Can social security be used in any social health center?

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.

There are only two kinds of social insurance paid by individuals: endowment insurance and medical insurance. According to the regulations, flexible employees voluntarily participate in basic medical insurance and basic old-age insurance in their own names, and are not included in the scope of those who participate in unemployment, work injury and maternity insurance.

It is compulsory for a company to pay social security for its employees. Article 72 of the Labor Law of People's Republic of China (PRC) stipulates that the social insurance fund shall determine the source of funds according to the types of insurance, and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

Extended data

The complete accumulation system is a financial system that determines an average rate that can ensure the balance of payments in a long period of time after long-term calculation of the related factors that affect the rate, and forms a social insurance fund with all the insurance premiums (taxes) collected.

This financial system is widely used in the personal account plan of endowment insurance under the framework of enterprise annuity system and social insurance system. The most obvious advantage of this system is that due to the accumulation of funds, the insurance premium rate can remain relatively stable in the case of an aging population. But this advantage is based on the premise that the fund's rate of return is higher than the wage growth rate.

The defects of this system are also obvious, and the system needs a higher rate at the initial stage of operation; The fund is under great pressure from inflation. If the fund is used properly, not only the social insurance system will benefit from it, but also the whole economy will benefit from the effective allocation of the fund. On the other hand, if the fund can't maintain and increase its value, the cost of this system is higher than the pay-as-you-go system.

Partial accumulation system is a mixture of pay-as-you-go system and complete accumulation system. At first, its rate was higher than the pay-as-you-go system and lower than the full accumulation system. In terms of reserves, it will be higher than the pay-as-you-go system and lower than the total accumulation system.

This system is to find a middle way to meet the aging population and the initial high premium system. The usual practice is to accumulate a small part of the premium paid by the original pay-as-you-go system in the personal account system, or increase the rate on the basis of the original system and accumulate all the incremental parts in the personal account system. This system also faces the problems of fund management and value preservation and appreciation.

References:

Baidu encyclopedia-social insurance