Conditions for the insured person of supplementary work related injury insurance to enjoy the benefi

1. Being injured in an accident during working hours and in the workplace due to work reasons;

2. Being injured in an accident while engaging in work-related preparatory or finishing work in the workplace before or after working hours;

3. During working hours and in the workplace, due to violence and other accidental injuries due to the performance of work duties;

4. Suffering from occupational diseases;

5. During the period of going out for work, the person is injured due to work reasons or the whereabouts of the accident are unknown;

6. Being injured in a motor vehicle accident on the way to and from work;

7. Other circumstances that shall be recognized as work-related injuries as provided by laws and administrative regulations.

At the same time, if an employee has any of the following circumstances, it will be regarded as a work-related injury:

1) Died of a sudden illness during working hours and at work, or died within 48 hours after rescue efforts failed;

2) Suffering harm in emergency rescue and disaster relief or other activities to preserve national or public interests;

3) Employees who previously served in the army, were disabled due to war or duty injuries, and have obtained the certificate of revolutionary disabled soldiers, and were injured after arriving at the employer.

Supplementary work-related injury insurance is an insurance that the employer voluntarily participates in in order to obtain more subsidies and compensation for the injured employee on the basis of the employer's participation in the work-related injury insurance. All those who are recognized as work-related injuries and reach the disability level can enjoy supplementary work-related injury insurance benefits.

Supplementary work-related injury insurance is not the same everywhere, but the basic conditions are the same.

Conditions and standards for enjoying supplementary work-related injury insurance (taking Dalian as an example):

Work-related injury appraisal level Compensation amount (10,000 yuan).

Level 1: 50,000 yuan, Level 2, 10,000 yuan, Level 3, 10,000 yuan, Level 4, 40,000 yuan, Level 5, 10,000 yuan, 6 yuan.

Level 7: 30,000 yuan, Level 8, 10,000 yuan, Level 9: 20,000 yuan, Level 10: 10,000 yuan.

According to the official ** report: The reporter learned from the Shangrao Municipal Social Security Bureau that Shangrao City has issued the "Interim Measures for Supplementary Work-related Injury Insurance in Shangrao City". The interim measures stipulate that all insured personnel of the employer who has participated in the work-related injury insurance in Shangrao City can participate in the supplementary work-related injury insurance, and the expenses shall be paid by the employer, and the individual shall not pay.

It is understood that those who participate in supplementary work-related injury insurance can enjoy the following benefits: if they are recognized as work-related deaths, they will be subsidized by 20% of the one-time work-related death subsidy of work-related injury insurance; If it is recognized as a work-related injury, a medical subsidy of 50 yuan per person per day will be given during the hospitalization** period; If it is recognized as a work-related injury and is identified as a disability of grade 1 to 10, a disability allowance shall be given according to the corresponding disability level; If the employee is found to have suffered a work-related injury and is identified as having a disability of grade 5 to 10, after terminating the labor relationship with the employer, a one-time employment subsidy will be given according to the corresponding disability level to be used for the employment subsidy paid by the employer.

Supplementary work-related injury insurance is a supplementary insurance for people who have already taken out work-related injury insurance.

After applying for supplementary work-related injury insurance, employees who are injured at work-related injuries can not only get the original work-related injury insurance compensation benefits, but also receive a relatively large amount of one-time economic compensation.

The launch of this supplementary work-related injury insurance program can comprehensively improve the level of protection for injured employees, and the insured can enjoy supplementary work-related injury insurance to be met in the state.

Conditions: 1. During working hours and in the workplace, the person is injured by an accident due to work reasons;

2. Being injured in an accident while engaging in work-related preparatory or finishing work in the workplace before or after working hours;

3. During working hours and in the workplace, due to the performance of work duties.

Injured by violence or other accidents;

4. Suffering from occupational diseases;

5. During the period of going out for work, the person is injured due to work reasons or the whereabouts of the accident are unknown;

6. Being injured in a motor vehicle accident on the way to and from work;

7. Laws and administrative regulations.

It stipulates other circumstances that shall be recognized as work-related injuries.

Legal analysis: work-related injury insurance is used to protect the personal safety of employees during work, once a work-related accident occurs, with work-related injury insurance to avoid enterprises and employees to bear a large number of medical expenses, can effectively reduce the economic burden of enterprises and employees. Social insurance is the company must pay for the employees, do not need the employees to pay by themselves, work-related injury insurance is included in the social insurance, therefore, work-related injury insurance can not be purchased separately.

Legal basis: Article 18 of the Regulations on Work-related Injury Insurance The following materials shall be submitted to apply for work-related injury identification: (1) Application form for work-related injury identification; (2) Proof of the existence of an employment relationship (including a de facto employment relationship) with the employer; (3) Medical diagnosis certificate or occupational disease diagnosis certificate (or occupational disease lead shirt diagnosis and appraisal certificate).

The application form for determination of work-related injury shall include basic information such as the time, place, and cause of the accident, as well as the degree of injury of the employee. If the materials provided by the applicant for work-related injury determination are incomplete, the social insurance administrative department shall inform the applicant for work-related injury determination in writing of all the materials that need to be supplemented and corrected at one time. After the applicant requests to supplement and correct the materials in accordance with the written notice, the social insurance administrative department shall accept it.

If an employee is injured and reaches the disability level, in addition to receiving compensation in accordance with the work-related injury insurance, he can also receive compensation from the supplementary Kai charging insurance, which is an extension of the work-related injury insurance, so that the employee can get more compensation and subsidies, provided that the enterprise must participate in the work-related injury insurance for the employee before it can handle the supplementary work-related injury insurance. Supplementary work-related injury insurance is a kind of commercial insurance, which is a supplementary insurance paid by enterprises for employees on the basis of work-related injury insurance, and then given to participate in it, and different fees are charged according to the frequency of injury.

Regulations on Work-related Injury Insurance

Article 62.

If an employer is required to participate in work-related injury insurance in accordance with the provisions of these Regulations but fails to do so, the social insurance administrative department shall order it to participate within a time limit, pay back the work-related injury insurance premiums that should be paid, and impose a late fee of 5/10,000 per day from the date of non-payment;

If the payment is still not made within the time limit, a fine of not less than 1 time but not more than 3 times the amount of the outstanding payment shall be imposed.

If an employee of an employer who is required to participate in work-related injury insurance in accordance with the provisions of these Regulations but does not participate in work-related injury insurance suffers a work-related injury, the employer shall pay the expenses in accordance with the work-related injury insurance benefits and standards stipulated in these Regulations.

After the employer participates in the work-related injury insurance and pays the work-related injury insurance premiums and late fees that should be paid, the work-related injury insurance** and the employer shall pay the newly incurred expenses in accordance with the provisions of these Regulations.

Supplementary work-related injury insurance is a kind of commercial insurance, which is a form of insurance based on the work-related injury insurance paid by enterprises for employees, and then supplemented insurance. Depending on the frequency of the employee's injury, different fees are charged. If an employee's disability reaches the level of disability, in addition to compensation according to work-related injury insurance, he or she can also receive compensation from supplementary insurance.

Work-related injury supplementary insurance is an extension of work-related injury insurance, so that employees can get more compensation and subsidies, provided that the enterprise must participate in work-related injury insurance for employees in order to apply for the corresponding work-related injury supplementary insurance. Supplementary work-related injury insurance is a kind of commercial insurance, which is a form of insurance based on the work-related injury insurance paid by enterprises for employees, and then supplemented insurance. Depending on the frequency of the employee's injury, different fees are charged.

If an employee's disability reaches the level of disability, in addition to compensation according to work-related injury insurance, he or she can also receive compensation from supplementary insurance. Work-related injury supplementary insurance is an extension of work-related injury insurance, so that employees can receive more compensation and subsidies, provided that the enterprise must participate in work-related injury insurance for employees in order to apply for the corresponding work-related injury supplementary insurance. In accordance with the relevant laws and regulations, enterprises, public institutions, social organizations, private non-enterprise units, ** associations, legal firms, accounting firms and other organizations within the territory of the People's Republic of China, as well as individual industrial and commercial households with employees, 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 of their units.

Legal basis, Article 2 of the Regulations on Work-related Injury Insurance 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 individual industrial and commercial households with employees, 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 of the unit.

Legal analysis: It is a supplementary commercial insurance that is based on the establishment of a social co-ordination of work-related injury insurance in accordance with the requirements of the laws and regulations of the country, and is insured by the employer or social security institution to further improve the compensation for work-related injuries of employees and disperse the employment risk of the employer.

Legal basis: Article 1 of the Regulations on Work-related Injury Insurance These Regulations are formulated in order to ensure that employees who are injured in accidents or suffer from occupational diseases due to work-related injuries receive medical treatment and economic compensation, promote work-related injury prevention and occupation, and disperse the work-related injury risks of employers.