Don't you need social security during the epidemic?

Social security still has to be paid during the epidemic, but there are certain preferential policies. During the epidemic, the social security assistance policy is briefly described as follows:

At the end of February 2020, the Ministry of Human Resources and Social Security of China has issued a notice on enterprise social security relief. This heavy move can not only protect the present, but also protect the long term. Through policy support, domestic small and medium-sized enterprises can survive, indirectly benefit from ordinary employees, and can receive wages normally without worrying about unemployment.

I. Contents of social security assistance during the epidemic:

(1) There are mainly three social security relief projects: pension, work injury and unemployment;

(2) Type of relief: domestic small and medium-sized enterprises are free from February to June (including large enterprises in Hubei Province), and large enterprises outside Hubei Province are levied by half from February to April;

(3) Personal social security: During the epidemic period, personal social security is required to be paid, while employee social security is still normal and deducted every month. Because flexible employees don't hang up their units, the capital turnover is ineffective. In some places, replacement may be considered within 3 years after the epidemic, but the reduction is inevitable.

Third, the necessity of buying insurance during the epidemic.

The epidemic situation is a very special period. Although novel coronavirus patients are treated by the state, commercial medical insurance is redundant in the eyes of many people. Now that the country has covered the whole story, it has no commercial value. Therefore, people are questioning the necessity of buying insurance during the epidemic.

Here can be divided into two to look at this problem:

1. Death caused by new pneumonia: The national medical insurance only covers the medical expenses caused by pneumonia, and if it is not for job reasons (doctors, nurses, office workers related to the epidemic, people traveling in high-epidemic areas), death is not guaranteed. If the breadwinner of the family dies and the family loses relatives and financial resources, we can solve the problems of car loan, children's education and parents' pension through valuable term life insurance and critical illness insurance.

2. Serious diseases caused by new pneumonia: the types of serious diseases caused by novel coronavirus (such as 72-hour coma and organ failure). ) can be insured in critical illness insurance, and the basic insurance amount can also be paid directly.

3. Free epidemic insurance: it's good to be guaranteed without spending money. For example, the new pneumonia protection of WeChat micro-insurance and the worry-free protection of Shuidibao Mall can not only guarantee the price protection brought by the new type of coronary pneumonia, but also provide hospitalization allowance for light and severe infectious diseases, which is still acceptable. I suggest you get a free copy.

That is how to reduce social security during the epidemic, whether to pay the personal part, and whether it is necessary to buy insurance during the epidemic. Free insurance is very good, but in the long run, it is still necessary to supplement health protection through millions of medical insurance and critical illness insurance. Therefore, in the process of insurance, if you encounter problems, you can find a professional insurance consultant to guide you to buy the wrong insurance products, so as not to waste money.