Social insurance premiums include (1) The concept of basic pension insurance premiums: Basic pension insurance is a system enforced by the state through legislation to ensure that workers are given basic living security when they lose their ability to work in old age.

1. Basic pension insurance contributors specifically include: urban individual industrial and commercial households and their employees, public institutions that implement enterprise management and their employees, freelancers, and rural contract workers.

2. Enterprises and units that pay basic pension insurance: Adhere to the principle of combining social pooling and personal accounts, and the insurance premiums are borne jointly by the unit and the employees.

Among them, the corporate social coordination contribution rate is about 20% of the company's total wages, and the individual employee contribution rate is 8%.

The payment rate for freelancers, urban self-employed industrial and commercial owners and subsequent payment personnel after the labor relationship is terminated is 20%.

Public institutions: The regulations on fee rates vary from region to region, and are determined by the social security agency.

3. Rate and billing basis: The enterprise payment rate is about 20%, and the billing basis is the total salary of the previous month.

The personal rate for enterprise employees is 8%, and the basis for billing is the average monthly salary of employees in the previous year, which is determined by the social security agency.

The rates of public institutions are different. Employees are billed based on the basic salary they should have been paid last month, and the unit is billed based on the sum of individual contributions of all employees.

The rate for urban individual industrial and commercial households, freelancers and those who continue to pay after the labor relationship is terminated is 20%, and 8% is credited to the personal account.

The basis for billing is my monthly salary income.

For individual industrial and commercial households, the rate is 8%.

The billing basis is determined by the social security agency.

4. Use of basic pension The basic pension consists of two parts: basic pension and personal account pension.

Specific policies are formulated and interpreted by the labor department.

(2) Concept of unemployment insurance premium: Unemployment insurance refers to a system that is enforced by the state through legislation and a fund is established centrally by society to provide material assistance to workers whose sources of livelihood are temporarily interrupted due to unemployment.

1. Unemployment insurance premiums are paid by state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, public institutions and their employees.

2. Unemployment insurance payment The employer shall pay unemployment insurance premiums at the rate of 2% of the unit's total wages, and the employees of the employer shall pay unemployment insurance premiums at the rate of 1% of their own wages.

3. Rates and billing basis: The rate for the unit payment part is 2%, and the rate for the individual payment part is 1%; the basis for billing is the total salary of the previous month.

4. If the cumulative payment period of the unemployment insurance fund is more than 1 year but less than 5 years, the maximum period for receiving unemployment insurance premiums is 12 months; if the cumulative payment period is more than 5 years but less than 10 years, the maximum period for receiving unemployment insurance benefits is 18 months

months; if the cumulative payment time is 10 years or more, the maximum period for receiving unemployment insurance benefits is 24 months.

(3) Concept of basic medical insurance premium: Basic medical insurance is a system enforced by the state through legislation to protect the basic medical needs of employees.

1. Basic medical insurance fees are paid by state agencies and their staff, public institutions and their employees, private non-enterprise units and their employees, social groups and their full-time personnel.

2. Basic medical insurance payment Basic medical insurance follows the principle of combining social pooling and personal accounts, and the insurance premiums are borne jointly by both the employer and the employee.

The employer's contribution is generally about 6% of the employee's total salary, and the individual contribution is 2% of his or her salary.

All personal contributions are credited to personal accounts, about 30% of employer contributions are transferred to personal accounts, and the remainder is used to establish a coordinating fund.

3. Rates and billing: The rate paid by the unit is about 6%, and the rate paid by individual employees is 2%.

The billing basis for enterprise contributions is the total salary of the previous month. The billing basis for government agencies, institutions, private non-enterprise units, social groups and individual employees is determined by the social security agency.

4. Use of basic medical insurance funds: Personal accounts are mainly used for minor illnesses or outpatient expenses, and the overall fund is mainly used for serious illness or hospitalization expenses.

The minimum payment standard of the overall fund is controlled at about 10% of the average annual salary of local employees, and the maximum payment limit is in principle controlled at about 4 times the average annual salary of local employees.

(4) Concept of work-related injury insurance premium: Work-related injury insurance refers to a fund that is mandated by the state through legislation and is centrally established by society. When employees suffer from work-related accidents and occupational diseases, they can obtain medical insurance and economic compensation, and enjoy the right to vocational rehabilitation in a decentralized manner.

Work-related injury risks and a system to promote work-related injury prevention.

1. Work-related injury insurance premiums are paid by state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises.

2. Work-related injury insurance premiums Work-related injury insurance premiums are paid by the enterprise, and industry differential rates are implemented. The collection standard is the total salary of all employees of the enterprise multiplied by the industry differential rate. The average work-related injury insurance premium rate generally does not exceed 1%.