9 September is a bad day for Fujian. Since the confirmed cases appeared on September 10, the number of confirmed cases of new coronary pneumonia in Fujian Province has continued to increase for many days. Until September 13, Fujian Province has reported a total of 98 infected people in three days, the most infections since the fight against the epidemic this year.
Faced with the rebound of the epidemic, all parts of the country are actively preventing and controlling the epidemic, and working remotely from home has once again been put on the agenda.
So, out of professional sensitivity, Abaojun thought of a question: is not working in the company, staying at home, and being injured unexpectedly, will the insurance compensation be paid? will answer you today.
First of all, let’s take a look at whether this situation meets the [work injury insurance] part of social security. In accordance with the provisions of the Work Injury Insurance Regulations and relevant judicial interpretations, if any of the following circumstances occurs:
, if an accidental injury occurs during working hours or due to the performance of work duties;
, if an occupational disease is suffered;
3, if injured or missing due to business operations;
4, if a traffic accident occurs while commuting to get off work, the main factors for determining work injuries are working hours, work locations, and the performance of work duties.
From the above regulations, it can be seen that working from home during the epidemic obviously meets the first requirement. For the benefit of the unit, employees work from home for the benefit of the unit, and they are still working properly. Therefore, work-related injury insurance is a that must be compensated.
In addition to work-related injury insurance, the individual account of the party’s social security and pension insurance can be fully collected. At the same time, the state will also have funeral expenses, pensions and other compensation amounts.
Then, social security and company must make claims. If the party purchases commercial insurance, what insurance can be made?
If you buy life insurance , the insurance company will definitely pay the compensation. Because for life insurance, as long as a person dies, compensation must be paid. Of course, if it is suicide or crime, then there will be no compensation. We won't explain this too much.
Secondly, for accident insurance , pays according to the situation. Because the definition of accident insurance is very complicated, compensation needs to be paid according to actual conditions.
According to the definition of insurance: accidental injury refers to an objective event that causes the body to be harmed by an external, sudden, non-intentional, and non-disease.
If you work from home, will die suddenly, and the accident insurance will not be compensated. . is a disease category and does not meet the requirements of non-diseases; if you die from a fall or bump from the upper floor, you can pay.
There is another situation. If you accidentally get infected with COVID-19 when working from home, the accident insurance will not be compensated. is very simple. The epidemic belongs to the category of disease, so even if it is accidentally infected, it does not meet the requirements of non-diseases. Everyone must remember this.
Others, such as critical illness insurance, million medical insurance , etc., are relatively small, so there is no need to discuss it.
During the epidemic, you must protect yourself when working at home and not ignore it. Although an accident can be confirmed to be an employee injury, the company will compensate you. But try to avoid injuries, after all, safety and health are the first priority.
If anyone around you doesn’t know, please follow and forward it to benefit more people!
