What are the five kinds of social insurance in China at present?

Social insurance mainly includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The role of social security varies according to different types of insurance. For example, medical insurance is mainly responsible for reimbursement of some major medical diseases, industrial injury insurance is mainly responsible for reimbursement of related expenses of employees' industrial injuries, and maternity insurance mainly compensates female employees for maternity medical expenses.

1. Medical insurance: paid by the company and individual employees. The payment base is multiplied by the prescribed proportion to pay medical insurance premiums. The payment base is the average monthly salary of employees before tax in the previous year, and most of the expenses are borne by the company, and individuals only need to bear a part. The expenses paid by the company will be included in the overall fund, and the rest will be included in the personal account. Hospitalization is reimbursed by social pooling funds, and general pharmacies can use personal accounts to buy medicines.

2. Work-related injury insurance: All expenses are borne by the company, and employees do not need to pay. The purpose of industrial injury insurance is that employees can apply for industrial injury insurance for compensation if they are injured in the course of work or get occupational diseases in specific positions.

3. Unemployment insurance: If employees are forced to lose their jobs, they can apply for unemployment insurance at the local social security bureau. After the application is successful, employees can receive monthly subsidies if they can't find any income at work, but they must meet the conditions.

4. Maternity insurance: it is also paid by the company, and the main target is of course female employees in the workplace. Girls can pay maternity allowance during maternity leave to medical expenses incurred during childbirth.

5. Old-age insurance: After reaching the statutory retirement age, you can receive a monthly pension according to the total amount and years of accumulated social insurance, which will be shared by the old-age insurance companies and individuals and paid in proportion.

Social insurance mainly includes five types.

1, old-age insurance: that is, when workers lose their ability to work due to old age, they pay their living expenses and take care of their lives during the old-age period.

2. Medical insurance: that is, the safeguard measures for medical care and nursing during the illness of workers.

3. Unemployment insurance: that is, to pay the living expenses and medical expenses of workers during unemployment, as well as safeguard measures such as job-changing training, self-help in production and job introduction.

4. Work-related injury insurance: that is, it compensates the wages of workers who are injured at work and temporarily or permanently lose their ability to work, and it is also a medical care and life care measure for workers who are injured at work.

5. Maternity insurance: the protection of female employees during childbirth and the treatment that their families can enjoy.

6. Major illness co-ordination: Some provinces and cities will set up major illness co-ordination insurance in co-ordination areas to subsidize employees' hospitalization for major illness. In some places, the maximum subsidy amount can reach 200,000.

7. Housing accumulation fund: Social security payment service usually includes the payment service of housing accumulation fund.

Legal basis:

People's Republic of China (PRC) social insurance law

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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 get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 64

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.