What is the proportion of social insurance units and individuals in Changchun?

For different types of social insurance, we implement different collection ratios.

1, endowment insurance

The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period.

2. Medical insurance

The basic medical insurance premium is jointly paid by the employer and individual employees, of which: the employer pays 8% and the individual pays 2%. Part of the medical insurance premium paid by the employer is used to establish a social pooling fund for basic medical insurance, which is mainly used to pay for hospitalization, outpatient service for special chronic diseases, rescue and first aid expenses of insured employees.

3. Unemployment insurance

Urban enterprises, institutions, social organizations and private non-enterprise units pay unemployment insurance premiums at 2% of the total wages, and their employees pay unemployment insurance premiums at 1% of their wages. Units without fixed wages pay unemployment insurance premiums based on the average social wage in the last year in the overall planning area.

4. Maternity insurance

Maternity insurance premium shall be paid by the employer according to 0.7% of the total wages of employees in the previous year.

5. Work injury insurance

Work-related injury insurance premiums are paid by employers, and the collection rate of work-related injury insurance premiums in industries with high incidence of work-related injuries is higher than the general standard. On the one hand, it is to ensure that the industrial injury insurance fund can fully pay the industrial injury insurance benefits of employees in these industries. On the other hand, through the collection of high rates, enterprises can have a sense of risk, strengthen the prevention of work-related injuries and reduce the casualty rate.

Extended data:

Main differences between social insurance and commercial insurance

1, achieving different purposes.

Social security is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit;

2, the implementation is different.

Social insurance is compulsory according to national legislation, while commercial insurance follows the principle of "freedom of contract" and is voluntarily insured by enterprises and individuals;

3. The subject and object of implementation are different.

Social insurance is raised, managed and distributed by special institutions set up by the state, targeting social members within the legal scope; Commercial insurance is managed by insurance companies, and the applicant can be anyone who meets the underwriting conditions;

4. Different protection levels.

Social insurance provides the most basic protection for the insured, which is higher than the social poverty line and lower than 50% of the average social wage, with a low degree of protection; The level of protection provided by commercial insurance depends entirely on the agreement of both parties and the amount of premium paid by the insured. As long as the insured meets the insurance conditions and has a certain ability to pay, he can get a high level of protection.

Baidu encyclopedia-social insurance