1. Small town insurance is a comprehensive social insurance system. It is a basic social insurance system in Shanghai's social security system, which combines social pooling with individual accounts. It includes basic social insurance and supplementary social insurance such as pension, medical care, unemployment, maternity and work injury, and its basic feature is "five insurances in one". At the same time, the basic insurance and supplementary insurance of town insurance are a whole, and 25%+X constitutes the basic elements of town insurance.

2. if the employees change from town insurance to city insurance instead of 2: 1, the payment period of town insurance shall be calculated after the total unit payment of town insurance in each payment year is converted according to the payment standard of city insurance in the same year. "For example, the town insurance only pays 2,8 yuan a year and the city insurance is 4,8 yuan. If you convert it according to the above method, then paying the town insurance for one year can only be considered as paying the city insurance time for about 8 months.

1. Insurance must have risks. The purpose of establishing insurance system is to deal with the occurrence of specific dangerous accidents, and there is no insurance for risks. In order to apply the principle of large numbers, the risks that may benefit are not covered, so commercial insurance institutions generally do not cover such risks.

second, insurance must give economic compensation for losses caused by dangerous accidents. The so-called economic compensation means that this kind of compensation is not to restore the destroyed original, nor to compensate the real thing, but to make monetary compensation. Therefore, the losses caused by accidents must be economically calculable. In life insurance, the value of the person itself cannot be calculated, but human labor can create value, and the death and disability of people will lead to the loss of labor force, thus reducing the income of individuals or their families and increasing their expenses. Therefore, life insurance is to make up for this economic increase by means of economic compensation or payment, not to ensure people to recover the lost labor force or life.

third, insurance must have a mutual aid relationship. The insurance system is to spread the losses among many units to reduce the losses of the affected units. Through insurance, the insured * * * pays the insurance premium together, establishes the insurance compensation fund, and * * * obtains the guarantee together.

fourth, the contribution of insurance must be reasonable. The compensation fund of insurance is shared by the insured. In order to make everyone's burden fair and reasonable, it is necessary to calculate the contribution scientifically.