The basic old-age insurance system combining social pooling with individual accounts is a new basic old-age insurance system initiated by China in the world. This system adopts the traditional basic endowment insurance fund raising mode, that is, the state, units and individuals share the burden; The basic old-age insurance fund implements social mutual aid; In the calculation and distribution of basic pension, the structural calculation and distribution office is adopted.

Law, emphasizing the incentive factors and labor contribution differences of personal account pension. Therefore, the system not only absorbs the advantages of the traditional pension insurance system, but also draws lessons from the advantages of the personal account model; It not only embodies the characteristics of social mutual assistance, risk dispersion and strong security in the traditional sense, but also emphasizes the self-protection consciousness and incentive mechanism of employees. With the continuous improvement of this system in the practice of China, it will have a far-reaching impact on the development history of world endowment insurance.

The publicly-funded medical care and labor insurance medical care established in the early 1950s in China are collectively referred to as employee medical insurance. It is an important part of the national social security system and one of the important items of social insurance.

Medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. Therefore, the medical insurance system is usually legislated and implemented by the state.

Establish a fund system, with the expenses paid jointly by employers and individuals, and the medical insurance premium paid by medical insurance institutions to solve the medical risks brought by employees' illness or injury.

Medical insurance is a kind of material help given by the state or society when people are sick or injured, that is, a social security system that provides medical services or economic compensation.

Since the implementation of medical insurance in China for more than 40 years, it has played a positive role in safeguarding the health of employees and maintaining social stability. However, with the establishment of the socialist market economic system and the deepening of the reform of the state and enterprises, this system has been difficult to solve the basic medical security problems of employees under the conditions of market economy.

In February 1998, the State Council issued the Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Employees (Guo Fa [1998] No.44), which was deployed to comprehensively promote the reform of the employee medical insurance system nationwide, and required that the basic medical insurance system for employees be basically established nationwide in February 1999.