International Comparisons And Reference On Work Injury Insurance

Injury insurance is a kind of social insurance system that worker at work or in special cases suffered for accidental injuries or occupational diseases, when they temporary or permanent incapacity and death, the workers themselves or their dependents could get some material help from the state and society. Work injury insurance system in China established in 50 years of the 20th century, and then nearly 60 years so far, it has made great achievements, especially after "Industrial Insurance Regulations" promulgated. As the economy continues to develop, industrial accidents trend to decline by and large in our country. The number of industrial accident frequency and deaths remains high, especiall in industrial and mining enterprises. In 2006, the number of serious accidents that more than 10 people died one time reached 95, and 1570 people died., Including: coal-mine enterprise took place 48, and the death of 882 people, the casualties number of coal-mine enterprise accidents accounting for mining and commercial enterprise accidents 85%; across the country more serious accidents that killed more than 30 people one time was 7, and death of 263 people, in which coal mining enterprises took place 6, and death of 233 people. In addition, industrial injury insurance rate of coverage less than 50% in China compared to 90% in developed countries stil has a very great distance, and then the attention to injury prevention and post-rehabilitation is not enough. This paper is divided into the following areas, starting with an overview of work injury insurance, including: history and development of industrial injury insurance and its reform and development trends; followed by work injury insurance system of international comparisons, mainly from the legislation, coverage, funds raising and management, payment standards and management aspects of comparison; Once again, the experience of foreign industrial injury insurance system and draw from several aspects of the characteristics of the foreign work injury insurance system and the Enlightenment; last part is to improve the industrial injury insurance system and measures. Work injury insurance system in Germany, the UK, USA and France has its own distinct characteristics, in order to complete our work injury insurance, we should learn foreign experience from other country, to draw up a suitable injury insurance system with Chinese characteristics.