The industrial injury insurance system is the most common and perfect social security system in the world. The general principles followed by the industrial injury insurance system are:
The principle of liability compensation is also called the principle of no-fault compensation: it contains two meanings: first, no matter whether the responsibility of occupational injury mainly belongs to the employer, the third party or his own individual, the injured person should receive certain economic compensation; Second, the employer does not assume direct liability for compensation, and the social insurance institutions for work-related injuries organize work-related injury compensation in a unified way, generally without going through legal procedures and court rulings. Doing so can not only ensure timely and fair treatment of work-related injuries, but also simplify legal procedures and improve efficiency. Liberating the employer from the work-related injury compensation is conducive to concentrating on business. According to this principle, the establishment of industrial injury insurance basically eliminates the disadvantages of employer responsibility system;
Risk sharing: the principle of mutual assistance is the basic principle of social insurance system. First, insurance premiums are levied according to law, industrial injury insurance premiums are established, risks are shared, and mutual assistance is provided. Secondly, in the distribution of benefits, the state instructs social insurance institutions to redistribute expenses. The allocation and use of this fund includes the transfer between people, regions and industries. Can solve social problems more effectively;
The principle that individuals do not pay fees is that work-related injury insurance is paid by the unit, and employees do not pay any fees. This is the difference between work-related injury insurance and pension, unemployment and medical insurance. Because occupational injuries are caused in the course of work, labor is an important factor of production, and workers pay the price for creating wealth for the unit, so it is absolutely necessary and reasonable for the employer to bear all the insurance premiums, just like spending money on maintenance and purchase of equipment. This has formed a * * * knowledge world;
The principle of distinguishing between work-related injuries and non-work-related injuries is directly related to work or occupation, and work-related injury insurance benefits are compensatory. Medical rehabilitation, disability benefits and death benefits are more favorable than other insurance benefits. As long as the enjoyment conditions meet the scope of work-related injury insurance, they are not limited by age and payment qualification. Casualties due to illness or non-work-related injuries are basically not directly related to work, and the insurance benefits are subsidized. The treatment level is lower than that of work-related injuries, and the enjoyment conditions are limited by age and individual payment years. Therefore, distinguishing between work-related injuries and non-work-related injuries is the starting point and premise of establishing work-related injury insurance;
The principle of wage loss: Occupational injuries that cause injuries to limbs or organs, or even loss of life, can neither be exchanged back, nor can they be used as property compensation. Compensation for work-related injuries is mainly to make appropriate compensation for wage losses. This is from the perspective of labor production and reproduction. Work-related injury insurance benefits and the previous wage income of work-related injuries maintain an appropriate proportional relationship. Generally, the temporary disability allowance is not 65,438+0,000% of the salary, and the permanent disability treatment and death pension are also converted into several years' salary, so the compensation is limited. This also embodies the principle that both employers and employees share risks, because under normal circumstances, employees also have to bear certain responsibilities in accidents;
The principle of combining compensation with prevention and rehabilitation is one of the fundamental differences between industrial injury social insurance and employer's liability industrial injury insurance. The primary and direct task of industrial injury insurance is industrial injury compensation, but this is not its only task. The basic task of social insurance is to ensure the life of employees, protect their health and promote social stability and productivity development. Starting from this fundamental task, industrial injury insurance should be combined with accident prevention, medical rehabilitation and vocational rehabilitation. Strengthening production safety, reducing accidents, timely rescue and treatment in case of accidents, and taking effective measures to restore workers' health and help them return to work are more positive and far-reaching than compensation for work-related injuries for social interests and fundamental interests of workers. Combining industrial injury compensation with accident prevention and vocational rehabilitation is an important content of the social insurance system for industrial injuries implemented by the state at present.