Characteristics of German Social Security System in High School History Period

Characteristics of social security system in Germany;

1, medical insurance. The task of German medical insurance is to maintain, restore or improve the health status of the insured. The insured should avoid and overcome diseases and disabilities through conscious healthy lifestyle, disease prevention and rehabilitation. Medical insurance institutions support the insured by explaining, guiding and providing benefits, so that the insured can maintain a healthy living condition. Almost all German nationals have participated in medical insurance, and the uninsured rate is only about 0.3%.

2. Unemployment insurance. The coverage of unemployment insurance is very wide and compulsory, and all those who take part in paid jobs and are receiving vocational skills training are obliged to participate in insurance. Labor promotion and unemployment insurance benefits mainly include: employment guidance, introduction training and introduction work, vocational training subsidies, disabled people's participation in vocational treatment, unemployment insurance and unemployment benefits. In terms of employers, there are: labor market guidance, introduction training and introduction work, wage subsidies for employees with reduced labor ability, training subsidies, etc.

3. Industrial accident insurance. Its task is to prevent industrial accidents and occupational diseases, restore the health and working ability of the insured through treatment and career promotion, and compensate the injured and their survivors by providing cash treatment. The insured are all employees, primary and secondary school students, college students, kindergarten children and people engaged in public welfare undertakings. All expenses of industrial accident insurance shall be borne by the employer. The insurance provides compensation for the necessary expenses of treatment, medical treatment and rehabilitation for victims, and also provides victims' allowance and old-age security when the insured can't work without pay after injury.

4. Nursing insurance. The aging population in Germany has changed the family structure, and the care and nursing of the elderly population has risen from the family level to the social level. Therefore, in 1994, Germany promulgated the nursing insurance law, which stipulated that if the insured's income was below DM 6525, he had to pay the nursing insurance premium of 65438+ 0.7% of the employee's monthly income, which was shared equally by the employer and the employee. If the insured is over 65 years old and needs the care of nursing staff or enters an old-age care institution, most of the expenses can be paid by insurance through relevant procedures.

5. Endowment insurance. Germany's pension insurance is mainly based on statutory pension insurance, supplemented by other forms of pension insurance. The statutory pension insurance covers all workers in Germany, including freelancers and artists. If the monthly income is less than DM 8,700, the statutory pension tax shall be paid at 19.5% of the income, and the employer and employee shall bear 50% respectively. Germany's statutory pension operation adopts the pay-as-you-go model. The pension age is 65, and you can receive a pension equivalent to 70% of your pre-retirement salary.