What types of insurance does Shanghai social security include?

What insurance does Shanghai Social Security include?

Social security, the abbreviation of social insurance, mainly includes basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, industrial injury insurance and maternity insurance are not paid by the workers themselves, and the expenses are borne by the units.

Each type of insurance in social insurance has its own functions and benefits, and the main categories are as follows: 1. Basic old-age insurance. According to the national regulations, the insured shall pay the minimum fee 15 years, reach the legal age, go through the formalities of receiving the pension, and pay the pension on a monthly basis.

2. Basic medical insurance, that is, basic medical insurance, is mainly to solve the hospitalization of the insured due to illness and non-work-related injuries, and to give a certain proportion of expenses reimbursement to reduce the economic burden of the insured.

3. Unemployment insurance, when the employee is terminated by the unit for various reasons, in the state of unemployment, a certain amount of living allowance is given according to the regulations, also known as unemployment benefits.

4. Work injury insurance. If an employee is injured at work, the industrial injury insurance fund will bear the expenses of the employee's industrial injury treatment and related treatment, thus reducing the burden on enterprises. It is also an important measure to ensure that employees of insured units are not compensated for poor economic benefits of enterprises.

5. Maternity insurance, when employees have children. Subsidies and reimbursement of maternity expenses in accordance with regulations are also to reduce the burden on employees.

Shanghai social security contribution ratio:

The proportion of social security contributions consists of individual contributions and unit contributions. The provisions of social security contributions vary from region to region, and the base is the total wages. Because the payment base and compensation base of the five major social insurance types, such as pension, work-related injury, medical care, maternity and unemployment, are linked to the average salary of employees in the previous year, the increase of the average salary level will bring about the adjustment of various social insurance types.

1. Pension insurance

The average monthly salary of employees above the individual payment is the base (the minimum number is 60% of the annual salary of employees in this city; The highest figure is 8% of the city's employees' wages in the previous year.

The unit payment is paid according to 22% of the employee's average monthly salary in the previous year. From June 5438+1 October1day, 2006, Ministry of Human Resources and Social Security adjusted the size of the individual pension account from11%of my paid salary to 8%. The previous policy was that individual contributions and 3% unit contributions were all included in individual pension accounts, and unit contributions 19% were transferred to social pooling, while the new policy also included 3% of unit contributions in social pooling to solve the problem of empty accounts in pension accounts.

2. Medical insurance

Taking Beijing as an example, the proportion of medical insurance payment: unit 10%, individual 2%+3 yuan;

3. Unemployment insurance

Unit 1%, individual 0.2%;

4. Work injury insurance

According to the industry scope divided by the unit, the work injury rate is determined, and the work injury rate is between 0.5% and 2%;

5. Maternity insurance:

Payment ratio: 0.8% of the unit, and individuals do not pay.

Now everyone knows what insurance Shanghai social security includes, and China social security has covered the whole country, which has a good guarantee for people's basic life. Usually, in case of illness, work injury and other needs, social security can bear part of the expenses for the insured, greatly reducing the economic burden of the insured, and the endowment insurance in social security has a basic guarantee for the insured's retirement life.