Although construction accidental insurance (CAI) is mandatory in China, the really holding rate is under 30%. The reason of low purchasing rate and deficiencies of CAI remain unexplored. Our analysis shows employment size, the attitude of the proprietors and turbulence of the business cycle influence the prevalence of CAI. The deficiencies of CAI result in inefficient protection for farmer-labors. Compared to the deficiencies of CAI, Construction Multiemployer Health Insurance (CMHI) is an efficient and effective way to provide security for farmer-labors. It can stimulate the holding of health insurance by exploiting cross-firm economies of scale in the purchase of health insurance services. And multiemployer health insurance contain cross-employer portable health benefits that do not require second probation period when labor enroll another employer after leaving , at the same time it cover spells of unemployment. Additionally, construction multiemployer health insurance is a beneficial supplement for the construction accident insurance in China.
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