All Employees should be covered by Industry Injury Insurance.
According to the Regulations on Industrial Injury Insurance, If there is a claim of an accident at work, the first step will be a verification that the accident is work related. After there is a confirmation that an accident is work related, there will be an appraisal of working capacity. Treatment and compensation will vary according to the findings of this appraisal. Costs in this case will be largely born by the industrial insurance fund. Where there is Industry Injury Insurance coverage, this should be an employee’s first recourse for compensation after an accident on the job.
There are local rules and regulations governing employment accidents and treatments, therefore, the exact terms of treatment and compensation will also be affected by these local rules.
If there is no industrial insurance coverage, all liabilities for an employment related injury will be borne by the employer. In such a case, an employee may be required to litigate to recover appropriate compensation from the employer, but options such as arbitration or settlement may be a better initial course.