How do construction workers buy social security?

Accident insurance is the most needed insurance for site workers. At present, the state stipulates that construction units need to buy accident insurance for construction workers who sign labor contracts. There are two types of accident insurance for construction workers: individuals and groups. Group accident insurance for construction workers is purchased by enterprises. Secondly, we should consider buying health insurance and endowment insurance.

First of all, construction workers are at greater risk of accidents when working on the site, so construction workers should give priority to personal accident insurance when purchasing insurance. Construction workers had better find out whether there is such a policy in their place and ask their employers to buy group accident insurance for themselves. It is worth noting that accident insurance has very strict requirements for occupations. Construction workers belong to high-risk occupational groups, and ordinary accident insurance generally refuses insurance, so it is necessary to pay attention to high-risk occupational accident insurance.

Secondly, the labor intensity of construction workers is high, and long-term overwork can easily lead to various diseases, so construction workers should pay second attention to health protection when purchasing insurance. Construction workers should pay special attention to hospitalization insurance when purchasing health insurance, and it is best to have hospitalization allowance when purchasing insurance, which can provide additional economic compensation for hospitalization expenses. In addition, considering that serious illness will bring huge financial crisis to individuals and families, and China's social security has not covered serious illness, construction workers should pay attention to the protection of serious illness when purchasing health insurance. Whether they enjoy social security or not, the amount of serious illness insurance is recommended to be more than 654.38+10,000 yuan.

Finally, the old-age security of construction workers has always been the focus of social attention. Considering the low conversion rate of social endowment insurance in China, construction workers need to buy commercial endowment insurance with sufficient basic guarantee whether they enjoy social endowment insurance or not, so as to improve the quality of life of the elderly. Generally, you can freely choose the way and time to receive commercial endowment insurance, but no matter when and how you receive it, you must ensure that you receive it for at least 20 years or until you are 85 years old, and the longer you can receive it, the better, so as to facilitate construction workers to live a high-quality old age. In terms of payment methods, commercial endowment insurance generally has the choice of wholesale payment, 3 years, 5 years, 10 years, 20 years and so on. It is suggested that the construction personnel extend the payment time appropriately to alleviate the pressure of each payment.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.