursed by the employer.

If the employer fails to repay, the social insurance agency may recover compensation in accordance with the provisions of Article 63 of this Law.

Hello! This should be analyzed specifically, generally if the employee buys it individually, the accident insurance is paid by the employee, but if the company purchases it for the employee in the name of the group, then it is paid by the company. Among them, if the employee buys it by himself, he should pay attention to the insurance terms to see what protection he can get, and what circumstances will not make a claim, which is related to the direct interests of the policyholder, the more coverage the better, and the fewer exemption clauses, the better; If the company purchases for employees, it needs to provide information such as the number of insured employees, occupation or type of work, the amount of insurance required or the cost budget; You will need to fill out an application form, provide a list of employees, and pay by cash or check.

According to the relevant provisions of the Labor Law, the employer must sign a labor contract with the employee and purchase insurance, so the purchase of social security is a must, which is a compulsory insurance, so you can negotiate with the employer to solve, and if there is no result, apply for labor arbitration or report and complain to the local labor and social security department, which can be effectively resolved. The evidence is to prove that there is an employment relationship with the employer, such as pay slips, work cards, etc.

It is recommended that you purchase two types of accident insurance (one long-term and one short-term).