If I buy insurance for a worker, and the worker is accidentally injured at work, does the company ne

Introduction: If the worker is insured and the worker is not injured at work, does the company need to compensate? What is covered by workers' compensation insurance? And how do I pay for it? Let's take a look at it! <>

1. Compensation items.

Including medical expenses, nursing expenses, food subsidies, transportation expenses, accommodation expenses, living care expenses, assistive device expenses, etc., whether they are entitled to it is judged according to the actual situation. Termination of employment relationship.

Those with a disability level of 5 to 10 can have a one-time medical subsidy for work-related injuries.

One-time Disability Employment Grant. <>

2. Scope of compensation.

The catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs, etc., shall be carried out by the administrative department of labor and social security in conjunction with the administrative department of health.

Regulations of the drug regulatory department and other departments. At the time of compensation, if the party is not yet in good health and really needs to continue, the expenses that must be incurred are determined according to the medical certificate or appraisal conclusion, and the compensation rights holder may sue separately after the actual occurrence of the compensation for the sequelae of the residual dysfunction after the injury is fixed and the sequelae dysfunction is really needed, or the necessary expenses for the recovery of organ function training that has not recovered from the injury. If the injured employee has been assessed for disability and confirmed by the Labor Ability Appraisal Committee to be in need of life care, the living care expenses shall be paid on a monthly basis from the work-related injury insurance**.

3. It depends on the situation.

In order to protect against work-related accidents or occupational diseases.

of employees receive medical treatment and financial compensation.

Promote work-related injury prevention and occupational**, and disperse the risk of work-related injuries for employers. For the workers did not leave their jobs and continued to work. After the work-related injury is paid, the employer shall no longer be liable for compensation if the work-related injury insurance is not paid, and the employer shall follow the Regulations on Work-related Injury Insurance.

Prescribed work-related injury insurance benefits.

Project and standard payment fees. For workers leaving their jobs, compensation needs to be paid. The payment is a one-time medical benefit for work-related injuries and a one-time employment benefit for disability.

Although the worker is accidentally injured after buying insurance, the company needs to provide medical treatment, reimbursement for various drug expenses, lost work expenses, meal expenses, wages, etc

The company does not need to compensate, and with insurance, it can fully use the insurance money to compensate the workers, and it can also allow the company to bear a small part.

In such a situation, the company needs to compensate, and the company should also contact the insurance company as soon as possible, and the insurance company will pay part of the cost.

It is necessary to compensate, because insurance cannot cover everything, and the company should also bear part of the responsibility, and should also be compensated appropriately.

If this happens, of course, the company will need to compensate for the injury suffered at work.

This first needs to be compensated by the insurance company, and the company must also make corresponding compensation out of humanitarianism.

The company has paid social security work-related injury insurance for employees, and when work-related injuries occur, the relevant expenses are paid by the work-related injury insurance of social security, and the commercial insurance company has nothing to do with it (of course, whether the social insurance company participates in the management of social security in this country has nothing to do with us), whether the enterprise has to pay or compensate for other expenses to employees, you can refer to the social security work-related injury insurance regulations () which have detailed provisions. If you personally or your unit has purchased life insurance from a commercial insurance company for you, and has accidental injury or medical protection, then the insurance company should also reimburse or pay the relevant expenses for you in accordance with the insurance contract, if the commercial insurance company that constitutes a disability also has to pay compensation and social security work-related injury insurance and the compensation payable by the unit does not conflict, but for medical hospitalization and other expenses can not be reimbursed repeatedly, you should first report to social security, and then the insurance company will reimburse if social security cannot pay.

In addition, many people don't understand why medical hospitalization and other expenses can not be reimbursed repeatedly, here I will also explain simply: because the expenses incurred in seeing a doctor ** are a number (there are relevant bills), whether it is social security or commercial insurance, the relevant bills must be collected at the time of reimbursement, and you will be taken away by social security when you report the ticket in social security, and there is no way to report it to the insurance company, and vice versa; As for disability compensation, as long as the disability level is reached, you can receive compensation based on the appraisal results, because people's life and body are priceless, and no one can invoice for the loss caused by physical disability, so the enterprise cannot stop paying because the insurance company compensates, which must also be calculated separately!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

How to pay for work-related injury commercial insurance?

Yes, because the insurance company will only pay for reasonable and necessary expenses, such as your medical expenses, etc., and the company will also need to compensate the injured person.

It mainly depends on the disability level after you are injured at work, if your injury level is relatively high, then the company will definitely have to pay more money.

Yes, this is because the work-related injury is within the scope of the company's claims, and if the company does not make a claim, it can sue directly.

There will definitely be compensation, because I was injured in the company, so the relevant company management will pay for myself.

With the development of the economy, people have gradually attached importance to the protection of human rights, such as labor contract disputes and property division, which are often the causes of disputes, among which labor contracts are the most common. With the continuous improvement of the law, relevant laws have been introduced to protect people's rights and interests. Employees work for the company, and during their tenure, the company is responsible for the personal safety of employees.

There is already a clear law in China that any enterprise must purchase insurance for its employees. If there is no insurance, if a work-related injury occurs during the employment period, the employer shall be fully responsible for all expenses incurred by the employee during the convalescence period, including property management fees, medical expenses, mental damage expenses, etc. If there is any arrears of workers' compensation, the compensation will be 3 times the amount of the workers' compensation after the enforcement.

If you work in a factory and the factory has purchased insurance for itself, if you are injured at work, the insurance company will compensate for the relevant losses in accordance with the compensation regulations. This includes medical expenses, nutrition expenses, mental damages, etc. Among them, the compensation for lost time is calculated by the unit according to the cost of working hours.

I hope that when I work outside, I must protect myself well to avoid injury, delay work, and affect my quality of life. Sometimes, no matter how cautious we are, it may still cause danger, and we are not afraid of 10,000. Therefore, it is hoped that when recruiting and employing people, in order to allow employees to work with peace of mind, they hope to be able to purchase five insurances and one housing fund for each employee.

Give employees a guarantee.

Sometimes when we are away from home, we can't help ourselves, and in order to live, we have to risk our lives to carry the burden. I wish everyone who works outside the home can have smooth sailing. At the same time, in any case, in order to provide employees with a guarantee, I hope to be able to purchase insurance for employees.

I am not afraid of 10,000 in everything, but I am afraid of what happens.

If an employee is injured, he can directly find the person in charge of the factory and ask them to take the policy to the insurance company to deal with it.

After buying insurance, the employee is injured, which is a work-related injury, so the company must be responsible for it, and choose to pay for the medical expenses according to the proportion and degree of injury at that time.

The insurance company will pay a percentage according to the employee's injury and some of their terms, and it also has a very complete system.

If an employee is injured, he should contact the HR department of the factory directly, and then the HR department will go to the insurance company to hand over the work.

The boss is not at fault and is jointly and severally liable outside of the insurance coverage.

In other words, in addition to the compensation given by the insurance company, the rest of the expenses need to be paid by your boss in advance.

It belongs to the employer's liability, which is a special type of tort liability, which is summarized as the employee's staff or labor dispatch personnel of the employer.

and personal labor relations.

The employer or labor dispatch unit causes damage to others in the course of work or in the course of providing labor services.

and the special tort liability that the accompanist who receives the labor service shall bear the liability for compensation.

Extended Materials. 1. Employer's responsibility.

Tort Law.

2. Tort liability for damage caused by labor dispatch.

Paragraph 2 of Article 34 of the Tort Liability Law: During the period of labor dispatch, if the dispatched worker causes damage to others due to the performance of work tasks, the employing unit accepting the labor dispatch shall bear the tort liability; If the labor dispatch unit is at fault, it shall bear the corresponding supplementary responsibility.

3. Tort liability for damage caused by the provision of personal services.

4. Tort liability for damage caused by the provision of personal services.

3. Rules for the employer's responsibility.

1. If the staff of the employer causes damage to others due to the performance of work tasks, the employer shall bear the tort liability. During the period of labor dispatch, if the dispatched staff member causes damage to others due to the performance of work tasks, the employing unit accepting the labor dispatch shall bear tort liability; If the labor dispatch unit is at fault, it shall bear the corresponding supplementary liability.

2. If a labor relationship is formed between individuals, and the party providing the labor service causes damage to others due to the labor service, the party receiving the labor service shall bear the tort liability. If the party providing the service suffers damage due to the service, it shall bear the corresponding responsibility according to the fault of both parties.

If an employee of a company is injured in the work, but the boss has purchased accident insurance, there should be an insurance company to bear the compensation, and the insurance company pays how much is protected by law.

If an employee is injured at work, and the boss has bought insurance, then he does not need to be held responsible, because insurance will compensate him.

If the employee is injured and the boss has purchased insurance, then the boss must be responsible for calling Ren Gaiqin, because this is a work injury. Therefore, the boss needs to bear the salary of this employee during the period of work-related injury.

If an employee is injured at work, the boss has bought insurance for the employee, but he still has to bear the corresponding liability for compensation.

The boss needs to bear no-fault joint and several liability for several bends outside the scope of the potato boring insurance. In other words, in addition to the compensation given to Ling Chong by the insurance company, the rest of the expenses need to be paid by your boss in advance.

If an employee is injured in the course of something, the boss will definitely buy him insurance and bear his responsibility. In this way, it can be used.

I'm coming to you, the employee is injured in his work, and the boss has already bought insurance Chong Senji, is he still responsible? I Chunjing thinks that the boss has bought you loose insurance, so you are injured, insurance, but you have been injured at work, so the boss still has to take care of it.

I think that if an employee is injured, the boss will have to bear the corresponding responsibility even if he buys insurance, such as the salary of the employee during the injury, the company must bear the burden, and there may be some nutrition expenses.

Generally, no compensation is required. However, out of morality, a certain amount of compensation should be given, and it is good to do your best.

The boss buys insurance for the employee, and the employee is injured at work, first of all, to identify whether it is within the scope of the insurance, to determine the reimbursement of expenses, and the state training at the same time the superior department is only to track down the boss's management responsibility.

The employee is injured in doing things, and the boss has bought insurance, and in this case, he is also responsible for the promotion, and the person who is responsible should also give him a holiday, and he should often go to see her.

If an employee is injured while doing something, and the boss has bought insurance, is he still responsible? I don't think it's necessary to do so.

If the employee has been insured and suffers a work-related injury, the employee can be covered by insurance.

Generally, the insurance company will compensate, and if it is beyond the insurance coverage, then the boss will need to pay.

It's definitely needed.

Since there is an accident, you have to be responsible.

If an employee is injured at work, and the boss has bought insurance, is he still responsible? This is up to the insurance company to come forward.

If the amount of insurance is insufficient, the insufficient part of the compensation can be compensated by the boss out of his own pocket.

If it is the boss, it is accident insurance for the employee.

In addition to the insurance benefits for accident claims, workers can also request a lump sum of compensation from the construction company depending on the specific circumstances of the accident. Because of Tuanliang Mingti accident insurance.

It is the welfare of the employee and the protection of the insured himself, no matter how much he loses, it is the business of the insurance company and the insured, and it is two different things from the employee's claim to the enterprise; If the employer provides employer's liability insurance.

If the insured amount is 500,000 yuan, then the 500,000 compensation that the enterprise needs to bear can be replaced by the employer's liability insurance and the insurance slag hole insurance.

Therefore, under the premise of information symmetry, if a business owner chooses between employer's liability insurance and group accident insurance, if he is a rational boss, he will choose employer's liability insurance.

In addition, employer's liability insurance covers a wider range of liability than group accident insurance, covering death and disability compensation and lost time pay during the period of leave without pay.

Living care expenses, outpatient and inpatient medical expenses are in deficit (some self-financed drugs and self-paid items, and a small number of foreign-funded companies have group insurance.)

It can also cover medical expenses outside of social insurance), one-time disability medical subsidy (5-10 levels), sudden death liability (48 hours as a definition of work-related injury, and some group insurance can be extended and added, up to 24 hours), legal expenses, and occupational diseases.

Compensation, transportation and accommodation subsidies for hospitalization, etc.

The compensation of employer's liability insurance is directly compensated to the enterprise, and the enterprise then compensates the employee, which can effectively transfer the employment risk of the enterprise, quickly transfer the liability of the enterprise to the injured employee, reduce the communication cost, maintain the stable operation of the enterprise, avoid the uncertainty of the compensation amount, and convert it into a small but stable premium expenditure. The premium can also be used as a pre-tax deduction to reduce the tax burden of enterprises. The liability of group accident insurance is similar to that of personal accident insurance, and the mainstream liability is accidental death and disability, medical expenses and accidental hospitalization allowance compensation, and some companies can extend sudden death and public transportation.

Liability for accidental injury, additional compensation, etc.

The biggest difference between the two is that even if the employee receives compensation directly from the accident insurance, it still cannot exempt the company's liability, and the employee and his family can also claim compensation from the company, while the employer's liability insurance will help the company transfer this part of the risk.

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