Regardless of whether the insurance policy purchased has a third-party deductible or not, as long as the employee has one of the following circumstances, it shall be recognized as work-related injury:
（1） Injuries caused by accidents during working hours and in the workplace;
（2） Those who are injured by accidents while engaged in preparatory or finishing work related to work in the workplace before and after working hours;
（3） Accidental injuries such as violence during working hours and in the workplace due to the performance of work duties;
（4） Suffering from occupational diseases;
（5） Injured due to work or missing due to accident during the period of going out for work;
（6） On the way to and from work, he is injured by a traffic accident for which he is not primarily responsible or an urban rail transit, passenger ferry or train accident;
（7） Other circumstances that shall be recognized as work-related injuries according to laws and administrative regulations.
Legal basis
Article 14 of the Regulations on Industrial Injury Insurance shall be deemed as industrial injury if an employee has one of the following circumstances: (1) being injured due to an accident during working hours and in the workplace; （2） Those who are injured by accidents while engaged in preparatory or finishing work related to work in the workplace before and after working hours; （3） Accidental injuries such as violence during working hours and in the workplace due to the performance of work duties; （4） Suffering from occupational diseases; （5） Injured due to work or missing due to accident during the period of going out for work; （6） On the way to and from work, he is injured by a traffic accident for which he is not primarily responsible or an urban rail transit, passenger ferry or train accident; （7） Other circumstances that shall be recognized as work-related injuries according to laws and administrative regulations.
