Workers' compensation insurance is a social insurance system set up to ensure that employees who suffer from accidents or occupational diseases at work receive medical treatment and financial compensation, to promote prevention of work-related injuries and occupational rehabilitation, and to spread the risk of work-related injuries among employers.

The prevention of work-related injuries is the prior prevention of work-related accidents, which is one of the main tasks and positive functions of work-related injury insurance. Employers and employees should abide by the laws and regulations on work safety and prevention of occupational diseases, and implement safety and health procedures and standards to prevent work-related accidents and avoid and reduce the hazards of occupational diseases.

The basic principles of work injury insurance include the principle of no-fault liability, the principle of financial compensation and the principle of combining prevention, compensation and rehabilitation.

The Social Insurance Law of the People's Republic of China*** and the Regulations on Work-Related Injury Insurance are the two main laws and regulations in the field of work-related injury insurance.

I. Concept of Work-Related Injury Insurance

Work-related injury insurance is a kind of social insurance that workers are entitled to according to the law when they are injured, sickened, or killed by accidents or occupational diseases at work.

When a worker is injured in an accident or suffers from an occupational disease as a result of work and is recognized as having suffered a work-related injury, he/she is entitled to work-related injury insurance treatment; if he/she loses his/her ability to work as determined by the Labor Capacity Determination (LCD), he/she is entitled to disability treatment; and if he/she suffers a work-related injury that results in death, he/she is entitled to death treatment.

Second, the characteristics of work-related injury insurance

Compared with other kinds of social insurance, work-related injury insurance has the following main features:

First, the liability of the nature of the no-fault. The principle of no-fault liability is practiced in work injury insurance, and the composition of work injury accidents is generally unrelated to the subjective fault of the employer and the workers who suffered personal injuries.

Second, the specificity of the subject of coverage. Workers' compensation insurance only covers workers. Workers' compensation insurance is a means of dispersing the risk of occupational accidents, occupational accidents are related to occupational activities, not all nationals will face the risk, so the workers' compensation insurance only covers the workers engaged in occupational activities. In this regard, article 2 of the Regulations on Work-Related Injury Insurance clearly stipulates that enterprises, institutions, social organizations, private non-enterprise units, foundations, law firms, accounting firms and other organizations within the territory of the People's Republic of China, as well as individual industrial and commercial enterprises with employees, shall participate in work-injury insurance, and shall pay work-injury insurance premiums for all of their employees or hired workers. Employees of enterprises, institutions, social organizations, private non-enterprise units, foundations, law firms, accounting firms and other organizations within the territory of the People's Republic of China, as well as employees of individual businesses, shall have the right to enjoy work-related injury insurance benefits in accordance with the provisions of the Regulations on Work-related Injury Insurance.

Third, the limited content of compensation. Workers' compensation is limited to clear economic losses, including losses caused by disability, death and medical costs. The reason for limiting the compensation content of work injury insurance is that work injury insurance is based on no-fault liability, and also because if the compensation standard is too high, it will lead to a certain degree of moral hazard.

The prevention of occupational injuries refers to the reduction or elimination of occupational accidents and occupational diseases through the provision of safe and healthy occupational environments and conditions, and the improvement of safety and health management systems, so as to protect workers from occupational injuries at the source.

Industrial injury prevention is the prior prevention of industrial accidents, which is one of the main tasks and positive functions of industrial injury insurance. Prevention of work-related injuries is an important part of the trinity system of "prevention, rehabilitation and compensation" of work-related injury insurance, and is a priority of work-related injury insurance.

In order to do a good job of preventing work-related injuries and avoiding and reducing the occurrence of work-related accidents and occupational diseases, the state shall take all appropriate means to organize and promote the work of preventing work-related injuries, promote stable employment of workers, and promote the sustainable and healthy development of the economy and society; employers and employees shall abide by the laws and regulations on work safety and the prevention and treatment of occupational diseases, and shall carry out safety and hygiene regulations and standards, so as to prevent work-related injuries and avoid and reduce the hazards of occupational diseases and the occurrence of work-related accidents. Occurrence, to avoid and reduce the hazards of occupational diseases.

I. Work objectives

1. Reduce the incidence of work-related accidents.

2. Improve labor conditions in the workplace.

3, enhance the awareness and ability to prevent work-related injuries, and realize the change from "I want to prevent" to "I want to prevent" "I will prevent".

Second, the main tasks

1, firmly establish the prevention of priority work concept

Prevent workplace accidents from the source, and effectively protect the life safety and health of workers.

2, establish and improve the prevention of work-related injuries joint prevention and control mechanism

The relevant units to establish a joint meeting system, a clear division of responsibilities, to strengthen the coordination of linkage, and strengthen the joint inspection.

3, focusing on the key industries of occupational injury prevention

Regularly study the current situation and changes in the hazards of occupational accidents and occupational diseases, study and determine the key areas of occupational injury prevention, and determine the key projects in accordance with the law.

4, comprehensively strengthen the publicity of work injury prevention

Give full play to the role of mainstream media and new media, and give full play to the publicity role of various departments and enterprises in the relevant industries.

5, in-depth promotion of work injury prevention training

focus on training key industries and key enterprises in charge of the person in charge, the main person in charge of the safety management department and the first-line team leader and other key positions.

6, the science of industrial injury insurance premium rate fluctuation

In accordance with the industry's level of risk of work-related injuries to determine the industry benchmark rate based on the full play of the incentive and constraints of the floating rate, and to promote the employer to take the initiative to do a good job of preventing work-related injuries.

7, vigorously carry out the Internet + work injury prevention

Give full play to the role of information technology, big data, artificial intelligence in the prevention of work injuries.

8. Actively promote the specialization and professionalization of work injury prevention

Promote third-party professional and technical service institutions and large and medium-sized enterprises with the conditions and capabilities to actively participate in the prevention of work injuries, and set up a database of work injury prevention experts.

9, effectively strengthen the assessment and supervision of work injury prevention work

The whole process of supervision of work injury prevention projects before, during and after the project, in accordance with the project progress arrangements for the whole process of inspection, tracking, and accountability.