What kind of insurance does the company generally buy when it insures its employees?

With the development of society, many people realize the importance of paying insurance. Insurance is not only an important way to avoid risks, but also a good way to invest in yourself. After realizing the importance of insurance, many people will also pay attention to asking about insurance when they go to the company to apply for a job.

Many young people who have just entered the society do not know whether the company has purchased insurance for themselves, let alone what insurance the company provides to employees. Today, we will popularize science for you, what kind of insurance is generally given by the company to employees.

Pension insurance almost all formal enterprises will buy pension insurance for their employees, according to the relevant regulations of the Human Resources and Social Security Bureau, the applicant company must buy basic pension insurance for employees. Endowment insurance can not only protect the burden of the insured's later life, but also help the company avoid some personnel risks. Pension insurance, as a basic insurance, is something that companies must buy for their employees.

Employee Health InsuranceEmployee health insurance is an insurance purchased by the company for employees in order to prevent accidents at work. Regular companies will pay great attention to purchasing health insurance for employees, which is not only a necessary expense, but also an effective means to prevent the company from incurring greater losses. Many employees are unaware of their health insurance and do not receive the compensation they deserve after an accident.

Medical insuranceMedical insurance is the most important part of social insurance, and it can be said that it is 100% of the insurance that everyone will use. Medical insurance is due to the medical expenses paid by employees due to illness or accidental injury, and the relevant departments will give certain compensation. The company's purchase of medical insurance for employees is not only a manifestation of corporate responsibility, but also a manifestation of a company's humanistic care.

However, due to information checks and other reasons, many employees do not know what insurance they have, resulting in a lot of unnecessary losses when accidents come.

The Social Insurance Law stipulates that all employers and employees must participate in social insurance, and social insurance premiums shall be paid jointly by the employer and the individual employee. Among them, the endowment, medical and unemployment insurance in social insurance shall be jointly paid by the unit and the employee in proportion; Maternity and work-related injury insurance shall be paid by the unit, and individuals shall not pay maternity and work-related injury insurance. If you have formally signed an employment contract with your employer or have a de facto employment relationship with your employer, you should pay social insurance.

Generally, the insurance purchased for employees is accident insurance, because the accident insurance is relatively cheap, and the protection time is relatively long.

Generally, they will buy accident insurance, unemployment insurance, medical insurance, health insurance, and commercial insurance, which are all insurance that the company will buy for employees.

Generally, group insurance is purchased, and then personal accident insurance or critical illness insurance is also purchased, and sometimes medical insurance is also purchased.

Enterprise employee insurance mainly includes endowment insurance.

Work-related injury insurance, medical insurance.

According to the provisions of the Social Insurance Law, employers have the responsibility and obligation to participate in five insurances and one housing fund for their employees.

Endowment, medical care, unemployment, work-related injury, maternity insurance, housing provident fund (the "Regulations on the Administration of Housing Provident Fund" stipulates that enterprises shall participate in the housing provident fund for employees).

Companies are required to pay social security for their employees.

It is the common obligation of employers and workers to participate in social insurance and pay social insurance premiums in accordance with the law. The specific legal basis is as follows: Labor Code

Article 72 stipulates that employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law. In addition, according to Article 58 of the Social Insurance Law, an employer shall apply to the social insurance agency for social insurance registration for its employees within 30 days from the date of employment. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Therefore, it is the legal obligation of the employer to pay social security for employees. If you don't pay social security to your employees, it's legally illegal.

If the company does not pay social security to employees, what should employees do?

First of all, the law stipulates the following for the behavior of companies that do not pay social insurance to employees: Social Insurance Law of the People's Republic of China.

Article 84 Where an employer fails to register for social insurance, the social insurance administrative department shall order it to make corrections within a set period of time; If the employer fails to make corrections within the time limit, the employer shall be fined not less than one time but not more than three times the amount of social insurance premiums payable, and the person in charge who is directly responsible and other persons directly responsible shall be fined not less than 500 yuan but not more than 3,000 yuan.

Article 86 Where an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up the amount within a time limit, and impose a late fee of 5/10,000 per day from the date of non-payment.

If the payment is still not made within the time limit, the relevant administrative department shall impose a fine of not less than one time but not more than three times the amount owed.

If the company does not pay social security to employees, it can do the following: 1. Negotiate privately to settle the problem. 2. If you are not afraid of getting into trouble with the company, you can apply for labor arbitration to protect the legitimate rights and interests of employees, but at the same time, it will take more time and energy.

3. If you are worried that applying for arbitration and rights protection will affect your work in the unit, but you need social security to meet some of your needs, you can find a first-class institution to pay social security. I have to say that there are many companies that have purchased insurance for their employees, which has increased from the previous five insurances to six insurances, and the increase is the supplementary insurance for serious illness medical treatment.

It should be noted that the cost of individual insurance in the six insurances should be borne jointly by the employer and the employee, and if it is the cost of work-related injury insurance and maternity insurance, then in accordance with the provisions of the Social Insurance Law, it should be borne by the employer.

The insurance given by the company is generally the cheapest insurance, only one month, at most 1,000 yuan, you and you are old, you will receive more than 1,000 yuan at most in the future, how much money you get, and then that's it.

The most common is social security, formal enterprises generally have, there are still some that there are not, and there is also an ordinary accident insurance, which is more than 100 mostly, control costs, and have better protection for the regulated requirements, such as employees' families, high protection, medical treatment, critical illness, subsidies or something.

In the case of social security, the company will generally have "five insurances and one housing fund", of course, some only have five insurances.

In the case of commercial insurance, employees will generally be covered by employer's liability insurance, and better companies may provide employees with group medical insurance and group accident insurance.

The function of each insurance type is different.

I wish you peace, joy and good sailing.

The company gives employees insurance, generally on the five insurances, that is, maternity insurance, pension insurance, work-related injury insurance, unemployment insurance, accident insurance, should be these kinds of insurance, the first four I am more certain, the last one seems to be a bit of a problem, anyway, it is five insurance.

The unit generally gives employees five insurances.

The five insurances refer to endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

Generally speaking, there are five insurances: endowment insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance.

Some companies will also give employees an extra one: supplementary medical insurance (including enterprise supplementary medical insurance, commercial medical insurance, social mutual aid and community medical insurance, etc.).

The company generally pays social security for employees, including endowment insurance, work-related injury insurance, maternity insurance, unemployment insurance and medical insurance, and some enterprises pay housing provident fund to employees.

The unit pays insurance to employees is generally five insurances and one housing fund, so that there is not only medical insurance, unemployment pension and other social insurance, which is very good and very comprehensive.

The statutory is social insurance, including five insurances and one housing fund.

The commercial is supplementary insurance, which belongs to welfare, and the common ones are group accidents, group supplementary medical care, and good companies will have enterprise annuities.

The five insurances are all on the way now, of course, there are individual small businesses, and there are those who have no tomorrow today, so they don't care about these.

Generally, the accident insurance is not too high, and I am really helping you look forward to it

What kind of insurance does the company generally take out for its employees? Generally, it is five insurances and one housing fund.

The insurance purchased by the company for employees is roughly divided into two types, one is commercial insurance, and the other is the five insurances and one housing fund stipulated by the state.

First of all, let's talk about the five insurances, the five insurances areThere are five types of insurance: medical insurance, endowment insurance, unemployment insurance, work-related injury insurance, and maternity insuranceAmong them, medical insurance is for patients who have accidents or diseases, and can be reimbursed for hospitalization and outpatient visits to hospitals, pension insurance is to wait until retirement, and can get a fixed pension every month, unemployment insurance is the insurance that can be paid when the company unilaterally lays off employees, work-related injury insurance is the insurance that can be paid for employees who are injured at work during work, and maternity insurance is mainly for women, and the insurance that can be paid for giving birth to children.

If the company's benefits are better, the boss will buy them for the employeesGroup insuranceThis is one of the group insurance of commercial insurance, which is availableEmployer's Liability Insurance and Group Accident InsuranceIf it is an employer's liability insurance, it is something that happens during the employee's work, which can be compensated, and he is a bit similar to work-related injury insurance, if it is a group accident insurance, it is that the employee can pay for it no matter what the circumstances are, if the employee is injured in an accident.

The main types of insurance that enterprises buy for their employees are:Basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insuranceThese five insurances are what we often call social security, yesMandatory insurance for employees

And there isSupplemental insuranceThis insurance is not a mandatory purchase and is based on the company's circumstancesBenefits offered to employees on a voluntary basisSupplementary insurance also includes supplementary medical insurance such as enterprise annuity, occupational annuity, large medical expense subsidy for employees, enterprise supplementary medical insurance, social medical assistance and commercial medical insurance.

The five insurances purchased by the compulsory enterprise for the employees are withheld by the company, and the part of the expenses borne by the individual is also withheld by the company from the monthly salary. among othersWork-related injury insurance and maternity insuranceAll of them are insurance premiums paid by the employer in accordance with national regulations, and employees do not pay premiums. The expenses of basic endowment insurance, basic medical insurance, and unemployment insurance are jointly paid by the company and employees, and the specific payment amount is referred to the relevant payment ratio.

Hello dear, glad to answer for you! The insurance that the company needs to purchase for employees are: social endowment insurance, social medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

1. Social endowment insurance: The insurance that provides protection for the life of the elderly, everyone must pay for a certain number of years, and can only receive it after reaching the retirement age. 2. Social medical insurance:

Insurance that provides medical insurance can reimburse a certain percentage of medical expenses when the insured person is sick and hospitalized, reducing the financial burden. 3. Unemployment insurance: to ensure that the insured has basic living security when unemployed.

4. Work-related injury insurance: insurance that provides basic living security for the insured when he or she is physically injured or disabled due to illness or injury, or temporarily or permanently loses the ability to work. 5. Maternity insurance:

It is an insurance that provides basic livelihood support for the insured person when he or she temporarily loses the ability to work during childbirth. I hope mine can help you

You're welcome, I hope it helps.

Social insurance, that is, five insurances: basic endowment insurance, work-related injury insurance, medical insurance, unemployment insurance, and maternity insurance.

Legal basis: 1. Social Insurance Law of the People's Republic of China

Article 12 stipulates that the employer shall pay the basic endowment insurance in accordance with the proportion of the total wages of its employees stipulated by the state, and it shall be included in the overall planning of the basic endowment insurance.

Article 23 stipulates that employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 33 stipulates that employees shall participate in work-related injury insurance, and the employer shall pay work-related injury insurance premiums, and employees shall not pay work-related injury insurance premiums.

Article 44 stipulates that employees shall participate in unemployment insurance, and employers and employees shall jointly pay unemployment insurance premiums in accordance with state regulations.

Article 53 stipulates that employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.

2. Labor Contract Law of the People's Republic of China

Article 38 An employee may terminate a labor contract under any of the following circumstances:

1) Failure to provide labor protection or working conditions in accordance with the labor contract;

2) Failure to pay labor remuneration in full and in a timely manner;

3) Failure to pay social insurance premiums for workers in accordance with the law;

4) The rules and regulations of the employer violate the provisions of laws and regulations and harm the rights and interests of employees;

5) The labor contract is invalid due to the circumstances specified in the first paragraph of Article 26 of this Law;

6) Other circumstances under which the employee may terminate the labor contract as stipulated by laws and administrative regulations.

7) If the employer forces the employee to work by means of violence, threat or illegal restriction of personal freedom, or if the employer violates the rules and regulations and orders the risky work that endangers the personal safety of the employee, the employee may immediately terminate the labor contract without prior notice to the employer.