Please consult the unit for the correct solution of the amount of insurance premium paid by the unit to the individual.
Social security for employees includes endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance. The provident fund is referred to as five insurances and one gold.
Pension: 20% for the unit and 8% for the individual. (If the unit with an income of 5,000 yuan pays 1000 yuan, the individual pays 400 yuan. )
Unemployment: unit 2%, individual 1%.
Medical treatment: 4-6% for units and 2-4% for individuals. (200 yuan is 100 yuan)
Work injury: unit 1%, individual 0%. (The unit pays 50 yuan, but the individual does not).
Birth: unit 1%, individual 0%.
The provident fund is generally 8%- 12% of the unit, and so is the individual.
In addition to the minimum guarantee stipulated by the state, all localities have their own policies.
Question 2: What kind of insurance does the company generally give its employees? 1. For employees, the current social insurance usually refers to five insurances and one gold, namely: pension insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance; One gold: housing accumulation fund.
"Housing provident fund; Specific units and individuals each bear 50%, 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. It is very affordable for employees, that is, one gets two free, which is convenient for their future housing convenience!
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 2%, individual1%; 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.
2. All the above insurance countries have specific documents to participate, but the implementation is not uniform in actual work; The> document has long emphasized that the types of social insurance that must be participated are: old-age insurance, medical insurance and unemployment insurance.
Question 3: How to buy insurance for employees of regular companies? You mean social security, right? Generally, there are two kinds of "three gold" and "hardware"
Generally speaking, enterprises contribute about 70% and themselves contribute about 30%. Generally speaking, it depends on the local base, the base is different, and the amount paid is different.
If the company does not pay employees, it can go to the labor department to sue. However, the amount paid cannot be converted into wages, which is also illegal in labor law.
As for accident insurance, it is insured according to the actual type of work. Some employees and enterprises will not give you general accident insurance.
Question 4: What insurance can the company buy? What kind of insurance do you usually want to insure for the company? Hello! Generally, there are the following types of insurance for companies to choose from: 1. Company property insurance.
Enterprise property insurance (including property all risks, construction insurance, fire insurance, etc. ) is the basic insurance that any enterprise should first consider in the process of production and operation. This type of insurance covers the loss of the insured property at the risk location due to natural disasters or accidents.
Second, the employer liability insurance
Employer's liability insurance refers to an insurance in which employees employed by the insured suffer from business-related accidents or occupational diseases stipulated by the state in the course of employment, resulting in disability or death, and the insured shall bear the medical expenses and economic compensation responsibilities according to the Labor Law of People's Republic of China (PRC) and the labor contract, including the litigation expenses payable, and the insurer shall be responsible for compensation within the prescribed compensation limit.
Third, public liability insurance.
Public liability insurance is applicable to factories, office buildings, hotels, houses, shops, hospitals, schools, theaters, exhibition halls and other public places of activity, and covers all kinds of compensation liabilities that enterprises, institutions, social organizations, individual industrial and commercial households, other economic organizations and natural persons should bear according to law for losses and expenses caused by accidents in production and business activities in fixed places.
Fourth, enterprise group accident insurance.
Group accident insurance, that is, group accident insurance, is a form of personal accident insurance insured by groups, and the insurance liability usually includes accidental death, accidental disability and so on. It is understood that insurance companies usually divide the occupations of policyholders into four to six categories and apply different insurance rates. Generally speaking, the premium is usually per person per year 150 yuan -300 yuan, and the insured amount is 654.38+10,000-200,000 yuan. Although group accident insurance is not mandatory, it is beneficial for enterprises to insure group accident insurance for employees. Once an accident happens, employees can get more compensation, and the burden on enterprises and society will be reduced accordingly.
Question 5: What are the three types of insurance provided by general enterprises to employees? "Five insurances and one gold" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and health insurance.
Maternity insurance;
"One gold" refers to the housing accumulation fund.
Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals.
Industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. What we should pay attention to here is "five"
"Insurance" is legal, but "one gold" is not.
What is the payment ratio of "five insurances and one gold"?
At present, the contribution rate of endowment insurance in Beijing is 20% of the company (of which 17% is included in the overall fund and 3% is included in the personal account.
), individual 8% (all credited to personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;
Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance is divided according to the industry scope of the unit.
Determine the injury rate; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.
Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the highest
Pay no more than 10% of the average salary of employees in Beijing.
(Overall planning fund refers to: in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system.
It is necessary for the country to solve the problems of unbalanced economic development and aging population as a whole.
(1) Establish a social pooling fund mainly based on enterprise contributions; (2) Establish personal accounts based on employees and enterprises; (3
) * * * Bear the management expenses of the endowment insurance fund. This semi-fund system combining social pooling and individual accounts is as follows
It is conducive to coping with the crisis of China's aging population, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transition from enterprise to enterprise.
The transformation from enterprise endowment insurance system to individual endowment insurance system. )
The payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises
There is a basic salary when paying, and there are some related subsidies, but some enterprises only pay a basic salary when paying, which
This is illegal. The specific proportion should be consulted with the local labor department.
The withdrawal of old-age insurance, unemployment insurance and medical insurance can only be obtained if permitted by law.
Issued by the insurance registration department, such as "old-age insurance and unemployment insurance can only be issued after reaching legal age"
To receive the payment, you must also meet the conditions, such as going to the street office where the account is located to apply for an unemployment certificate. At the same time,
You have a job permit, which means that you must have the will to apply for a job after you lose your job, so that you can get it.
If you don't want to work after losing your job, you won't get insurance money. Besides, neither are pensions nor unemployment benefits.
You can enjoy it at the same time.
? Do you enjoy insurance during the probation period?
You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period, not isolated.
Outside the contract period. So you should also take out insurance during the probation period. In addition, it is a commercial enterprise, insuring its employees.
The legal obligation does not depend on the will or voluntariness of the parties, even if the employees indicate that they do not need to pay insurance.
Yes, and commercial insurance can't replace social insurance. Enjoy old-age insurance benefits
Those who have paid the old-age insurance premium 15 years or more and reached the statutory retirement age can enjoy the old-age insurance benefits:
1, receive the basic pension on a monthly basis according to regulations until death.
The basic pension is calculated as follows:
Basic pension = basic pension+personal account pension+transitional pension = employees in the whole city one year before retirement
Average monthly salary × 20% (15% if the payment period is short 15)+ personal account principal and interest and ÷ 12.
0+ indexed monthly average payment salary × 1997×65438 Payment period before the end +0.4%.
2. Death treatment. (1) funeral expenses (2) one-time pension (3) immediate family members who meet the support conditions.
Subsidies for living difficulties shall be paid monthly until the immediate family members who support them die.
Note: Endowment insurance should be paid continuously as far as possible. According to the relevant documents, all enterprises or insured persons must pay fees intermittently.
Basic old-age insurance premium (except for unemployed persons who receive unemployment insurance benefits or those who fail to pay according to regulations)
), the insured meets the conditions stipulated by the state for receiving a pension, and the basic pension is calculated and paid when the basic pension is calculated and paid.
When calculating the base, according to the cumulative intermittent payment time, it is pushed forward year by year to the corresponding average salary of employees in this city in the previous year.
Calculation (cumulative intermittent payment time, each full ... >>
Question 6: What kind of insurance does private enterprise provide for employees? 1. Social security is the basic insurance that the state requires enterprises to provide for employees, and enterprises must provide it for employees.
2. If the company has migrant workers, they can join social security together. One payment method in social security is that of migrant workers.
3. Commercial insurance is a supplement to medical insurance in social security. Generally, when applying for medical insurance, companies are required to choose a supplementary medical treatment method, one of which is the form of commercial insurance.
4. Employer's liability insurance is an insurance accident caused by the employer (company). This kind of insurance is also a kind of commercial insurance, protecting the interests of the company.
Question 7: What types of insurance do general insurance companies have? The main categories are life insurance, endowment insurance, property insurance and health insurance. Of course, all kinds of insurance companies can represent other types of insurance business. It can also be divided into individual insurance, group insurance and bank insurance.
Question 8: What are the insurance companies in China? China insurance company
1. China Life
2. Ping An Insurance
3. New China Life Insurance
4. Taikang Life
5. Pacific Insurance Company
6.PICC Life Insurance Company
7. Taiping Life Insurance
8. Sunshine Insurance
9. Life and life
10. Keep people healthy
1 1. Minsheng life insurance
12. United Life Insurance 13. Happiness life insurance
14. Guohua life insurance
15. Zhengde Life Insurance Company
16. Jiahe life insurance
17. Huaxia life insurance
18. Ying Da life insurance company
19. Xintai life insurance
20. Great Wall Life Insurance
2 1 .100 years of life
22. Kunlun health
Foreign insurance company
1. Zhong Yi life insurance company
2. Huatai Insurance
3. American Institute of Accountants (abbreviation)
4. Everbright Yongming
5. Sino-British life insurance
6.prudential life insurance
7. Chinese and American metropolises
8. China Merchants Cigna Life Insurance
9. Hong Zhong Insurance Company
10. Allianz China and Germany
1 1. Haikang Life Insurance
12. Luen Thai Metropolis
13. Hengan Standard Life Insurance
14. Sino-Dutch Life Insurance
15. Jinsheng Insurance
16 ruitai life insurance
17. Pacific Aetna
18. Cathay Life Insurance
19. Bank of Communications Kanglian
20. Sino-Singapore great eastern
2 1. Haier insurance
22. Hengkang Tianan
23.AVIC Samsung
24. Sino-French life insurance
25. longevity life insurance
26. Long Jun Life Insurance Company
27. HSBC Insurance
Question 9: Which companies are involved in auto insurance: China PICC, China Pacific Insurance, China Ping An, China Dida, China United, Anbang Insurance, Dubang Insurance, Huatai Insurance, Tianan Insurance, Yongan Insurance, Zheshang Insurance, Zijin Insurance, Min 'an Insurance, Bank of China Insurance, etc.
Foreign investment includes: Bao Li insurance.
Question 10: What is the coverage of enterprise property insurance? Now more and more enterprises buy enterprise property insurance, but many people still know little about enterprise property insurance. In this regard, we will introduce the coverage of enterprise property insurance in detail, so that more people can understand this insurance. The scope of enterprise property insurance insurable property insurable property refers to the property that the insurer thinks can be insured according to the insurance clauses. Insurable property can usually be embodied in the following two ways: first, it can be embodied by accounting subjects, such as fixed assets, current assets (inventory), special assets, investment assets, off-balance sheet or amortized assets, entrusted property, etc. Second, according to the category of enterprise property items, such as houses, buildings and ancillary decoration equipment, machinery and equipment, tools, instruments, production utensils, transportation tools and equipment, low-value consumables, raw materials, semi-finished products, products in process, finished products or inventory goods, special reserve goods, buildings, building materials, etc. Special insurable property Special insurable property refers to the property whose value is difficult to determine, or which is unlikely to be damaged by an insured accident in general, and whose name and amount are specified in the insurance policy schedule by special agreement between both parties. Special insurable property can be divided into special insurable property that does not increase the rate and special insurable property that needs to increase the rate. Special insurable property that does not increase the rate refers to the property whose market price fluctuates greatly or has no fixed price, such as gold and silver, jewelry, jade, jewelry, antiques, calligraphy and painting, stamps, artworks, rare metals and other valuable property, dikes, sluices, railways, culverts, bridges, docks, etc. Special insurable properties that require higher rates or additional special insurance clauses generally include underground buildings, equipment and underground materials in mines and pits. Insurable property Insurable property refers to the property not insured by the insurer. Insurable property mainly includes: (1) property that does not belong to general means of production or commodities, such as land, mineral deposits, mines, forests and aquatic resources. (two) currency, tickets, securities, documents, account books, charts, technical data and other properties that lack value basis or are difficult to identify. (3) Property that will have adverse social impact or conflict with relevant laws and regulations of * * * after underwriting, such as illegal buildings and illegally occupied property. (4) Property that can't be insured temporarily due to various reasons. (5) Property that is bound to be dangerous, such as dangerous buildings. (6) Other types of property should be insured, such as cargo transportation insurance for materials in transit, motor vehicle insurance for motor vehicles with licenses and normal operation, and livestock and poultry insurance.