What kinds of insurance are included in the social security paid by oneself

Generally individuals pay social security including basic pension insurance, basic medical insurance, unemployment insurance, industrial injury insurance, maternity insurance, collectively known as five insurance, is the national legal insurance. If you are a freelancer for social security contributions, then you can have a choice of two or three, such as pension insurance, medical care must be done, if it is recommended that women also choose maternity insurance. If the company collective contributions, then all five insurance must be paid.

Pension insurance, medical insurance and unemployment insurance, these three kinds of insurance is paid by the enterprise and individual **** with the premiums, each need to pay the proportion of the specific instructions are as follows:

Basic Pension Insurance: the proportion of the enterprise contribution is generally for the enterprise about 20% of the total wages, all into the social pool fund. Employee contributions to the proportion of 8% of their own wages, and all credited to personal accounts. Basic medical insurance: the contribution of the employer is generally about 6% of the employee's gross salary, and the contribution of the individual is 2% of the individual's salary. Individual contributions are all credited to individual accounts, with about 30% of the employer's contribution allocated to individual accounts and the remainder used to establish a comprehensive fund. Unemployment insurance: The employing organization pays 2% of the total wages of the organization for unemployment insurance, and the employees of the employing organization pay 1% of their own wages for unemployment insurance.

Workers' compensation insurance and maternity insurance are entirely borne by the enterprise, and individuals do not need to pay.

Descriptions are as follows:

Workers' compensation insurance: Workers' compensation insurance premiums are paid by the enterprise, and industry-differentiated rates are applied, with the levy standard being the total wages of all employees of the enterprise multiplied by the industry-differentiated rate, and the average rate of the workers' compensation insurance premiums is generally no more than 1% at present.

Maternity insurance: enterprises pay maternity insurance premiums, maternity insurance premiums according to not more than 1% of the total wages. Social security can be transferred back and continue to pay by yourself. If the company does not do maternity insurance, you can consider changing to a company that can provide five insurance, or you can buy your own insurance in advance.

Legal basis:

Article 2 of the Social Insurance Law of the People's Republic of China

The State establishes a social insurance system for basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., and guarantees the right of citizens to obtain material assistance from the State and society according to the law in the event of old age, sickness, industrial injury, unemployment and childbirth. and society in the event of old age, sickness, industrial injury, unemployment or maternity.