(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.
Legal basis: Article 3 of the Social Insurance Law adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.
Article 4 of the Social Insurance Law Employers and individuals in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.