What are the seven insurances paid by the unit?
In recent years, with the continuous improvement of the social security system, the "seven insurances" have gradually become a hot topic of concern to professionals. Many people are familiar with the "five insurances and one fund", but they may still have doubts about the concept and specific content of the "seven insurances". This article will focus on the theme of "What are the seven insurances paid by an employer", combined with the hot discussions on the entire network in the past 10 days, to provide you with a detailed analysis of the composition, functions and common problems of the seven insurances.
1. What are the seven insurances?
The "seven insurances" are based on the traditional "five insurances" (pension insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance), and add "long-term care insurance" and "supplementary medical insurance". Policies may differ slightly in some regions, but the core purpose is to provide employees with more comprehensive social security. The following is the specific content of the seven insurances:
| Insurance name | Coverage | Payment ratio (example) |
|---|---|---|
| Pension insurance | pension after retirement | 16% for units and 8% for individuals |
| medical insurance | medical expense reimbursement | 9.5% for units, 2% + 3 yuan for individuals |
| unemployment insurance | Basic living security during unemployment | 0.5% for units and 0.5% for individuals |
| Work injury insurance | Work Injury Medical Care and Compensation | Units 0.2%-1.9%, individuals do not pay |
| maternity insurance | Maternity allowance and medical expenses | 0.8% for units, no payment for individuals |
| long term care insurance | Disabled person care costs | 0.3% for units and 0.1% for individuals (pilot areas) |
| supplementary medical insurance | Reimbursement of expenses outside the medical insurance catalog | The unit pays independently |
2. The difference between seven insurances and five insurances and one fund
1.Wider coverage: The new long-term care insurance and supplementary medical insurance among the seven insurances provide more comprehensive protection respectively for the nursing needs of an aging society and the gap in medical insurance reimbursement.
2.Differences in payment entities: Long-term care insurance is usually paid jointly by the employer and the individual, while supplementary medical insurance is usually fully borne by the employer.
3.Implementation progress varies: At present, the seven insurances have not been promoted nationwide, and are only piloted in some economically developed areas (such as Shanghai, Chengdu, etc.).
3. Analysis of recent hot issues
According to the discussion data of the entire network in the past 10 days, the following are the three hot topics about the seven insurances:
| hot issues | attention index | policy response |
|---|---|---|
| Is payment of the seven insurances compulsory? | 85% | Only five insurances are compulsory, and two new insurances are added according to local policies. |
| How to apply for long-term care insurance? | 72% | Disability level needs to be assessed by a professional agency |
| Supplementary medical insurance reimbursement coverage | 68% | Covers special needs outpatient clinics, high-priced drugs, etc. |
4. Impact on businesses and individuals
For businesses:
1. Labor costs may increase by 1%-3%, but it can improve the competitiveness of employee benefits
2. Pay attention to local policy developments and adjust social security plans in a timely manner
For individuals:
1. The level of medical and pension security has been significantly improved.
2. Long-term care insurance can alleviate the pressure of future care
3. The actual salary received may be slightly reduced (new personal contribution part)
5. Future development trends
Judging from the recent policy signals issued by the Ministry of Human Resources and Social Security:
1. National coverage of long-term care insurance may be achieved by 2025
2. Supplementary medical insurance will be further integrated with commercial insurance
3. The payment ratio may be dynamically adjusted according to the economic situation.
It is recommended that professionals learn about the latest policies through the following channels:
- Log in to the official website of the local Social Security Bureau to inquire
- Pay attention to social security change notices issued by corporate HR
- Use the "National Medical Insurance Service Platform" APP for real-time query
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