Proportion of individual and unit medical insurance payment in Jiangsu Province

Proportion of social security units and individuals in Jiangsu: 20% for pension insurance units and 8% for individuals; Unemployment insurance unit 2% individual1%; 8% for medical insurance units and 2% for individuals; Industrial and commercial insurance units 0.8%, individuals do not pay; Maternity insurance unit 1%, individuals do not pay.

Social insurance refers to a social and economic system that provides income or compensation for people 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.

Features 1: the objective basis of social insurance is the risks existing in the labor field, and the object of insurance is the workers themselves;

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

Feature 3: Social insurance is compulsory;

Feature 4: the purpose of social insurance is to maintain the reproduction of labor force;

Feature 5: The insurance fund comes from the contributions 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.

1. The function of stabilizing social life

2. The function of redistribution

3. The function of promoting social and economic development: First, the social insurance system plays an important role as an important tool for demand management, thus playing an active role in the economy; Second, the effective use of social insurance funds can promote the sustained prosperity of the economy; Third, social security has become the basic condition for enterprises to recruit talents.