What basic insurance do you cover?

Social security includes basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, which are collectively referred to as five insurances and are national statutory insurance. Old-age insurance, medical insurance and unemployment insurance are all premiums paid by enterprises and individuals, and the proportion to be paid is as follows: (1) Basic old-age insurance: the proportion paid by enterprises is generally about 20% of the total wages of enterprises, all of which are included in the social pooling fund. The employee's contribution rate is 8% of his salary, all of which are included in his personal account. (2) Basic medical insurance: Employers generally pay about 6% of employees' total wages, and individuals pay about 2% of their own 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. Industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay fees. The explanation is as follows: (1) Work-related injury insurance: Work-related injury insurance premium is paid by the enterprise, and the industry differential rate is implemented. The collection standard is the total wages of all employees of the enterprise multiplied by the industry differential rate. At present, the average industrial injury insurance premium rate generally does not exceed 1%. (2) Maternity insurance: The maternity insurance premium paid by the enterprise shall not exceed 1% of the total wages. Social security can be transferred back and continue to pay by itself. If the company does not provide maternity insurance, you can consider changing to a company that can provide five insurances, or you can buy insurance in advance.

Legal objectivity:

"Road Traffic Safety Law of the People's Republic of China" Article 17 The state implements a compulsory motor vehicle third-party liability insurance system and establishes a social assistance fund for road traffic accidents. Specific measures shall be formulated by the State Council. Article 75 of the Road Traffic Safety Law of the People's Republic of China, medical institutions shall promptly rescue the injured in traffic accidents, and shall not delay the treatment because the rescue expenses are not paid in time. If the vehicle involved in the accident participates in compulsory motor vehicle third-party liability insurance, the insurance company shall pay the rescue expenses within the liability limit; Rescue expenses exceed the liability limit, and did not participate in compulsory motor vehicle third-party liability insurance or escape after the accident, the road traffic accident social assistance fund shall advance part or all of the rescue expenses, and the road traffic accident social assistance fund management institution has the right to recover from the person responsible for the traffic accident.