Employers' liability insurance generally adopts the ten-level industrial injury appraisal standard of the labor department, and personal insurance generally adopts the seven-level disability appraisal standard of the insurance industry. Judging from the disability assessment standard, employer liability insurance has a wider scope than personal insurance. Simply put, it is the 8- 10 disability in employer liability insurance, not the disability standard in personal insurance.
First, the employer's liability insurance claims need to apply to the insured unit and receive compensation according to the contract. The beneficiary of the compensation is the company, not the employee. The company can use this part of the expenses to pay employees' compensation for work-related injuries. Second, the employer's liability insurance does not affect the employee's work injury treatment standard. Ten-level disability compensation for employees who constitute work-related injuries: medical expenses: determined according to the invoices of medical institutions. Salary during paid shutdown: during shutdown, it shall be paid according to the original salary and welfare. The original salary refers to the average salary before injury 12 months.
Nursing expenses and food subsidies during hospitalization: premise: hospitalization; According to local standards. One-time disability allowance. One-time work-related injury medical subsidy and one-time disability employment subsidy: premise: dissolution or termination of labor relations, and specific standards shall be formulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government. If the employer pays social insurance, the medical expenses that meet the standards, food subsidies during hospitalization, one-time disability subsidies and one-time work-related injury medical subsidies shall be paid by the work-related injury insurance fund; The employer shall pay the wages during the period of suspension with pay, the nursing expenses during hospitalization, the medical expenses that do not meet the standards, and the one-time disability employment subsidy.
If the employer fails to pay work-related injury insurance, it shall be borne by the employer. Employer's liability insurance is based on whether the employer is responsible for the death, disability and medical expenses of the insured; Personal insurance takes the death, physical defect or medical expenses of the insured caused by accidents as the insurance subject. Simply put, you are not injured, disabled or killed during working hours or for work reasons. Employer's liability insurance is not required, but personal insurance can be paid.
Legal basis: Article 1 179 of the Civil Law of People's Republic of China (PRC) infringes on others and causes personal injury, it shall compensate the reasonable expenses of treatment and rehabilitation such as medical expenses, nursing expenses, transportation expenses, nutrition expenses, hospital food subsidies, and the reduced income due to absenteeism. If it causes disability, it shall also compensate for the cost of assistive devices and disability compensation; If death is caused, funeral expenses and death compensation shall also be paid.