The new three risks are social insurance or what Shanghai calls urban insurance, because Shanghai's comprehensive insurance has been incorporated into urban insurance. In order to make a smooth transition, Shanghai's current policy is: if it is an urban hukou, it will participate in five insurances (pension, medical care, work injury, maternity and unemployment); If you are a non-urban hukou, you will participate in the three insurances, that is, the new three insurances (pension, medical care, work injury); If the insured unit does not propose to participate in the five insurances, it defaults to non-urban hukou to participate in the three insurances.
1. What is comprehensive insurance?
Comprehensive insurance is to safeguard the legitimate rights and interests of foreign employees, standardize the employment behavior of units and maintain the order of the labor market. Comprehensive insurance includes work-related injuries (or accidental injuries), hospitalization and pension subsidies. Foreign employees who suffer from work-related accidents or occupational diseases during the comprehensive insurance period can get a one-time payment of work-related injury insurance money; If you are hospitalized due to illness or non-work-related injury, 80% of the hospitalization expenses above Qifubiaozhun shall be borne by the comprehensive insurance fund, and 20% shall be paid by yourself; Foreign employees who have paid for one year in a row can get the old-age allowance certificate in the year of retirement and cash the old-age allowance in one lump sum.
2. What benefits can foreign employees who participate in comprehensive insurance enjoy?
(1) industrial injury insurance benefits
1. For the foreign employees identified as work-related injuries, the relevant insurance companies will pay the actual medical expenses in one lump sum according to the national and municipal basic medical insurance regulations.
Disabled, after the appraisal of the labor ability appraisal institution, can enjoy the disability allowance, disability allowance, life care expenses, medical expenses for the recurrence of old injuries, and the cost of auxiliary devices.
2. For foreign employees who are identified as work-related deaths, the relevant insurance companies will pay the actual emergency medical expenses, funeral subsidies, work-related death subsidies and dependent relatives' pensions in one lump sum, which is 100 month's average monthly salary of employees in this city last year.
(2) Hospitalization medical insurance benefits
If you are hospitalized due to illness or non-work-related injury during the period of comprehensive insurance, the following part of the deductible for medical expenses incurred in hospitalization shall be borne by foreign employees; The part exceeding the deductible shall be borne by the comprehensive insurance fund 80% and the individual 20%. The maximum amount of enjoyment is determined according to the number of months of continuous payment by the unit.
(3) Old age allowance
From April 2005 1, foreign workers can get the old-age allowance certificate as long as the unit has paid for them for twelve months within three years. When my male is over 60 years old and my female is over 50 years old, I can cash it in one lump sum at the branches of insurance companies all over the country with the old-age subsidy certificate.
(4) Daily drug subsidies
From April 1 2005, during the comprehensive insurance period, foreign employees can enjoy the daily medical expenses subsidies paid by the comprehensive insurance fund in 20 yuan, and get a "Shanghai Comprehensive Insurance Card for Foreign Employees", with which individuals can purchase medicines at pharmacies using UnionPay card POS machines in the city.
During the period when the employer fails to pay the comprehensive insurance, who will bear the expenses when the foreign employees suffer work-related injuries?
During the period when the employer fails to pay the comprehensive insurance, the expenses incurred by foreign employees due to work-related injuries shall be paid by the employer for you, and the payment standard shall refer to the relevant provisions of the comprehensive insurance. If the unit refuses to undertake the project, foreign employees can apply to the labor dispute mediation agency for mediation. If it cannot be resolved through mediation, it can be resolved through labor arbitration, people's court proceedings and other channels.
If the employer fails to pay the comprehensive insurance premium according to the regulations, how can the foreign employees report it?
12333 is the telephone number of Shanghai Labor and Social Security Bureau, which provides 24-hour manual and automatic services to the society. By calling 12333, foreign employees can not only learn about the labor security policy information, but also report the illegal behavior of the unit, and the labor supervision department will investigate and deal with it according to law.
Third, how to apply for comprehensive insurance to social security?
It is not unfair that comprehensive insurance cannot be converted into social security, because the money paid is different. Comprehensive insurance costs only 1 month, and social security is almost 7 or 8 times that of social security.
Comprehensive insurance is a one-year pension certificate, which will be collected after retirement.
Social security certainly enjoys better treatment.
Comprehensive insurance is a new type of insurance to protect the legitimate rights and interests of foreign employees. As can be seen from the above information, comprehensive insurance includes three kinds of insurance interests. It should be noted that comprehensive insurance to social security is generally not accepted, but the policies implemented in different regions are different. Please consult the local social security bureau for specific suggestions.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. All social insurance funds shall be accounted for according to the types of social insurance, and a unified national accounting system shall be implemented.
The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.
The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.