What insurance does personal social security include?

There are two kinds of social security, the first is employee social security, which is also commonly known as five insurances. Including medical insurance, endowment insurance, maternity insurance, unemployment insurance and industrial injury insurance. Second, social security for residents, including medical insurance and endowment insurance, such as endowment insurance for urban and rural residents and medical insurance for urban and rural residents.

Medical insurance in social security can reimburse medical expenses incurred by general medical care; Endowment insurance, you can receive pension after retirement; The biggest function of maternity insurance is to reimburse the cost of giving birth to a baby and receive maternity allowance when taking maternity leave; Work-related injury insurance can reimburse expenses incurred due to work-related injuries; Finally, unemployment insurance, medical insurance during unemployment can be reimbursed for normal medical treatment without paying. Individuals sign agency contracts with human resources agency companies, submit relevant materials, and pay social security fees and service fees. (Social insurance premium: composed of enterprise payment part and individual payment part), which is purchased by the unit to which the individual belongs, and the total social insurance premium is paid by the individual. The agency pays social security fees for individuals on a monthly basis. Individuals can inquire about the details of the social security they have purchased and get the social security card the following month (before). People who need to buy social security from affiliated units: freelancers, entrepreneurs, flexible employees, temporarily unemployed or short-term workers.

What's the difference between social security bought by individuals and that bought by companies?

The insurance scope of the two is different: employee social security is what we usually call five insurances and one gold, which generally includes endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance. Among them, only old-age medical care and unemployment insurance require individual contributions, and the rest are paid by enterprises. Flexible employment insurance generally has only three insurances, namely, endowment insurance, medical insurance and unemployment insurance. There is no industrial injury insurance and maternity insurance. Both of them determine the payment base according to the average social wage of last year, but most of the social security expenses of urban workers' social security are borne by the company, and the proportion of individual contributions is generally about 10% of wages. However, because there is no company to bear the cost, the proportion of flexible employees can reach about 20% of the payment base.

Legal basis:

Article 2 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the state shall establish social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in case of old age, illness, industrial injury, unemployment and maternity.