1. Old-age insurance: social basic old-age insurance, which aims to provide basic sources of livelihood for the elderly.
Second, medical insurance: basic medical insurance, the purpose is to reimburse the insured's medical expenses.
Work-related injury insurance: occupational injury insurance, the purpose of which is to enable workers to get compensation when they are injured at work.
4. Unemployment insurance: an important part of the social security system, which aims to provide a material basis for the unemployed and guarantee their basic livelihood.
Maternity insurance: providing medical services, maternity allowance and maternity leave for pregnant women.
Immutable verb supplementary medical insurance: it is a supplementary form of basic medical insurance.
7. Housing accumulation fund: Only employees can pay housing accumulation fund.
8. Enterprise annuity: a supplementary endowment insurance system established voluntarily on the basis of participating in the basic endowment insurance according to law.
What are the benefits of paying supplementary medical insurance and enterprise annuity?
First, the benefits of supplementary medical insurance
As the name implies, supplementary medical care is a supplementary reimbursement based on the original medical insurance, that is to say, with supplementary medical insurance, you can better enjoy medical reimbursement. For example:
An enterprise in Beijing pays enterprise supplementary medical care for employees, with zero compensation and 90% reimbursement. Xiao Li, an employee of the company, was admitted to a 3A hospital due to illness. Beijing hospitalization deductible line 1.300 yuan, Xiao Li spent 1 ten thousand yuan. Assume that 1 10,000 yuan is covered by medical insurance, and the reimbursement rate of medical insurance is 90%.
Medical insurance reimbursement: (10000-1300) * 90% = 7830 yuan.
The remaining unreclaimed part can be reimbursed by the enterprise for supplementary medical treatment: (10000-7830) * 90 =1953 yuan.
After accounting, Xiao Li's medical insurance plus enterprise supplementary medical treatment was reimbursed 9783 yuan, and Xiao Li only spent 2 17 yuan!
Second, the benefits of enterprise annuity
Enterprise annuity is also a supplementary old-age insurance system independently established by enterprises and individuals according to the ratio of 1: 1. Enterprises and their employees shall participate in the basic old-age insurance according to law and through collective consultation.
1. Enterprises that pay enterprise annuities will establish enterprise annuity accounts for their employees, and the biggest beneficiaries of paying enterprise annuities are employees.
Like the provident fund, the most paid part belongs to the individual, which means that there is another guarantee besides the previous treatment!
2. The enterprise annuity will also be invested by the manager to collect income. Is it suitable?
Is it mandatory to pay six insurances and two gold?
At present, five insurances and one gold are compulsory payment, while supplementary medical care and enterprise annuity are not compulsory payment, and they are paid by units and individuals through consultation.