What are the five social security insurance?

"Social security five insurance" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and individual **** the same premiums, work injury insurance and maternity insurance is completely borne by the enterprise. Individuals do not need to pay. It is important to note that the "five insurance" is legal.

"Five insurance", the unit and the individual's share of the general is: pension insurance unit to bear 16%, the individual to bear 8%; medical insurance unit to bear 6%, the individual 2%; unemployment insurance unit to bear 2%, the individual 1%; maternity insurance 1% by the unit to bear; industrial injury insurance 0.8% is also by the unit to bear the whole The employee is not responsible for maternity and industrial injury insurance.

In terms of content, social insurance refers to the form of national legislation, to the workers as the object of protection, to the workers of old age, disease, disability, unemployment, death and other special events for the protection of content, to the government mandatory for the implementation of the characteristics of a security system.

The five social security insurance consists of pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance***, which are legally distinguished as follows:

1. Pension insurance

Pension insurance is the insurance that guarantees that we still have money available after retirement. It only requires us to have accumulated 15 years of contributions before retirement, and then we can receive a significant amount of monthly pension after retirement.

2, medical insurance

Medical insurance is to protect us from illness, it can not only reimburse the outpatient fee to the hospital, if you are sick and hospitalized can also be reimbursed a certain percentage of hospitalization, medical expenses. It is the most useful and powerful insurance in the social security, and we usually have the most contact with the insurance.

3, maternity insurance

Maternity insurance, as the name suggests, is to give birth to a child to prepare for the insurance, it can be reimbursed because of the birth of a child to produce maternity medical fees, prenatal and postnatal checkups, birth control surgery costs, etc., and subsidize the birth of part of the economic loss.

4. Worker's Compensation Insurance

Worker's Compensation Insurance is an insurance policy that compensates us or our family members when we lose our ability to work temporarily or permanently due to accidental injuries or occupational diseases during our working life, or even when we die.

5. Unemployment Insurance

Unemployment insurance is to ensure that when we lose our jobs due to bankruptcy or dismissal, we can receive a monthly unemployment benefit, so that we don't have no money to live on.

Social insurance and commercial insurance are two different forms of insurance. We use profitability as a criterion to differentiate insurance into social insurance and commercial insurance. Whether it is profitable or not is the most important criterion for distinguishing these two types of insurance, but if analyzed in detail, there are many differences between them. We can see the characteristics of social insurance from the comparison of social insurance and commercial insurance.

1. Non-profit.

Social insurance is non-profit insurance, which does not aim at making profit but at implementing social policies. Although social insurance in the operation of the need to resort to accurate measurement means, but can not be economic efficiency to determine the social insurance program of the trade-offs and the level of protection of the high and low. If a deficit in social insurance finances affects its operation. The state treasury bears the ultimate responsibility. Commercial insurance is financially independent and self-financing, and the state treasury should not be burdened in any way with its expenditure needs.

2. Compulsory.

Social insurance is compulsory. The so-called mandatory refers to the state through the legislation mandatory implementation, individual workers and their units must participate in accordance with the provisions of the law. Social insurance contribution standards and treatment programs, insurance payment standards, etc., are unified by the state or local government laws and regulations. Individual workers, as insured persons, do not have the right to arbitrarily choose or change whether or not to participate in social insurance, or the items to be covered and the standards of treatment. Compulsoriness is the most important guarantee for the implementation of social insurance. Only in this way can it be ensured that the social insurance fund has a reliable source. Commercial insurance is voluntary, and it follows the principle that whoever is insured is insured, and whoever is not insured is not insured. The design of insurance, the payment of premiums, the length of the insurance period, the size of the insurance liability, and the relationship between rights and obligations are all implemented in accordance with the provisions of the insurance contract. Once the contract is terminated, the insurance liability is eliminated.

3, universal protection.

Social insurance for the members of society has a universal protection responsibility. Regardless of the age of the insured, years of employment, income level and health status, once the loss of working ability or unemployment, the government will provide compensation for loss of income in accordance with the law, in order to protect the basic needs of life, social insurance in addition to cash payments, and usually also provide workers with medical care, disability rehabilitation, vocational training and introduction, activities for the elderly, and other aspects of the service. Protecting the basic living needs of the majority of workers and thereby stabilizing the social order can be said to be the fundamental purpose of implementing social insurance. And commercial insurance is only to participate in the insurance of people to provide reciprocal financial compensation, it can only partially solve the insured temporary, urgent difficulties, to make up for some of their losses, does not have the function of universal protection, and does not have to regulate the level of income, maintain social justice function.

4. The basic reciprocity of rights and obligations.

The payment of social insurance treatment is generally not directly related to individual labor contribution. The beneficiary has to contribute, but its enjoyment is not fully consistent with its contribution. The social insurance distribution system is based on the principle of favoring the low-income class. This is because the same risky accident usually poses a higher threat to low-income workers than to high-income earners. Commercial insurance, on the other hand, strictly follows the principle of reciprocity of rights and obligations, which determines that the enjoyment of the policyholder's rights is based on the premise of "more insurance, less insurance, less insurance, no insurance", that is to say, the insured enjoys the amount of insurance to the extent that the insured whether the policyholder pays the premiums stipulated in the contract in a timely manner, in accordance with the amount of premiums, as well as the length of the insurance period. The length of the insurance period is based on. Once the insurance contract has expired, the insurance liability is terminated and the relationship between rights and obligations no longer exists.