Enterprises provide medical insurance and commercial supplementary insurance for employees, which shows that enterprises put care for employees in the supreme position. Buying commercial insurance for employees can reduce the risk of enterprises, transfer the risk to insurance companies and increase employees' loyalty to enterprises. Employees can supplement their own protection plan with commercial insurance while having social security. Social security and commercial insurance do not conflict.
Avoid risks and reduce disputes. Enterprises can avoid unnecessary labor disputes and illegal risks by participating in insurance according to law, standardizing employment and abiding by the law. After the enterprise participates in social security for employees, employees can get material help and compensation from the state and society in cases of illness, work injury, unemployment, maternity and retirement, which increases employees' satisfaction and sense of belonging to the enterprise and protects their legitimate rights and interests. Take industrial injury insurance as an example, the payment ratio is usually between 0.5% and 2% of the total monthly salary of employees. When employees are disabled or even injured, the sum of funeral subsidies and one-time work death subsidies paid by social security funds to employees has exceeded 500,000 yuan.
: insurance method
1. Consumers can buy at the sales counter of professional insurance companies: fill in the insurance application form, and the insurance company will issue an insurance certificate after receiving the insurance premium, and the insurance will take effect.
Second, consumers can also apply for insurance online, such as China Ping An. Consumers complete the insurance information and pay online, and the insurance company will issue an electronic insurance certificate and send it to the customer by email or SMS, and the insurance will take effect.
Third, consumers can contact qualified personal agents to buy. Many consumers have their own insurance agents, and consumers can buy through this agent.
Fourth, it can also be purchased through a qualified agency: many insurance companies install system terminals in the agency, and after the customer provides insurance information and delivers the insurance premium to the agency, the agency prints the insurance certificate to the consumer through the insurance company system, and the insurance takes effect.
Legal basis: Article 4 of the Social Insurance Law of People's Republic of China (PRC) stipulates that employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law.
Article 86 of the Labor Contract Law, if the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay it within a time limit or make up for it, and from the date of default, an overdue fine of 0.5% shall be charged on a daily basis; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.