The work injury insurance system protects employees from physical injuries and economic burden, and employers from undue liabilities. However, in complicated cases, the system may have a hard time balancing interests
The work injury insurance system, according to related regulations, is set up “with a view to guaranteeing the workers who are injured from accidents arising from work, or who suffer from occupational diseases, to obtain medical care and economic compensation, promoting the prevention and occupational recovery from work-related injuries, and dispersing the work-related injury risks of employing entities”.
Taking Beijing as an example, labourers are protected under the Social Insurance Law and the Regulation on Work-Related Injury Insurances, as well as policies on payments from the Beijing Work Injury Insurance Fund. Under the current work-related injury insurance system, the bulk of expenses incurred by a work-injured employee is borne by the insurance fund.
Expenses from work-related injuries comprise medical and rehabilitation costs, inpatient meals, transportation and accommodation expenses for medical treatment outside the designated area, living care expenses, assistive devices, allowances for disabilities graded one to four, and one-off medical and benefits.
Costs and items to be covered by employers are limited to work stoppage wages, allowances for disabilities graded five or six, medical expenses beyond the work injury insurance...
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