Confirmed by the Ministry of Human Resources and Social Security, the reform plan of endowment insurance system in public institutions has been issued, and it has been officially distributed to five provinces and cities of Shanghai, Guangdong, Shanxi, Zhejiang and Chongqing as a pilot. Let's take a look at the development process and current situation of "endowment insurance system for public institutions". The critical illness insurance plan of "Enjoy Health" covers cancer in situ and 3 kinds of serious illness protection < P > (1) Development course < P > The current endowment insurance system of public institutions was founded in 1955 and took shape in 1978. It has gone a long way from the implementation of the same old-age insurance system for contract workers in public institutions to the pilot reform of old-age insurance in public institutions in the early 199 s, and then to the pilot reform of old-age insurance system in public institutions in 28. The Social Insurance Law, which came into effect on July 1, 211, has not yet incorporated the endowment insurance system of public institutions into national laws and regulations. Although it has been reformed for more than 2 years, it is still in a very fragmented and semi-original state.

(2), the status quo

1. The reform is slow and the legal basis is not feasible

The report of the 17th National Congress of the Communist Party of China clearly pointed out that it is necessary to "promote the reform of the basic old-age insurance system in enterprises, institutions and institutions". At present, the establishment and improvement of the old-age security system is based on the State Council's decisions and departmental documents, such as Guo Fa [25] No.38 and Guo Fa [28] No.1, which lack comprehensive legislation formulated by the National People's Congress, leading to the lack of authority of the basis for the reform of the old-age insurance system, and the standardization and seriousness are challenged by interest groups. The Constitution stipulates: "Citizens have the right to get material help from the state and society in case of old age, illness or incapacity to work. The state develops social insurance, social relief and medical and health undertakings that citizens need to enjoy these rights. " Among them, there are the theories of "right" and "social insurance" for the aged, but their provisions are too principled to be effective in practice. A comprehensive legislation with higher legislative level and finer provisions may solve this problem better.

2, the coverage is small, the level of social overall planning is low, and the burden of social security fund is heavy

Because there is no unified policy in China at present, the coverage varies from place to place. As far as the author's city is concerned, the scope of participation in different districts and cities is also very different. Some of them include civil servants in the scope of old-age insurance, while others are limited to self-supporting institutions. As far as the whole country is concerned, most urban institutions' endowment insurance only includes contract workers, township employment cadres and all staff of self-supporting institutions, which has a small coverage and a low level of overall planning. Influenced by the establishment system of public institutions and the arrival of an aging society, the number of new employees participating in endowment insurance is decreasing year by year, while the number of retirees is increasing year by year. Therefore, with the passage of time, the pension fund will be unable to make ends meet. According to the principle of "fixed income based on expenditure, with a slight surplus", the proportion of employees paying endowment insurance premiums will be higher and higher, and the burden of endowment insurance funds will become heavier and heavier. Secondly, at present, after retirement, the pension of the insured in public institutions is still paid according to a certain proportion of the basic salary before retirement, and the salary increase is determined according to the post level before retirement. Pension is not linked with the amount of my contribution, which lacks social economy and overall planning, and invisibly increases the payment of pension insurance fund. Therefore, when the overall level of the pension fund is low, the fund burden will be heavier.

3. The awareness of participating in insurance is weak, and it is difficult to collect funds.

First, because there are no corresponding laws and regulations, the coercive power of the system is not enough, people lack understanding of the compulsory and * * * economic nature of old-age insurance, and even equate it with commercial insurance, which has not attracted enough attention. They think that after retirement, the government will take money to support the elderly, and there is no need to engage in old-age insurance. Second, due to the underdeveloped economy in some areas at present, government departments mainly use limited financial resources for construction, but pay insufficient attention to the payment of long-term old-age insurance, and the phenomenon of arrears is more prominent. However, there are no special laws and regulations to regulate, supervise and deal with it, and the endowment insurance of public institutions is in a state of no legal basis and no rules to follow, so it is difficult to collect funds.

4. Lack of fund operation mechanism makes it difficult to maintain and increase the value of funds

The safety of pension fund management is directly related to the basic life of retirees. Therefore, in order to ensure the safety of the fund, the government has always adopted a more cautious attitude, stipulating that the endowment insurance fund can only be deposited in state-owned commercial banks, and the special account is used for special purposes. Banks will pay interest according to the savings deposits of residents in the same period and merge into the fund, and only part of the accumulated funds can be used to purchase bonds issued by the state. Due to the lack of an effective fund operation mechanism, with the passage of time and the rise of the price level, it is difficult for the original fund to maintain its value or even depreciate gradually, and it is difficult to ensure the long-term balance of the fund, which is not conducive to maintaining the stability of the social insurance system and the interests of the insured, and will inevitably lead to an increase in the gap of the fund in the future.

(3) Six major tasks Carcinogenic factors are inevitable, and "comprehensive protection" cancer insurance allows you to calmly deal with unknown risks

1. Promote system construction. We will achieve full coverage of the social endowment insurance system for urban and rural residents and reform the endowment insurance system for government agencies and institutions. Improve the medical, industrial injury, unemployment, maternity insurance system and social assistance system. Implement the social security policy to deal with the aging population and improve the family support policy for the aged. Vigorously develop supplementary insurance. What are the better anti-cancer insurance for the elderly, and which one is better? Look at the top 1 hot-selling insurance of insurance companies this year: the top 1 insurance companies sell hot-selling anti-cancer insurance for the elderly

2. Accelerate the overall planning of urban and rural social security. Integrate the urban and rural social security system and management resources, improve the overall level of social insurance, and establish an effective system for the transfer and continuation of social insurance relations.

3. Expand social security coverage. Basic old-age care and basic medical insurance guarantee basic coverage for people. Improve the social security policy of landless farmers.

4. gradually improve the security standards and narrow the gap between urban and rural areas, regions and groups. Coordinate the establishment of a normal adjustment mechanism for basic pensions. We will generally carry out and promote the basic medical insurance for urban residents and the overall planning of outpatient medical expenses for the new rural cooperative medical system. Gradually improve the financial subsidy standards at all levels, and the proportion of hospitalization expenses within the basic medical insurance for employees and urban residents and the new rural cooperative medical system policy will reach about 75%.

5. Strengthen the construction of social assistance system and vigorously develop social welfare and charity.

6. Strengthen the management and supervision of social security. Strict fund supervision and maintenance of fund safety. Accelerate the pace of standardization, informationization and specialization of social security management services.

At present, the Trial Measures for Occupational Pensions in Public Institutions have been issued, and the pilot areas will explore according to the actual situation and establish an occupational annuity system to ensure the treatment of retirees after reform. The important content of the "reform of endowment insurance system in public institutions" is to reduce the endowment insurance in public institutions to be consistent with enterprises. The reform plan of endowment insurance system is related to everyone's vital interests and has attracted the attention of the broad masses. Netizens have the same aspiration for the pension reform plan: fairness, justice and equality. It can be seen that as long as the reform benefits the people and the country, the reform will be supported by the people.