Does the school pay social security?

The insurance premium paid at school is not social insurance, but academic insurance, which belongs to a kind of commercial insurance.

The insurance premiums paid by schools are often voluntarily insured by students when they enter school. The insurance premium is collected by the school, and the insured can get a number of guarantees including accidental injury, accidental injury medical treatment and hospitalization medical treatment by paying tens of yuan. It is the most extensive and universal insurance for children. Its biggest feature is its low premium and wide coverage, which is more suitable for underage students.

There are differences between social insurance and commercial insurance:

1, achieving different purposes. Social security is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit;

2, the implementation is different. Social insurance is compulsory according to national legislation, while commercial insurance follows the principle of "freedom of contract" and is voluntarily insured by enterprises and individuals;

3. The subject and object of implementation are different. Social insurance is raised, managed and distributed by special institutions set up by the state, targeting social members within the legal scope; Commercial insurance is managed by insurance companies, and the applicant can be anyone who meets the underwriting conditions;

4. Different protection levels. Social insurance provides the most basic protection for the insured, which is higher than the social poverty line and lower than 50% of the average social wage, with a low degree of protection; The level of protection provided by commercial insurance depends entirely on the agreement of both parties and the amount of premium paid by the insured. As long as the insured meets the insurance conditions and has a certain ability to pay, he can get a high level of protection.

Extended data

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

The full name of Xue Ping Insurance is "Ping An Insurance for Primary and Secondary School Students", which belongs to personal accident insurance and is also a group insurance, aiming at the characteristics of primary and secondary school students. Generally, all insurance companies have their own academic insurance clauses, and each company's clauses will have some differences in insurance liability, insurance amount and compensation clauses. What is shown below is just a clause. Be sure to read the insurance clauses of the insurance company carefully when you apply for insurance.

Baidu Encyclopedia-Xue Ping Insurance

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