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Explanation of the China Insurance insurance policy relatively easy to understan
2014-09-27 19:19:13   来源:   评论:0 点击:

By looking at the search engine index recently found that there is a lot of people do not understand do not understand the concept of the meaning of five insurance pa...
By looking at the search engine index recently found that there is a lot of people do not understand do not understand the concept of the meaning of five insurance payments, since the discovery by search engines, most of which are long-winded talk about five insurance payments , anyway, I was in no mood to no time After reading the article so complicated, so I put together a plain insurance policy contains the interpretation.

"Five dangerous" refers to the five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;

"A gold" refers to the housing fund.

Which pension insurance, medical insurance and unemployment insurance, three insurance is paid by businesses and individuals premium, industrial injury insurance and maternity insurance is entirely borne by the enterprise. Individuals do not need to pay.

Here to remind you to pay attention to is the "five insurance" is legal, and "a gold" is not legal. So pay attention to ask the employer to pay in the end gave what.

. Pension insurance pension payment ratio: Unit 20% (all assigned to co-ordinate the fund), personal 8% (all assigned to individual accounts)


In general to pay is full 15 years, at the time of retirement to enjoy life to the age of retirement pension, if pay old-age insurance for less than 15 years, that when you retired state will give your personal account pension of 8% all back to you. The unit to pay you 21% go? Countries to units for you to pay 21% money all zoned to the pension fund of the country.

Medical insurance. Medical insurance payment rate: unit 9%, individual 2%+10 element

Monthly pay is 9% for you, your personal monthly pay is around 2% and 10 dollars of pooling, pooling although hospitalization, and that 11% countries each month will make your own 2% to your medical insurance account, if your monthly according to the minimum cardinality of 2000 yuan to pay social security then, 2000 x 2%=40 yuan. Is to give your personal money countries each month, the money can be accumulated direct credit card to buy medicine or in the clinic, the remaining 9% countries take count to the medical pooling funds in.

Unemployment insurance. The unemployment insurance payment proportion: unit 2%, individual 1%.


To make a full year to enjoy, general trading with 2 month to 1 years, with 4 months over 2 years, but a lifetime up to take 24 months. That is to say the contract expires or the company fired, you can follow to get 2 months of unemployment a year proportion to require the company to for you to do, if the company does not give you do you can go to it, a report of a quasi. But if you are the contract did not expire to resign himself to walk, that even if you pay the full 1 years are not entitled to unemployment insurance as long as his resignation, let alone over 1 years, the time is over 10 years of unemployment insurance to quit you won't get a penny.

Occupational injury insurance. The employer each month you pay 0.5%, individuals need not pay; to determine the rate of industrial injury insurance of inductrial injury according to its units are divided the industry scope, between 0.5%~2%

The work-related injury insurance wish to all the world people do not need, need to be reminded that if you work in the time or to work out what had happened, the industrial injury insurance on a useful. But in reality a lot of people trouble do not pay attention to the preservation of evidence, so he can not enjoy the work injury insurance, it is a pity. If your work was hit by a car, it should call the police, let the police investigation recorded and photographed collecting evidence, the police after will give you a accident identification for things like books, you can take this to the requirements of the unit reported injuries. But it is said that. According to the current situation, most of the units are not willing to just work, rather they should bear the loss.

Birth insurance. The employer pay each month 1%, individuals need not pay


For example, if you are a girl, the monthly wages for 2000 yuan, in January 1, 2013 began to make birth insurance, payment base of 2000 2013 February, and you're pregnant, at the end of 2013 12 gave birth to the child, in 2014 January and discharged, so after you leave the hospital have to get a marriage certificate (unmarried to submit an expense account) + the one-child certificate (general for 2 births to submit an expense account) + record + built size card examination and hospital and operation cost of all invoices list + + hospital discharge summaries of all these materials to the company, if you are pregnant when examined spent 500 yuan, children when inpatient + operation spent 2000 yuan, in general, the company on health care within the prescribed scope basically can give you full reimbursement, reimbursement after the money for you include: 500 block check fee of +2000 block in hospital operation fee +2000 yuan / month * 4 months, 2000 yuan / month * 4 months it is health care centre for the reimbursement of girls subsidies. Only girls reimbursement in order to get to the provisions of the state when the girl reimbursement of maternity insurance must give the average wage of 4 months, so your children not only do not spend money reimbursed but also can earn 4 a month's wages! If you base pay than high wages, for example, take 1000 to pay is 2000, then you we made it. Birth insurance must be at least one year to enjoy.

Housing fund. The fund scale: according to the actual situation of enterprises, the choice of housing provident fund payment ratio. But in principle, the highest payment amount is not more than the average wage of workers 10%. In principle, the housing accumulation fund is how much you make, how many of the units to pay. The premise is to the unit agreed to oh. For example, you pay 50000, then wait for you buy a house or to build their own house loan, decoration what time can take 100000, how can such a good thing not to do.

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