Social insurance attribute
Social insurance is a basic social policy formulated by the state according to the Constitution. Social insurance has the characteristics of legality, safety, mutual assistance, welfare and sociality. Social insurance is not for profit.
Characteristics of social insurance
Social insurance has five characteristics:
(1) supportability. The fundamental purpose of implementing social insurance is to ensure the basic life of workers after losing their ability to work, thus maintaining social stability.
(2) legitimacy. This is national legislation and law enforcement. Beneficiaries of insurance benefits and their units must participate in and pay social insurance funds in accordance with regulations, and cannot voluntarily. The legal system is the organizational guarantee to realize social insurance, which aims to ensure that workers get personal insurance because of temporary or permanent loss of working ability and unemployment, and stabilize social order.
(3) mutual assistance. Refers to social insurance in accordance with the principle of social risk. Social insurance expenses should be coordinated with the society and a social insurance fund should be established. Social insurance institutions should make use of mutual assistance, uniformly adjust funds, pay insurance premiums and provide services, redistribute income, and ensure the lives of workers participating in social insurance.
(4) welfare. Society does not aim at profit, it solves the biggest social security problem with the minimum cost, which belongs to the nature of social welfare.
(5) universality. Social insurance has a wide range of implementation, which is generally implemented among all employees and their immediate family members.
Function of social insurance
Social insurance has the following five functions:
(a) to ensure the basic livelihood of workers and social stability.
(2) Protect the health of workers and improve their bravery.
(three) to promote the development of production and ensure the normal operation of the economy.
(four) to serve the society and the grassroots, and to facilitate people's lives.
(five) the implementation of income redistribution, appropriate adjustment of labor distribution, to ensure the basic livelihood of low-income people.
Functions of social insurance institutions
Social insurance institutions are institutions under the Department of * * *. Its main functions are:
(a) the implementation of * * social insurance policies formulated in this area, such as pension, unemployment, work injury, medical care and maternity.
(two) entrusted by * * *, responsible for raising and managing social insurance funds.
(3) Formulating financial, accounting, statistics and internal audit systems of social insurance funds in accordance with laws and administrative regulations, and organizing their implementation, supervision and inspection.
(four) to formulate business rules for the collection and payment of social insurance premiums and organize their implementation.
(five) responsible for training and assessment of social insurance business personnel, improve their professional quality.
(six) responsible for the management and service of retired workers.
But in fact, in order to adjust people's economic income, capitalist countries use the next generation of labor to bear the food ration problem of the previous generation. In China, this is a means for * * to shirk its obligations. After all, we are a socialist country and rely on the people to build the country. * * * should do more than that, instead of shirking responsibility.
Question 2: What is social security and what is its function?
Social insurance is a legislative form adopted by the state.
The association will set up a fund to help the elderly, sick, injured, unemployed,
A social security system that can get compensation and help from the state and society in the case of loss of working ability such as childbirth.
Social insurance attribute
Social insurance is a basic social policy formulated by the state according to the Constitution.
Social insurance has the characteristics of legality, safety, mutual assistance, welfare and sociality. Social insurance is not for profit.
Composition of social insurance: endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.
1, what is endowment insurance?
The so-called endowment insurance (or endowment insurance system) refers to the state and society according to certain laws and regulations, in order to solve the labor.
When the laborer reaches the working age limit stipulated by the state and terminates his labor obligations, or when he loses his ability to work due to old age and withdraws from his post.
Social insurance system established after basic living.
This concept mainly includes the following three meanings:
1 Old-age insurance will take effect automatically after the elderly within the legal scope completely or basically withdraw from social labor life.
Yes What is said here is completely characterized by the separation of workers and means of production; By basic, I mean reference.
Production activities have not become the main content of social life. It should be emphasized that the legal age limit (varies from country to country
Standard) is a practical measure.
The purpose of endowment insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life.
Endowment insurance is based on social insurance to achieve the purpose of protection.
Endowment insurance is widely implemented all over the world.
Social security system. Generally, it has the following characteristics: ① national legislation, enforcement, enterprise units and individuals.
Everyone must participate, and those who meet the conditions for receiving a pension can receive a pension from the social insurance department; (2) the source of endowment insurance expenses,
Generally, it is shared by the state, units and individuals, or by units and individuals to achieve extensive social mutual assistance; ③ improve
The old insurance is social, has great influence, enjoys a large number of people for a long time, and has a huge cost. Therefore, it is necessary to establish a special insurance system.
Door institutions, the implementation of modernization, specialization and socialization of unified planning and management.
2. What is the basic old-age insurance?
Endowment insurance is one of the items of social insurance, which aims to provide basic living security for workers who have lost their ability to work due to old age.
Life security and a series of social * *.
Old-age insurance includes three levels: basic old-age insurance, enterprise supplementary old-age insurance and personal savings old-age insurance. basis
This old-age insurance is enforced by national legislation, and the expenses are shared by the state, enterprises and individual employees.
3, the basic characteristics of endowment insurance:
1, social. * * * Management organs and specialized agencies embody the social insurance policy of * * *.
2. Mandatory. In accordance with national laws, the state determines the scope, treatment and payment standard of insurance participation by enforcing * * *.
3. Help each other. According to the principle of adjustment, the economic burden will be dispersed to the greatest extent.
4. Welfare. Determine insurance benefits according to the basic needs of workers in different periods.
4, what is the basic old-age insurance personal account?
Social insurance institutions establish personal accounts for lifelong basic old-age insurance for employees according to their ID numbers.
For home use.
1. Personal account records: ① All endowment insurance premiums paid by employees; ② Basic pension paid by enterprises.
The part of the insurance premium transferred according to a certain proportion; (3) Interest on the amount of personal accounts of employees' basic old-age insurance.
2. Personal account transfer. When an employee changes his/her work unit, the amount stored in his/her personal account is all transferred.
3. Personal account handling of employees' interrupted work. Employee's personal account is interrupted for various reasons, such as work interruption and payment interruption.
Question 3: What is the purpose and function of social insurance? If you pay social security in the enterprise, then you pay five insurances: pension, medical care, unemployment, work injury and maternity insurance.
Pension: cumulative payment 15 years. When you retire, you can enjoy a pension.
Medical treatment: continuous payment meets the local medical insurance reimbursement standard, and hospitalization can be reimbursed. When you retire, you can enjoy lifelong medical insurance after retirement by paying a certain number of years of medical insurance. According to the captain, the minimum standard in Qingdao is 25 years for men and 20 years for women.
Unemployment: continuous payment 1 year. If you leave your job due to company reasons or your contract expires, you can enjoy unemployment relief.
Work-related injuries: In case of work-related injuries during working hours, you can enjoy the corresponding work-related injury reimbursement treatment.
Maternity: the continuous payment time meets the local time requirements, and family planning can enjoy maternity reimbursement and maternity leave allowance.
Question 4: What are the five benefits of social insurance? Hello! Social security is social insurance. Social security is a certain social security system stipulated by the state, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The general benefits of the five insurances are as follows: pension: accumulated payment 15 years, and pension can be enjoyed when you retire. Medical treatment: continuous payment meets the local medical insurance reimbursement standard, and hospitalization can be reimbursed. When you retire, you can enjoy lifelong medical insurance after retirement by paying a certain number of years of medical insurance. Unemployment: continuous payment 1 year. If you leave your job due to company reasons or your contract expires, you can enjoy unemployment relief. Work-related injuries: In case of work-related injuries during working hours, you can enjoy the corresponding work-related injury reimbursement treatment. Maternity: the continuous payment time meets the local time requirements, and family planning can enjoy maternity reimbursement and maternity leave allowance. In addition, I need to remind you that social security alone is not enough for individuals. It is also necessary for us to choose appropriate commercial insurance as a supplement to social security and build a comprehensive security system for ourselves.
Question 5: What is the function of social security? For employees, social security is usually called five insurances and one gold. The specific five insurances are: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance; One gold: housing accumulation fund. "Housing accumulation fund": the specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund shall not be less than 10% of the salary, and the units with good benefits may be higher, and the employees and units shall bear 50% respectively. Therefore, paying the housing provident fund is very cost-effective for employees! In terms of five risks, according to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit undertakes 1%, and individual undertakes1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance. Due social security: Social insurance mainly includes endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance. 1 Social security is * * * Behavior 2 Social security is universal security 3 Social security is life-long security 4 Social security is subsidy 5 The amount of social security pension is increasing 6 Beijing's social security, Beijing's living standard A Old-age insurance Old-age insurance is a social insurance system in which workers get certain economic compensation, material help and services from * * and society after reaching the legal retirement age. State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, institutions and their employees who implement enterprise management must participate in the basic old-age insurance. The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period. Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years. At present, the legal retirement age of enterprise employees in China is: male employees are 60 years old; Female cadres engaged in management and scientific research are 55 years old and female employees are 50 years old. Basic pension consists of basic pension and personal account pension. If the employee reaches the legal retirement age and the individual contribution has reached 15 years, the monthly standard of basic pension is 20% of the average monthly salary of employees in the province (autonomous region or municipality directly under the Central Government) or city (prefecture) in the previous year. Personal account pension is paid by personal account fund, and the monthly payment standard is divided by 120 according to the amount stored in my account. After the individual account fund is used up, it will be paid by the social pooling fund. B Medical Insurance The basic medical insurance system for urban employees is a social insurance system established to ensure the basic medical needs of employees according to the affordability of finance, enterprises and individuals. All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees must participate in the basic medical insurance. The basic medical insurance fund for urban workers consists of the basic medical insurance social pooling fund and individual accounts. The basic medical insurance premium consists of the employer and the employee's personal account. The basic medical insurance premium is paid by both the employer and the employee, of which the employer pays 6% and the individual pays 2%. Part of the medical insurance premium paid by the employer is used to establish a social pooling fund for basic medical insurance, which is mainly used to pay for hospitalization, outpatient service for special chronic diseases, rescue and first aid expenses of insured employees. Medical expenses that meet the requirements above the minimum threshold of basic medical insurance and below the maximum payment limit, among which individuals should also bear a certain proportion of expenses according to regulations. Personal account funds are mainly used to pay the expenses of the insured for medical treatment and drug purchase in designated medical institutions and retail pharmacies. The part of the personal account that is exhausted or insufficient is paid by the insured in cash, and the personal account can be carried forward and inherited according to law. Insured employees are hospitalized due to illness, first pay the hospitalization deductible line, and then enter the overall fund and individual employee payment period. Units and individuals participating in basic medical insurance must participate in large medical insurance at the same time, and pay the basic medical insurance premium and large medical insurance premium on time and in full according to the regulations in order to enjoy the relevant treatment of medical insurance. C industrial injury insurance, also known as industrial injury insurance >>
Question 6: What is the function and significance of social insurance? First, social insurance can play the role of social stabilizer. The old, weak, sick, disabled, pregnant and disabled members of social institutions are inevitable objective phenomena in any era and any social system. Social insurance is to give appropriate compensation to members of society when they encounter this situation, to ensure their basic living standards and to prevent the emergence of unstable factors.
Second, social insurance is conducive to ensuring the smooth reproduction of social labor. Laborers will inevitably encounter all kinds of accidents in the process of labor, resulting in the pause of labor reproduction. Social insurance is to give necessary economic compensation and living security to workers when they encounter the above-mentioned risk accidents, so that the labor force can be restored.
Third, social insurance is conducive to achieving social equity. Due to the difference of people's education level and labor ability, the income gap will be caused. Social insurance can collect insurance funds through compulsory collection of insurance premiums, subsidize low-income workers or those who have lost their sources of income, improve their living standards, and achieve fair distribution of society to a certain extent.
Fourth, social insurance is conducive to promoting social progress. Insurance has the characteristics of mutual assistance, and social insurance can better reflect the spirit of mutual assistance and cooperation.
Because the income gap between individual workers is large, and social security needs to take into account the actual bearing capacity of many groups, it is impossible to expand the gap between them. On the premise of social security, some people with relatively high income levels can choose appropriate commercial insurance to supplement their own protection according to their own economic ability, so as to make their health, pension and accident protection more adequate.
Question 7: Explain briefly what social insurance is and what it does. The answer should be more detailed. Social security is social insurance. Social security is a certain social security system stipulated by the state, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The general benefits of the five insurances are as follows: pension: accumulated payment 15 years, and pension can be enjoyed when you retire. Medical treatment: continuous payment meets the local medical insurance reimbursement standard, and hospitalization can be reimbursed. When you retire, you can enjoy lifelong medical insurance after retirement by paying a certain number of years of medical insurance. Unemployment: continuous payment 1 year. If you leave your job due to company reasons or your contract expires, you can enjoy unemployment relief. Work-related injuries: In case of work-related injuries during working hours, you can enjoy the corresponding work-related injury reimbursement treatment. Maternity: the continuous payment time meets the local time requirements, and family planning can enjoy maternity reimbursement and maternity leave allowance. In addition, I need to remind you that social security alone is not enough for individuals. It is also necessary for us to choose appropriate commercial insurance as a supplement to social security and build a comprehensive security system for ourselves.
Question 8: What is the function of social security card? Guide to the use of medical insurance cards
Medical insurance card (hereinafter referred to as medical insurance card) is a special card for personal account of medical insurance in our city. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, account capital expenditure and consumption. The medical insurance card is undertaken by China Bank Laiwu Branch (hereinafter referred to as China Bank) and is a multi-functional debit card of China Bank. After the insured unit pays the fee, the medical insurance office (hereinafter referred to as the medical insurance office) will entrust the personal account funds at the end of the month.
1, scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.
2. Inquire about the balance of medical insurance card: Insured employees can call 95566 to inquire about the balance, or they can inquire at the Bank Savings Office of China or the designated hospitals and pharmacies in the urban area.
3. Inquiries about medical insurance card transactions: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office. If you have any questions about the transaction records, you can go to the retail business department of Bank of China at 62 15674.
4. Medical insurance card password: If the insured employee changes his password, he can dial 95566 to change it, or he can bring his ID card to the Bank of China Savings Office to change it. If the insured employee forgets the password, he can bring his ID card to the Bank of China Savings Office to report the loss of the original password and change it.
5. Custody of medical insurance card: Insured employees should keep the medical insurance card properly. If you accidentally lose it, please immediately issue a letter of proof to the unit and stamp it at the medical insurance office for confirmation, and then report the loss to China Bank Savings Office with your ID card and go through the formalities of replacement. After 7 days, they can get a new card.
6. Precautions: When the number of medical insurance card transactions reaches 60 times, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used.
social security card
1. What is a social security card?
Social security card is an electronic information card used by medical insurance agencies to identify the identity of insured persons, record and store personal account funds and their use. With my social security card, the insured can seek medical treatment at any designated medical institution in this city or purchase medicines at designated retail pharmacies.
Cards are generally bar code cards, magnetic stripe cards and ic cards, also called integrated circuit cards. Bar code card is the simplest card with low cost. 1996 In Huaiyin District, the medical insurance pilot was carried out, and the barcode card was adopted. From the use effect, it is very poor, because it needs strong computer network support and the customization workload is large. Compared with bar code card, the customization workload of magnetic stripe card is much simpler, but its requirements for computer network are the same as that of bar code card; IC cards, also known as smart cards or integrated circuit cards, are currently divided into three types. One is memory card, whose integrated circuit is programmable read-only memory, which can be electrically erased;
2, the role of social security card
(1) Please identify yourself when purchasing medical drugs.
(2) Recording and storing funds in personal accounts,
③ Record the medical expenses of the insured.
Question 9: Does social security play a big role? In fact, in order to adjust people's economic income, capitalist countries use the next generation of labor to bear the rations of the previous generation. In China, this is a means for * * to shirk its obligations. After all, we are a socialist country and rely on the people to build the country. * * * should do more than that, instead of shirking responsibility.
Question 10: What is the significance and function of insurance? Significance and function of insurance 1
Insurance is:
Use everyone's strength to prevent lifelong risks at the least cost. ※
Semi-compulsory savings to ensure the best long-term interest rate. ※
Help us shoulder the burden of family and children with negligible investment. ※
Guarantee future retirement and medical expenses. ※
The cash value of the policy can be lent or withdrawn flexibly. ※
Save taxes and ensure that assets are completely transferred to the next generation. ※
Protect personal dignity at the end of life. ※
There is no better system to replace it for more than 200 years! We can't replace it ourselves!
What is the use of insurance? (Risk and Insurance)
Insurance is not to ensure that risks do not occur, but to get help and support when risks occur.
With social progress and economic development, people's ability to resist risks has been greatly improved. The basic principle of insurance is to accumulate the financial resources of thousands of people in Qian Qian and form a large collective to resist and resolve risks. In this big group, everyone is a giver and a beneficiary. The basic function of insurance is to get timely assistance by paying in case of accident.
Insurance is like a parachute on an airplane. Although not necessarily useful, this guarantee is real.
What is life insurance?
First, mutual assistance: people who have donated blood must know that after donating blood for a certain number of times, they can exchange blood for emergency or even family needs. Usually we donate 250CC blood, which will not cause physical problems, but it can save us from bloodless panic. Blood donation is to save people, but also to save themselves.
The second is to prepare in advance and plan ahead: when summer comes, that is, when typhoons prevail, it is better to make more preparations and less losses. Children are vaccinated against smallpox and cholera to prevent infection. It is better to prepare beforehand than to regret afterwards.
Third, pay attention to safety: everyone may have made a lot of preparations, but one more defensive measure, such as the safety door on the car, the lifeboat on the boat, the fire lane and the fire extinguisher in the building, would rather prepare than use it, which will give people a sense of security.
Fourth, protection: although the car is protected by the car shell, it still needs a seat belt; Wear a helmet when riding a motorcycle, and workers should wear gloves to protect their hands from injury; Athletes wear knee pads to protect their knees. These are all protections.
The difference between insurance and savings.
Save:
1. Saving is a ladder and a method of gradually accumulating funds. It takes some time to reach the target quantity.
If you don't save enough money, even if there is an accident, it is a drop in the bucket and you are in a hurry.
3. Savings can calculate interest, but not risk.
4. The Law of People's Republic of China (PRC) Commercial Bank stipulates that commercial banks can go bankrupt, and once a bank goes bankrupt, it may lose all its money.
5. The savings interest rate is variable, as evidenced by the continuous downward adjustment of the bank interest rate from 1996 to 1998.
6. Saving is just saving.
Insurance:
1, insurance is to take the elevator, which is characterized by obtaining the agreed amount of protection at the same time.
2. When it happens unintentionally, the insurance premium will be dozens or even hundreds of times higher than the insurance premium, which can be described as "four or two thousand dollars".
Insurance is to calculate the huge cost of risk and provide it to you in time.
4. The Insurance Law of People's Republic of China (PRC) stipulates that an insurance company engaged in life insurance business shall not be dissolved, and shall pay the premium on schedule.
5. Insurance protection will not change due to external factors.
6. Insurance is a kind of savings with both value preservation and insurance functions, which will be by your side when you need it.
Insurance is the driving force of life.
Life is actually pulling a cart uphill. The older you get, the heavier the family car will be. If you are not careful, the rope that pulls the cart will be broken, and the family will be greatly shaken and even decline rapidly.
If you pay a little money in advance to hire a person to help you push the cart, he can lend a strong hand to help you tide over the difficulties when the car falls down, and the money is only given to him temporarily. At the appointed time, if he doesn't need to push the cart, he will return all the money, plus the interest is not lower than that of the bank. This good man is called insurance.
Advance, attack, retreat and defend.
The fire in Australia caused by El Nino and the harm of the Asian financial turmoil to the Asian economy all give people a warning that risks are everywhere, from countries to individuals. With insurance, we will:
Advance and attack-throw yourself in at will and do something vigorous.
Retreat and keep it-even if the family economy enters a "dark period" in the face of risks, it can still rely on it ... >>