What insurance does Hangzhou social security include?

Social security insurance in Hangzhou includes: 1, and endowment insurance. 2. Medical insurance. 3. Unemployment insurance. 4. Work injury insurance. 5. Provident fund. What insurance is included in Hangzhou Social Security is determined according to the laws of China. The accumulation fund in social security generally refers to the housing accumulation fund, and whether to pay the housing accumulation fund can be decided according to the wishes of the insurer.

Social security refers to the state's social security measures for the people, which are mandatory and people can't choose whether to pay according to their own wishes. Social security is mainly aimed at those who are physically disabled or have jobs and provide them with corresponding subsidies. So in Hangzhou, what insurance does Hangzhou social security include? Let me answer for you.

I. Social Security Insurance in Hangzhou

1, endowment insurance

(1) Individual contributions are based on the average monthly salary of employees in the previous year (the minimum is 60% of the salary of employees in the whole city in the previous year; The highest figure is 8% of the city's employees' wages in the previous year.

(2) The unit payment is paid according to 22% of the average monthly salary of the employee in the previous year. From June 65438+1 October1day, 2006, Ministry of Human Resources and Social Security adjusted the size of the individual pension account from 165438+ 0% of my contribution salary to 8%. The previous policy was that individual contributions and 3% unit contributions were all included in individual pension accounts, and unit contributions 19% were transferred to social pooling, while the new policy also included 3% of unit contributions in social pooling to solve the problem of empty accounts in pension accounts.

2. Medical insurance

Taking Beijing as an example, the proportion of medical insurance payment: unit 10%, individual 2%+3 yuan;

3. Unemployment insurance

Unit 1%, individual 0.2%

4. Work injury insurance

According to the industry scope divided by the unit, the work injury rate is determined, and the work injury rate is between 0.5% and 2%; Folding maternity insurance payment ratio: unit 0.8%, individual does not pay.

5. Reserve fund

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing. Since the second half of 2009, Beijing has uniformly stipulated that all employers should pay housing provident fund at 12% of their wages. Units and individuals are 65438+ 02% of salary.

labour law

Article 70 The state develops social insurance undertakings and establishes social insurance systems and social insurance funds, so that workers can get help and compensation in old age, illness, work injury, unemployment and childbirth.

Second, the main features

Five characteristics

1. The objective basis of social insurance is the risks existing in the labor field, and the insurance standard is the worker himself;

2. The subject of social insurance is specific. Including workers (including their relatives) and employers;

3. Social insurance is compulsory;

4. The purpose of social insurance is to maintain the reproduction of labor force;

5. The insurance fund comes from the payment and financial support of employers and workers. Insurance coverage is limited to employees, excluding other social members. The insurance coverage is limited to all kinds of risks in labor risks, excluding other risks such as property and economy. (Some companies don't calculate five insurances and one gold according to employees' actual wages, but set another base to calculate and pay. )

Brief introduction of characteristics

1. Supportability: refers to guaranteeing the basic livelihood of workers.

2. Universality: Social insurance covers all social workers.

3. Mutual assistance: Use the joint efforts of the insured to help a person in danger, help each other and meet emergency needs.

4. Mandatory: Limited by national legislation, employers and employees are required to participate. 5. Welfare: Social insurance is a kind of government behavior, not for profit.

strong function

1, the function of stabilizing social life

2, the function of redistribution

3, the function of promoting social and economic development:

First of all, social insurance system, as an important tool of demand management, plays an active role in the economy.

Second, the effective use of social insurance funds can promote sustained economic prosperity.

Social security is different from other insurances. The risk of social security is relatively small, which effectively guarantees the economic interests of the insurer, and it is universal, and all social workers have to pay it. What insurance is included in Hangzhou Social Security is determined according to the laws of China. The accumulation fund in social security generally refers to the housing accumulation fund, and whether to pay the housing accumulation fund can be decided according to the wishes of the insurer.