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5. If the deduction fails due to insufficient funds in the account after premium direct deduction has been setup, what should the insured unit do?

After the insured unit has completed the procedure for labor insurance premium direct deduction with a designated financial institution, the premium will be deducted at midnight on the last day of each month (postponed to next business day in case of a holiday). If the account has insufficient funds, a second deduction will be performed before midnight on the 15th day of the following month (postponed to next business day in case of a holiday). The insured unit should prepare enough funds for deduction before the 14th day. If the second deduction fails, the insured unit may download the three-barcode payment slip from BLI’s Chinese website ( and pay off premium within the grace period.


Last Update:2019-08-20