China High-risk Industry Inductrial Injury Insurance Of Liability Of Social Insurance And Employers Complementary Analysis And Research

Frequent occurrence of serious accidents in recent years expose that the safety measures in our country are at various risks, at the same time, disability and death after the accident without adequate civil compensation of employees, also exposes that the social management of China's insurance and relief features are inadequate in the accident. Supplementing the social security system efficiently with ELI is substantive to not only legislation but also stability of society and economy, where is also the author's baseline to study on ELI. This article analysis the complementary theories of Oil and ELI for employees in high risk industries, and then analyzing the present situation of Oil and ELI o At last, the author gives some suggestions and opinions for improvement.The complement between Occupational Injury Insurance and Employers'Liability Insurance has its theoretical basis:cornerstone of the complement between Oil and ELI is compensation for occupational injuries; they are complementary in insurance liability .and insurance object, and ELI can pay the injury insurance benefits which should be paid by ELI.In China, although "the industrial injury insurance Ordinance"protect the injured employee in a large extent, there are still some problems, such as lack of legislation, supporting policies are not perfect; Differential rates of injury insurance are not scientific, rehabilitation and prevention of occupational injury insurance mechanism needs to be strengthened; standard of work-related injury is fuzzy and so on. Employers 'liability insurance also has some problems,such as the legal system is not perfect, the insurance companies themselves have defects, weak insurance awareness and legal awareness of employers, support from government is weak, reinsurance risk costs too much, as well as ELF rate is high but protection level is low. For above problem, after analysis and demonstration, author made some suggestions and countermeasures for improvement, such as:strengthening legislative, perfect legal environment; establish an occupational injury prevention system; give some recommendations on coverage of employers'liability insurance and industrial injury insurance; build a compensation system in which Oil is dominate and ELI is auxiliary, play government role actively, and promote ELFs development; reasonably solve lost pay problem when the employees buy both of the Oil and ELI.Through the above measures to build a more scientific and rational system of employee insurance, and to better protecting the interests of employees.