Social insurance includes:
1, endowment insurance;
2. Unemployment insurance;
3. Medical insurance;
4. Work injury insurance;
5. Maternity insurance.
There are five kinds of insurance.
The function of social security
1, the function of stabilizing social life
2, the function of redistribution
3. The function of promoting social and economic development: First, the social insurance system plays an important role as an important tool for demand management, thus playing 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 recruit talents.
The difference between paying three gold and five insurances and one gold:
The difference between paying three insurances and one gold lies in the different scope. These three insurances refer to endowment insurance, unemployment insurance and medical insurance, while the five insurances and one fund include medical insurance, endowment insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. In contrast, Sanjin lacks industrial injury insurance. If there are many dangerous factors in the working environment, it is recommended to buy an accident insurance. However, it should be reminded that employees of construction units in China will have work-related injury insurance in the future. If you are a construction worker without work-related injury insurance, you can complain to the local labor bureau. There is also a lack of maternity insurance, which means that these employees cannot enjoy maternity allowance, surgery expenses and other benefits.
Pay three gold standard:
The standard for paying the "three-capital" is not to pay the salary of the current month, but to pay the social security fund according to the monthly payment base of local employees announced by the local labor and social security bureau every year. Take the proportion of payment in a place as an example:
1. The old-age insurance premium is paid at 20% of the payment base, 8% for individuals and 0/2% for companies;
2. The medical insurance premium shall be paid according to the payment base of 10%, 8% for the company and 2% for the individual;
3. Unemployment insurance is paid by individuals 1%, and the company pays 2%.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 9 Trade unions shall safeguard the legitimate rights and interests of employees according to law, and have the right to participate in the research on major social insurance issues, participate in the social insurance supervision committee, and supervise matters related to employees' social insurance rights and interests.
Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.
The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.