Is it necessary to buy social security?

It is necessary to buy social security, because social security can be said to be our basic personal security. Unified management and unified distribution by the relevant state departments can greatly reduce the economic burden of the insured, and the cost of insurance is also low.

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are 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. Social insurance plan is a social insurance fund organized by the government, which forces a certain group to use part of its income as social insurance tax (fee). Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability. In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. Funds are mainly paid by employers and workers themselves. The government gives subsidies and bears the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

1. Features: the objective basis of social insurance is the risks existing in the labor field, and the subject matter of insurance is the individual worker; The subject of social insurance is concrete. Including workers (including their relatives) and employers; Social insurance is compulsory; The purpose of social insurance is to maintain the reproduction of labor force; Insurance funds come from the contributions and financial support of employers and workers. Insurance coverage is limited to employees, excluding other social members. The insurance coverage is limited to all kinds of labor risks, excluding other property, economic and other risks.

2. Function: the function of stabilizing social life, redistributing and promoting social and economic development: First, the social insurance system, as an important tool for demand management, plays an active role in the economy; Second, the effective use of social insurance funds can promote the sustained prosperity of the economy; Third, social security has become the basic condition for enterprises to attract talents. In fact, the more developed the region, the more employees pay attention to social security. Especially in first-tier cities, social security is linked to the qualification of buying a house and a car, which has become an important criterion for job hunting.