Five insurances are included in the national social insurance system.

Legal analysis: China's basic social insurance system mainly includes the following points:

1, old-age insurance, old-age insurance is a social insurance system that the government and society give certain economic compensation, material help and services to workers after they reach the statutory retirement age. State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, institutions and their employees who implement enterprise management must participate in the basic old-age insurance.

2. Medical insurance, that is, the basic medical insurance system for urban employees, is a social insurance system established according to the affordability of finance, enterprises and individuals to ensure the basic medical needs of employees.

All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees must participate in the basic medical insurance. The basic medical insurance fund for urban workers consists of the basic medical insurance social pooling fund and individual accounts. The basic medical insurance premium consists of the employer and the employee's personal account.

3. Industrial injury insurance, also known as occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased.

Work-related injury insurance premiums are paid by employers, and the collection rate of work-related injury insurance premiums in industries with high incidence of work-related injuries is higher than the general standard. On the one hand, it is to ensure that the industrial injury insurance fund can fully pay the industrial injury insurance benefits of employees in these industries. On the other hand, through the collection of high rates, enterprises can have a sense of risk, strengthen the prevention of work-related injuries and reduce the casualty rate.

4. Unemployment insurance. Unemployment insurance is a system enforced by the state through legislation and established by the society to provide material assistance to workers who have temporarily stopped their livelihood because of unemployment. All kinds of enterprises and their employees, institutions and their employees, social organizations and their employees, private non-enterprise units and their employees, and employees with whom state organs have established labor contracts shall apply for unemployment insurance.

The unemployment insurance fund is mainly used to guarantee the basic livelihood of the unemployed. Urban enterprises, institutions, social organizations and private non-enterprise units pay unemployment insurance premiums at 2% of the total wages, and their employees pay unemployment insurance premiums at 1% of their wages. Units without fixed wages pay unemployment insurance premiums based on the average social wage in the last year in the overall planning area. The unit employs contract workers of farmers and herdsmen who do not pay unemployment insurance premiums.

5. Maternity insurance. Maternity insurance is aimed at the physiological characteristics of fertility behavior. According to the law, when working women temporarily stop working and lose their normal source of income due to childbirth, the state or society provides them with material help. Maternity insurance benefits include maternity allowance and maternity medical services.

The maternity insurance fund consists of the maternity insurance premium paid by the employer and its interest and overdue fine. Maternity allowance for female employees during maternity leave, medical expenses incurred during childbirth, family planning operation expenses for employees and other expenses related to maternity insurance stipulated by the state shall be paid from the maternity insurance fund.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. To ensure citizens' right to receive material assistance from the state and society in accordance with the law in cases of old age, illness, work injury, unemployment and maternity.