What are the five major social insurance risks?

The five risks in social insurance include basic old-age insurance, basic medical insurance, maternity insurance, industrial injury insurance and unemployment insurance. The five risks are interrelated to ensure the work and life of citizens.

I. Definition of social insurance:

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons.

It is a non-profit social security system with the function of income redistribution, and it is a system in which most members of society are forced to participate in order to prevent and share social risks such as old age, unemployment, illness and death and realize social security.

Two, the classification of social insurance is as follows:

1. Basic old-age insurance (1) (paid jointly by employers and individuals * * *)

The basic old-age insurance is a social insurance system established and implemented by the state according to laws and regulations. Under this system, employers and workers must pay endowment insurance premiums according to law. After workers reach the retirement age stipulated by the state or quit their jobs for other reasons, social insurance agencies shall pay them pensions and other benefits according to law to ensure their basic livelihood.

2. Basic medical insurance (2) (jointly paid by employers and individuals)

Basic medical insurance is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment.

3.(3) Work-related injury insurance (paid by the unit and not paid by the individual)

Industrial injury insurance refers to a social insurance system in which workers or their survivors suffer accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent loss of working ability and death, and the state and society provide material assistance.

4. Unemployment insurance (4) (paid jointly by employers and individuals)

Unemployment insurance refers to the system that the state enforces it through legislation and the society sets up a fund to provide material assistance to workers who have temporarily stopped their livelihood because of unemployment. It is an important part of the social security system and one of the main items of social insurance.

5. Maternity insurance (5) (paid by employers, but not by individuals)

Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and pregnant female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers.

China's maternity insurance benefits mainly include two items: one is maternity allowance, and the other is maternity medical care.

Third, citizens should enjoy social insurance benefits.

According to national laws, citizens enjoy social treatment according to law. After a worker establishes a labor relationship with the unit, the unit shall provide social insurance for the worker in accordance with the provisions of the Labor Law, and the expenses of social insurance shall be borne by the employer and the individual.

No unit may delay or refuse employees to apply for social insurance benefits.

Four, social insurance purchase, there are units to buy and individuals to buy.

The purchase of social insurance is mainly divided into units and individuals (individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees):

1. Company purchase requires enterprises to establish social security accounts in social security departments and local tax departments. The person in charge of the enterprise needs to collect a copy of the employee's resident ID card and affix the official seal, bring the original social security of the enterprise, and go to the local social security application unit to fill in the membership increase form (personnel change application form) related to the social security agency to increase employees.

2 individual purchase, citizens without employees, individual industrial and commercial households, etc. , you can take the original household registration book, the original ID card and other materials to the local social security agency for personal insurance, but you can't participate in work injury insurance and maternity insurance.

Maternity insurance and work-related injury insurance are compulsory insurance of the unit, which can only be purchased by the unit, not by the individual.

Reference data

Article 10 of People's Republic of China (PRC) Social Insurance Law.

Article 23 of People's Republic of China (PRC) Social Insurance Law.

Article 33 of People's Republic of China (PRC) Social Insurance Law.

Article 44 of People's Republic of China (PRC) Social Insurance Law.

Article 54 of the Social Insurance Law of People's Republic of China (PRC).