Scope and content of social security

1. What is the content of social security?

1, social security includes:

(1) Old-age insurance can guarantee the basic needs of the elderly;

(2) Unemployment insurance can provide material help for workers who temporarily lose their livelihood because of unemployment;

(3) Medical insurance, the average individual only bears 40% of the medical expenses, and 60% is borne by the medical insurance department;

(4) Industrial injury insurance is generally paid by the unit;

(5) Maternity insurance. General male workers should also participate in maternity insurance.

2. Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes 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 accordance with the law when they are old, sick, injured, unemployed and have children.

2. What are the main differences between social insurance and commercial insurance?

1, achieving different purposes. Social security is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit;

2, the implementation is different. Social insurance is compulsory according to national legislation, while commercial insurance follows the principle of "freedom of contract" and is voluntarily insured by enterprises and individuals;

3. The subject and object of implementation are different. Social insurance is raised, managed and distributed by special institutions set up by the state, targeting social members within the legal scope; Commercial insurance is managed by insurance companies, and the applicant can be anyone who meets the underwriting conditions;

4. Different protection levels. Social insurance provides the most basic protection for the insured, which is higher than the social poverty line and lower than 50% of the average social wage, with a low degree of protection; The level of protection provided by commercial insurance depends entirely on the agreement of both parties and the amount of premium paid by the insured. As long as the insured meets the insurance conditions and has a certain ability to pay, he can get a high level of protection.