What is social security? What types of insurance are mainly included? What's the use? How to use it?

1. Social insurance refers to a social and economic system that provides income or compensation for people who are unable to work, 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.

Second, the application of social security:

1. Old-age insurance: Employees who have reached the statutory retirement age and have paid personal contributions for 15 years can receive their pensions on time every month.

2. Medical insurance: insured employees can be reimbursed for hospitalization, special chronic disease outpatient service, rescue and first aid. Medical expenses that meet the requirements above the minimum threshold of basic medical insurance and below the maximum payment limit, among which individuals should also bear a certain proportion of expenses according to regulations.

Personal account funds are mainly used to pay the expenses of the insured for medical treatment and drug purchase in designated medical institutions and retail pharmacies. The part of the personal account that is exhausted or insufficient is paid by the insured in cash, and the personal account can be carried forward and inherited according to law. Insured employees are hospitalized due to illness, first pay the hospitalization deductible line, and then enter the overall fund and individual employee payment period.

3. Work-related injury insurance: The state and society will provide necessary material assistance to the dependent relatives of the disabled or dead workers after the workers are accidentally injured due to work reasons or occupational diseases caused by exposure to occupational hazards such as dust, radiation and toxic substances.

4. Unemployment insurance: the insured country will provide material assistance to workers who are unemployed and temporarily interrupt their livelihood.

5. Maternity insurance: according to the law, when a working woman gives birth to a child, which causes the worker to temporarily stop working and lose the normal income source, the material help provided by the state or society. Maternity insurance benefits include maternity allowance and maternity medical services.

Extended data

Other functions of social security

First, apply for settlement.

1. The threshold for the settlement of points is Guangzhou Social Security, which needs to be paid for four years. Provincial social security can also be settled in points, provided that you have to pay Guangzhou social security for 4 years, and then rank according to medical insurance and residence permit years. Employment (entrepreneurship) in Guangzhou and participation in urban basic old-age insurance, social medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, for every full year 1 year, the cumulative amount of various types of insurance 1 minute.

2. The requirement for academic qualifications is that you have social security in Guangzhou for more than 1 year. Fresh graduates do not need to provide social security; I have been graded as a cadre and only need to provide social security for more than half a year.

3. The first-level and second-level skills are required to have social security in Guangzhou for more than 1 year, and the third-level skills are required to have social security in Guangzhou for more than 2 years.

Second, apply for a house.

According to the Notice of Guangzhou Municipal Government on Further Improving the Policy of Stable and Healthy Development of Guangzhou's Real Estate Market in March 17, households with non-local household registration are restricted from purchasing (including donations) 1 apartment in Conghua and Zengcheng. In the urban area where the purchase is restricted, it is necessary to provide the personal income tax payment certificate or social insurance payment certificate for five consecutive years in this city before the date of purchase online signing, and the purchase is restricted to 1 house.

In addition, it is not allowed to buy a house by paying personal income tax payment certificate or social insurance payment certificate.

Third, apply for points admission

Each child has only one chance to apply for points admission. As long as these four basic conditions are met, you can apply. Please note that the entry requirements for points in each region will be different:

1. The applicant has applied in the application area and holds a valid residence permit in Guangdong Province 1 year.

2. Pay social insurance premiums (one of the types of insurance) in Guangzhou according to law.

3. Have a legal and stable residence in the application area.

4. Applicants need to have stable employment or start a business.

Of course, meeting these four conditions is only the threshold for application. Whether you pass or not depends on your final score competition.

Baidu encyclopedia-social insurance