What are the four major risks in social security?

Four insurances refer to four social insurances: endowment insurance, medical insurance, industrial injury insurance and unemployment insurance.

Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued a notice, once again clarifying that maternity insurance and basic medical insurance will be merged. "Five insurances and one gold" changed to "four insurances and one gold".

1. Old-age insurance: This kind of insurance is set up to protect the basic needs of workers who lose their ability to work and quit their jobs because of old age.

The main contents are: retirement conditions; Retirement and post-retirement treatment; Funeral expenses, subsidies, pension expenses after death, and relief expenses for supporting immediate family members.

2. Unemployment insurance: This kind of insurance is set up to ensure that workers can find basic living needs during their work.

The main contents include unemployment benefits, living allowances during unemployment and medical expenses. In western countries, the period for unemployed people to enjoy unemployment insurance is generally 26 weeks to one year. Conditions of enjoyment: Must be involuntary unemployment.

3. Medical insurance: This insurance is established to protect the basic needs of workers when they temporarily or permanently lose their ability to work during illness or non-work-related injuries.

The main contents include: wages, medical expenses, hospitalization expenses, medical expenses for supporting immediate family members, etc.

4. Work-related injury insurance: or work-related injury and disability insurance. This insurance is established to protect the basic needs of workers in case of physical injury, disability due to illness or injury, and temporary or permanent incapacity to work. Generally, it can be divided into two types: work-related disability and occupational disease.

5. Maternity insurance: This insurance is established to protect the basic needs of female workers who temporarily lose their ability to work during childbirth. The contents include maternity leave, wages during maternity leave, maternity medical expenses, etc.

How to do a good job in commercial endowment insurance depends on your own situation.

1. One-time payment: In fact, we need to make it clear that if we directly choose to pay all the premiums in one lump sum when allocating commercial endowment insurance, we can not only avoid the trouble of paying the premiums regularly every year, especially if we forget to pay the premiums, but also avoid the situation that there is no money to pay the premiums in the future.

Of course, more importantly, commercial endowment insurance will have certain benefits, and if the premium is paid in one lump sum, the final benefits will be more. However, we can't ignore that the premium of commercial endowment insurance will be relatively high, and most people may not have much money, or choosing to pay in one lump sum will cause some pressure. At this time, we suggest that you try to choose the payment by installment.

2. Installment payment: 10 According to the actual situation, most people will inevitably choose the method of installment payment when handling commercial endowment insurance, because this operation will not bring too much pressure to themselves, and installment payment seems to cost more than one-time payment of insurance premiums, but considering the current inflation rate of nearly 6% every year in China, the final payment may not exceed one-time payment.

The insured needs to know what the starting point of buying commercial endowment insurance is, and it is used for providing for the aged. That is to say, pursue stability and don't choose aggressive products with high returns and high risks, so that you can abandon the benefits of commercial endowment insurance and choose according to your personal financial situation.

Legal basis:

People's Republic of China (PRC) social insurance law

Tenth employees should participate in the basic old-age insurance, the basic old-age insurance premiums paid by the employer and employees. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.