Research On The Life And Health Insurance Of Migrant Workers In Construction Industry

The construction industry is a frequent occurrence industry for security accidents in China.The vast majority of construction workers are migrant workers.Each year,hundreds of workers die due to construction accidents.The migrant workers would be provided by some economic compensation from employment injury insurance or commercial insurance.Butthe employment injury insurance is the only one type of mandatory insurance for migrant workers.However,our country's employment injury insurance mechanism for migrant workers has not developed well,in particular,rates,liability,and compensation amount · In order to solve these problems,this paper conducts a more in-depth study of the migrant workers' employment injury insurance system,aiming to explore the combination of employment injury insurance and commercial insurance,and constitute a new type of life and health insurance system.In order to solve the social reality problem of the absence of migrant workers insurance mechanismFirst,it focuses on analysing the current system of employment injury insurance,comparing employment injury insurance and other insurance related to life and health.Then,through questionnaire survey,the paper investigates the insurance coverage and compensation level of migrant workers,and finds out the shortcomings of the current insurance system.Also from the side to xunderstand the extent to which the government and the enterprise attach importance to it.Based on the existing commercial insurance supplementary mode for employment injury insurance,constructing life health insurance mechanism for migrant workers and the principle of sharing the responsibilities of the government and the enterprise in assuming migrant workers' insurance.Second,it focuses on the problem of floating rate and compensation amount of life and health insurance.Using HSE based WBS-RJBS method to identify the risk factors of construction projects.The method of expert investigation,FEMSL evaluation,subjective and objective weight binding and entropy weight ffuzzy comprehensive evaluation is used to measure the size and comprehensive risk of each unit of the project as a basis for the rate fluctuation and the insurance company's compensation amount.The risk of each construction unit is reflected through the rate,if the premium rate rises,the proportion of premium 8:2 paid by the enterprises and government are further discussed.Finally,this paper puts forward the model of "transfer insurance".The additional premium generated by the social security department will be transfered to the Business insurance company.That is,the life insurance model of”Policy holder-Repolicyholder-Insurer-Beneficiary".When an accident occurs,migrant workers will receive double compensation from employment injury insurance and commercial insurance.On the choice of the insurance company,factor analysis is used to analyze its comprehensive financial capability,based on the score result of each company,it provides reference for government and enterprises to choose insurance companies reasonably.By applying this model to "B District of Liaocheng star Yue City,Shandong" project for insuring the life and health insurance to migrant workers,which provides a new idea for building a new life and health insurance mechanism for migrant workers...