When did the social security insurance purchased by the company start?

If you can learn some basic insurance knowledge, it will not be a bad thing for everyone. If you don't mind, shall we learn some basic insurance knowledge now?

Buying insurance is an effective way to avoid personal risks and establish a personal security system. It is also a way of managing money. If you want to manage your money correctly in this way, you must learn and understand some basic knowledge of insurance. If people follow the trend, or take it for granted to buy insurance products, the result may be counterproductive, which will not only make you spend money on products that you don't necessarily need, but also make you worry for a long time, even for life.

Insurance is divided into social insurance and commercial insurance.

Social insurance is statutory insurance, which can also be called policy insurance. It is an insurance implemented and managed by the state administrative department by administrative means according to the law. All working or self-employed adults must take out insurance. Can provide economic security for the insured within the scope of basic medical insurance, basic endowment insurance, work injury insurance, unemployment insurance and maternity insurance. Because social insurance is a government act, it is mandatory. Employers (or institutions) should sign labor contracts when hiring employees, and employers (or institutions) should handle social insurance for employees, which is the social responsibility and obligation of employers. It is illegal for a company not to provide social security for its employees. After mastering the relevant evidence, you can complain to the local labor inspection brigade. You can also ask the local media for help and expose the illegal behavior of those bad bosses.

Individuals can participate in social security as freelancers at their registered permanent residence (at least this is the current policy), and then they have to fulfill their obligations of timely, full and continuous payment. Insured people can get relevant economic security when they encounter the above problems of basic medical care, basic old-age care and maternity insurance.

Social security emphasizes social equity (only one for each insured person), and its basic principles are: low level and wide coverage. Promise, no promise. Therefore, its degree of protection can not fully meet individual needs, and it needs commercial insurance to supplement it.

Commercial insurance: it is an insurance that gathers the strength of the society (the insured) and provides due economic security for a few insured people when they encounter certain personal risks (such as major diseases, accidental injuries, medical health, etc.). ). Buying commercial insurance is a commercial activity, which should be purchased according to personal needs and personal economic ability to pay. Since it is commercial insurance, it has a strong commercial color and is a supplement to social insurance. Commercial insurance emphasizes personal fairness (buying according to one's own needs and economic ability, buying more and insuring more, buying less and insuring less, and not buying, there is no guarantee), and its positioning should be: the supplement of social insurance. The principle of purchase is: voluntary principle.

The common feature of these two kinds of insurance is to provide a certain degree of economic security for the insured. Social security must be bought because there are certain benefits. As for whether to buy commercial insurance? What kind of insurance do you need most? How much to buy? That depends on your own needs and economic ability to pay.

Buying insurance means buying protection, and protection is what everyone needs. If you don't even need social security, it is estimated that you are either surprisingly ignorant of social security, or you already have enough financial security to deal with all life risks.

Wake up, I still work in Shenzhen, how come I don't even know about social security? To be a modern person, you can't be "insurance blind"! If you are interested, you can go online to find out what social security is for.

I wish you take off the hat of "insurance blindness" as soon as possible in the new year!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.