工傷保險有年齡限制嗎

工傷保險有年齡限制，工傷保險只能是合法的勞動者才可以參加，法律規定(ding)十六周歲的人與(yu)單位(wei)簽(qian)訂勞動合(he)同才(cai)是(shi)(shi)合(he)法的，才(cai)屬(shu)于合(he)法的勞動者(zhe)。未滿十六周歲的勞動者(zhe)屬(shu)于童工(gong)，使用童工(gong)是(shi)(shi)違法的。

購買工傷保險的好處有哪些

1、參加工傷保險，可以較好地維護傷殘職工的合法權益

企業職工(gong)(gong)參加工(gong)(gong)傷(shang)保(bao)(bao)險，一旦發生(sheng)事(shi)故，由當地勞動保(bao)(bao)障(zhang)行(xing)政(zheng)部(bu)門依法(fa)進(jin)行(xing)工(gong)(gong)傷(shang)認(ren)定。確定是工(gong)(gong)傷(shang)的(de)，由政(zheng)府勞動鑒(jian)定機構對工(gong)(gong)傷(shang)職工(gong)(gong)的(de)傷(shang)殘(can)情況進(jin)行(xing)等(deng)級(ji)鑒(jian)定，并由政(zheng)府社會保(bao)(bao)險部(bu)門按規定進(jin)行(xing)賠償。這樣，就能(neng)較(jiao)好(hao)地維(wei)護(hu)企業職工(gong)(gong)的(de)合法(fa)權益。

2、參加工傷保險，可以減輕企業負擔

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如果企業職工(gong)(gong)不參(can)加(jia)工(gong)(gong)傷(shang)(shang)保(bao)險(xian)(xian)，一旦發生工(gong)(gong)傷(shang)(shang)事故(gu)，由(you)企業承擔職工(gong)(gong)工(gong)(gong)傷(shang)(shang)所(suo)(suo)帶來(lai)的醫藥費(fei)(fei)、傷(shang)(shang)殘(can)補助金、傷(shang)(shang)殘(can)津(jin)貼等(deng)諸多費(fei)(fei)用(yong)。但參(can)加(jia)工(gong)(gong)傷(shang)(shang)保(bao)險(xian)(xian)后，不論企業發生何種工(gong)(gong)傷(shang)(shang)事故(gu)，其所(suo)(suo)需有(you)關費(fei)(fei)用(yong)都(dou)可(ke)以由(you)政府社會保(bao)險(xian)(xian)機構(gou)按規定進行賠償(chang)。

3、參加工傷保險，可以增強企業安全意識，減少企業事故

企業參加工(gong)傷保(bao)(bao)險(xian)(xian)(xian)后，向政府社會保(bao)(bao)險(xian)(xian)(xian)機構支(zhi)付工(gong)傷保(bao)(bao)險(xian)(xian)(xian)基金，看(kan)起(qi)來付出(chu)了一些代價(jia)，但換來的是增強了企業和職工(gong)的安(an)全意(yi)識(shi)，這將對企業預防(fang)事(shi)故發生起(qi)到(dao)良好的促進(jin)作(zuo)用(yong)。

如何購買工傷保險

參(can)(can)(can)保(bao)(bao)(bao)登記(ji)(ji)：用人單位先到工(gong)(gong)傷(shang)保(bao)(bao)(bao)險經辦機構辦理參(can)(can)(can)保(bao)(bao)(bao)登記(ji)(ji)手續，填報(bao)《社會保(bao)(bao)(bao)險登記(ji)(ji)表》、《參(can)(can)(can)加工(gong)(gong)傷(shang)保(bao)(bao)(bao)險人員(yuan)情況(kuang)表》、《工(gong)(gong)傷(shang)保(bao)(bao)(bao)險繳費(fei)申報(bao)核定表》、《參(can)(can)(can)加工(gong)(gong)傷(shang)保(bao)(bao)(bao)險人員(yuan)增減明(ming)細表》。

參保(bao)審核：工(gong)傷保(bao)險經辦機構根(gen)據用人(ren)單(dan)位(wei)提供(gong)的原(yuan)始資料和(he)數據，對用人(ren)單(dan)位(wei)填寫的各類表格(ge)逐項進行審核。

資(zi)料錄入：工傷(shang)保險經(jing)辦機構將用人單(dan)位(wei)報送的(de)基(ji)礎信息錄入電腦，為用人單(dan)位(wei)和個人建立基(ji)礎檔案資(zi)料。

核定保(bao)費(fei)(fei)：工(gong)(gong)傷保(bao)險(xian)經辦機構根據分類行業基準(zhun)(zhun)費(fei)(fei)率(lv)的具體(ti)標準(zhun)(zhun)，確定用(yong)人(ren)(ren)單(dan)(dan)位(wei)的初(chu)次繳費(fei)(fei)費(fei)(fei)率(lv)，然后(hou)乘以用(yong)人(ren)(ren)單(dan)(dan)位(wei)的當期(qi)繳費(fei)(fei)基數(即：上年度(du)職工(gong)(gong)工(gong)(gong)資總額)之積(ji)為用(yong)人(ren)(ren)單(dan)(dan)位(wei)繳納的工(gong)(gong)傷保(bao)險(xian)費(fei)(fei)的數額。新成立的用(yong)人(ren)(ren)單(dan)(dan)位(wei)，按(an)湖(hu)南省上年度(du)職工(gong)(gong)平(ping)均工(gong)(gong)資乘以用(yong)人(ren)(ren)單(dan)(dan)位(wei)職工(gong)(gong)人(ren)(ren)數之積(ji)為當期(qi)繳費(fei)(fei)基數。

參(can)保(bao)(bao)繳(jiao)費(fei)：用人單(dan)(dan)位根據征繳(jiao)股(gu)開(kai)(kai)具的《工傷(shang)保(bao)(bao)險繳(jiao)款(kuan)繳(jiao)費(fei)單(dan)(dan)》，采取直接到經辦機構刷(shua)卡繳(jiao)納(na)、到開(kai)(kai)戶銀行繳(jiao)納(na)等方式繳(jiao)納(na)工傷(shang)保(bao)(bao)險費(fei)后，即形成了(le)工傷(shang)保(bao)(bao)險參(can)保(bao)(bao)關(guan)系。

工傷保險繳費比例

1、不(bu)同(tong)工(gong)傷風(feng)險(xian)類(lei)別(bie)的行(xing)業(ye)(ye)執行(xing)不(bu)同(tong)的工(gong)傷保險(xian)行(xing)業(ye)(ye)基準費(fei)率。各行(xing)業(ye)(ye)工(gong)傷風(feng)險(xian)類(lei)別(bie)對應的全國工(gong)傷保險(xian)行(xing)業(ye)(ye)基準費(fei)率為，一類(lei)至八類(lei)分別(bie)控制在該(gai)行(xing)業(ye)(ye)用人單位(wei)職工(gong)工(gong)資總額的0.2%、0.4%、0.7%、0.9%、1.1%、1.3%、1.6%、1.9%左(zuo)右。

2、通(tong)過費(fei)率浮(fu)(fu)動的辦(ban)法確定每個(ge)行業內的費(fei)率檔次(ci)。一類行業分(fen)為三(san)個(ge)檔次(ci)，即在基準(zhun)費(fei)率的基礎(chu)上(shang)，可(ke)向上(shang)浮(fu)(fu)動至(zhi)120%、150%，二類至(zhi)八類行業分(fen)為五個(ge)檔次(ci)，即在基準(zhun)費(fei)率的基礎(chu)上(shang)，可(ke)分(fen)別向上(shang)浮(fu)(fu)動至(zhi)120%、150%或向下浮(fu)(fu)動至(zhi)80%、50%。

個人購買工傷保險可以嗎

根據目前的規定，個人是不能單獨繳納的，只能作為公司職(zhi)員，由(you)單位統(tong)一繳納工傷(shang)保險(xian)。如果是靈(ling)活就業(ye)人員，沒有單位繳納工傷(shang)保險(xian)的，可以自己(ji)購買商業(ye)意外險(xian)。