Belong to the content of social insurance is

The contents of social insurance include: old-age insurance, unemployment insurance, insurance insurance, industrial injury insurance and maternity insurance.

1, pension insurance

Pension insurance is a social insurance system in which workers receive certain financial compensation material help and services from the government and society after they retire at the legal retirement age.

State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, and institutions under enterprise management and their employees must participate in basic pension insurance.

The contribution rate for the new participating units (referring to all types of enterprises) is set at 10%, and the contribution rate for individuals is set at 8%, while individual industrial and commercial enterprises and their employees, flexibly employed persons and other types of persons participating in the insurance in the form of an individual are subject to differential rates according to the number of years they have been contributing. Individual workers who participate in basic pension insurance can contribute as much or as little as they wish within the prescribed limits, and the more they pay, the more they benefit. To receive a monthly pension, an employee must have reached the legal retirement age and have gone through the retirement procedures; the unit and individual have participated in the pension insurance and fulfilled the obligation to contribute to the pension insurance in accordance with the law; and the individual has paid contributions for at least 15 years.

The statutory retirement age for enterprise workers in China is 60 for male workers; 55 for female cadres engaged in management and scientific research, and 50 for female workers. The basic pension consists of a basic pension and an individual account pension. If an employee reaches the statutory retirement age and has made personal contributions for 15 years, the monthly standard of the basic pension is 20% of the average monthly salary of the employees of the previous year in the province (autonomous region, municipality directly under the central government) or city (prefecture). Individual account pension is paid by the individual account fund, the monthly payment standard according to my account storage divided by 120. after the individual account fund is exhausted, by the social coordination fund.

2. Medical insurance

The basic medical insurance system for urban workers is a social insurance system that protects the basic medical needs of workers based on the affordability of finances, enterprises and individuals. 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, are required to participate in the basic medical insurance, the basic medical insurance fund for urban workers consists of the basic medical insurance social coordinating fund and individual accounts. The basic medical insurance premiums are composed of the employer's and employee's individual accounts

The basic medical insurance premiums are paid by both the employer and the individual employee***, of which the employer pays 8% and the individual pays 2%. Part of the medical insurance premiums paid by the employer is used to establish a basic medical insurance fund, which is mainly used to pay for the hospitalization of insured employees and special chronic disease outpatient and rescue, first aid. This fund is mainly used to pay for the medical expenses incurred above the threshold and below the maximum payment limit of the basic medical insurance, of which individuals are also required to bear a certain proportion of the expenses in accordance with the regulations. Individual account funds are mainly used to pay for the insured's expenses in accordance with the regulations for medical treatment and purchase of medicines at designated medical institutions and designated retail pharmacies, and the part of the individual account funds that are exhausted or insufficient shall be paid by the insured in cash, and the individual account can be carried forward for use and inheritance in accordance with the law. Participating employees hospitalized due to illness first self-pay hospitalization threshold, and then into the integrated fund and the employee's personal **** payment section.

Units and individuals participating in basic medical insurance must also participate in large medical insurance and pay the basic medical insurance premiums and large medical insurance premiums in full and on time according to the regulations in order to enjoy the relevant benefits of medical insurance.

3. Workers' compensation insurance

Workers' compensation insurance is also known as occupational injury insurance. After a worker suffers an accidental injury due to and in the course of his work, or suffers an occupational disease caused by exposure to occupational hazards such as dust, radiation, or poisonous substances, the state and society will provide the necessary material assistance to the injured, the disabled, and the deceased's pre-birth dependents. Workers' compensation insurance premiums are paid by the employer, and the collection rate of workers' compensation insurance premiums is higher than the general standard for industries with a high incidence of work-related accidents, on the one hand, in order to ensure that when workers in these industries suffer work-related injuries, the Workers' Compensation Insurance Fund can pay the full amount of work-related insurance benefits to the injured workers; on the other hand, it is through the high rate of collection, so that the enterprises have a sense of risk, and to strengthen the prevention of work-related injuries so that the rate of casualties and injuries will be reduced.

Workers on the work injury insurance, employees hospitalized for treatment of work-related injuries, by the unit in accordance with the unit's business trip meal allowance standard of 70% of the hospital meal allowance; by the medical institutions to issue a certificate, reported to the agency agreed to the injured employee to the coordinated area outside the medical treatment, the required transportation, food and accommodation costs by the unit in accordance with the unit's business trip standard of the employee to reimbursement. In addition, due to the needs of daily life or employment, the injured workers can be fitted with assistive devices such as artificial limbs, orthopedic devices, false eyes, false teeth and wheelchairs as confirmed by the Labor Capacity Appraisal Committee, and the required expenses are paid out of the Work Injury Insurance Fund in accordance with the standards stipulated by the State. The disability allowance, lump-sum disability benefit, living care fee, funeral grant, dependent relative's pension, auxiliary appliances, etc., rehabilitation fee for work injury, and labor capacity appraisal fee of the insured employees with work injury shall be paid from the Work Injury Insurance Fund.

4. Unemployment insurance

Unemployment insurance is a system of providing material assistance to workers whose sources of livelihood have been temporarily interrupted by unemployment through a fund established centrally by society, which is mandatory by the state through legislation. All types of enterprises and their employees, public 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 contract relationships should apply for unemployment insurance. Unemployment insurance funds are mainly used to protect the basic livelihood of the unemployed. Urban enterprises, institutions, social organizations and private non-enterprise units pay unemployment insurance premiums at the rate of 2 per cent of the total wage bill of the unit, and their employees pay unemployment insurance premiums at the rate of 1 per cent of their own wages. Units with no fixed salary pay unemployment insurance premiums based on the average social wage of the previous year in the coordinating area. Units recruiting farmers and herdsmen contract workers do not pay unemployment insurance premiums.

Currently, the scope of China's unemployment insurance employees include: on-the-job workers; on-the-job workers who are not on-the-job workers, such as those who are on leave without pay, on extended leave, on loan, or retired from the workforce; laid-off workers who have been admitted to the re-employment service centers; and other workers who have established a labor relationship with their own units (including temporary workers and rural workers who have established a labor relationship). Unemployed urban enterprises and institutions in accordance with the relevant provisions of the following conditions of unemployed workers can enjoy unemployment insurance: in accordance with the provisions of the unemployment insurance, the unit and the person has been in accordance with the provisions of the obligation to pay contributions for one year, followed by the interruption of employment is not due to the will of the person, and has been registered as unemployed, and have the requirements of job-seeking.

5. Maternity insurance

Maternity insurance is the material assistance provided by the state or society for the physiological characteristics of the act of giving birth, in accordance with the provisions of the law, when the birth of a child by an employed woman leads to the temporary interruption of the worker's work and the loss of the normal source of income. Maternity insurance benefits include both maternity allowances and maternity medical services. The Maternity Insurance Fund consists of the maternity insurance premiums paid by the employer, together with interest and late payment fees. Maternity allowances for female workers during maternity leave, medical expenses incurred in connection with childbirth, the cost of family planning surgery for workers and other expenses related to maternity insurance as stipulated by the State shall be paid out of the Maternity Insurance Fund.

All employing units (including all kinds of organs, social organizations, enterprises, institutions and private non-enterprise units) and their employees are required to participate in maternity insurance. Maternity insurance is paid by the employing unit, and individual employees do not pay maternity insurance premiums. Maternity insurance premiums are paid by the employer at the rate of 0.7% of the total wages of the employees of the employer in the previous year. Employees entitled to maternity insurance benefits must meet the following three conditions: the employer to participate in maternity insurance for more than six months, and paid maternity insurance premiums in full and on time; family planning policy related to the provisions of the birth or abortion; in the city's municipal maternity insurance designated medical service institutions, or approved by the transfer of obstetrics medical service institutions to give birth to or abortion (including spontaneous abortion and induced abortion).

Social insurance is one of the most important components of China's social security system. The subjects of social insurance are specific. Including workers (including their relatives) and employers, the scope of insurance is limited to employees, excluding other members of society. The scope of insurance content is limited to various risks in labor risks. If the employer does not pay social security for the workers in accordance with the law, the workers can apply for arbitration to the arbitration commission.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 2 The State establishes a social insurance system of basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance systems to safeguard the right of citizens to receive material assistance from the State and society in old age, sickness, industrial injury, unemployment and maternity in accordance with the law. and society in cases of old age, sickness, industrial injury, unemployment and maternity, in accordance with the law.

Article 3 The social insurance system adheres to the policy of broad coverage, basic protection, multi-level and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.