Who will bear the social insurance premium?

Who will bear the social insurance premium? Social insurance premiums are generally borne by the state, the employer and the insured, but the proportion borne by each party is different for different types of insurance.

1. Old-age insurance: enterprise unit: adhere to the principle of combining social pooling with individual accounts, and the insurance premium is shared by the unit and employees. Among them, the proportion of corporate social pooling contributions is about 20% of the total wages of enterprises, and the proportion of individual contributions of employees is 8%. The contribution ratio of freelancers, owners of individual industrial and commercial households in cities and towns, and subsequent payers who terminate labor relations is 20%. Institutions: The regulations on rates vary from region to region, which are specifically approved by social security institutions.

2. Medical insurance: the basic medical insurance is based on the principle of combining social pooling with individual accounts, and the insurance premium is shared by both the employer and the employee. Employers generally pay about 6% of the total wages of employees, and individuals pay 2% of the wages. All individual contributions are included in the personal account, about 30% of the employer's contributions are included in the personal account, and the rest are used to establish the overall fund.

3. Unemployment insurance: The employer pays unemployment insurance premium at 2% of the total wages of the employer, and the employees of the employer pay unemployment insurance premium at 1% of their wages.

4. Work-related injury insurance: Work-related injury insurance premiums are paid by enterprises, and the industry differential rates are implemented. The collection standard is the total wages of all employees of the enterprise multiplied by the industry differential rate, and the average industrial injury insurance rate generally does not exceed 1%.

5. Maternity insurance: The maternity insurance premium paid by the enterprise shall not exceed 1% of the total wages.