Social insurance includes five insurances: endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance. At present, the contribution ratio of endowment insurance in Beijing is: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan; Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit; Maternity insurance payment ratio: 0.8% for unit five insurance, and no payment for individuals. All of the above are situations where there is a stable unit and the unit provides social security for employees. If the company does not provide social security, it intends to provide social security in the following three stages (monthly payment of 893.6 yuan, monthly payment of 60 1.23 yuan and monthly payment of 455. 15 yuan). You can choose one of them to pay social security fees to talents or local social security agencies. Social security paid by individuals only includes pension, unemployment and medical care, and it can only be paid in a binding way, that is, it cannot only pay the cost of social endowment insurance without paying the cost of medical insurance. Under normal circumstances, individual social security contributions will be adjusted once a year, and the above three files are only applicable to those handled from April 2008 to March 2009. It is true that individuals pay social insurance. As you know, they need to pay at least 15 years, and the more they pay, the more they get. If the company provides you with social security, it will pay most of the expenses (usually about 70%), which is more suitable for you, but if you bear all the expenses yourself, you need to measure whether it is worth it. Because social insurance is the most basic guarantee provided by the state to individuals, it can only achieve a low level of "guarantee" rather than a complete "package". If ordinary women in Beijing retire at the age of 55 (they have paid 15 social endowment insurance before the age of 55), for example, if they die of illness or accident at the age of 60, they can only receive social endowment insurance for five years. But in fact, she has paid the social security fee of 15 years, and the remaining pension of 10 years is not available, which means that social pension insurance does not guarantee that she can receive the pension of 10 years or 20 years, which is very different from commercial pension insurance. Social insurance: 50% of outpatient and emergency medical expenses accumulated over 2,000 yuan in one year, namely 3,000 yuan, can be reimbursed to 500 yuan. The expenses not reimbursed by medical insurance are as follows: 1, service items: registration fees, out-of-hospital consultation fees, medical records fees, etc. Special medical services such as visiting fees, expedited fees for examination and treatment, additional fees for name-calling surgery, additional fees for name-calling surgery, high-quality and good-price fees, and self-invited special care. 2, diagnosis and treatment equipment and medical useful materials: the application of positron emission tomography (PET), electron beam CT, ophthalmic excimer laser therapeutic equipment and other large medical equipment for inspection and treatment projects. Glasses, dentures, artificial eyes, artificial limbs, hearing AIDS and other rehabilitation appliances. All kinds of self-use health care, massage, examination and treatment equipment. Disposable medical materials that are not charged separately as stipulated by the provincial price department. 3. Treatment items: organ sources or tissue sources of various organ or tissue transplants; Transplantation of organs or tissues other than kidneys, heart valves, corneas, skin, blood vessels, bones and bone marrow; Orthopedic surgery for myopia; Qigong therapy, music therapy, health nutrition therapy, magnetic therapy and other auxiliary treatment projects. In addition, the expenses not paid by the basic medical insurance also include: transportation expenses and emergency expenses; Air conditioning fee, telephone fee, baby incubator fee, food incubator fee, electric stove fee, refrigerator fee, compensation fee for damaged property, insurance number protection fee, nursing fee, washing fee and outpatient decoction fee; Meal expenses; Hospitality and other special life service expenses. Patients should pay for the above items when seeking medical treatment.
Legal objectivity:
People's Republic of China (PRC) social insurance law
Article 60
The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.