What is the difference between individual and unit insurance?

There are differences in different payment methods. 1.Different types of insurance:

The scope of unit payment is wider (five insurances), and individuals can only pay endowment insurance and medical insurance in their name. 2.Fees vary:

The social security shall be paid by the unit, and the expenses shall be borne by the individual and the unit, and the individual shall be borne by the individual. 3.The payment standard is different:

Units are different according to the situation of each region, and individuals pay according to the minimum standard.

What is the difference between individual social security and corporate social security?

The differences are as follows: 1. Individuals can only pay endowment insurance and medical insurance; The five insurances of the unit include endowment insurance, medical insurance, maternity insurance, work-related injury insurance, and unemployment insurance.

Second, the payment ratio is different:

1. The proportion of unit payment is as follows:

Endowment insurance: 20% for units, 8% for individuals (those paid by themselves go into personal accounts);

Medical insurance: 10% for units, 2% for individuals (those paid by themselves go into personal accounts);

Unemployment Insurance: Employer, Individual;

Work-related injury insurance: units and individuals do not pay;

Maternity insurance: not paid by units and individuals.

2. Individual payment ratio:

Pension insurance contributions:

When participating in the pension insurance, individual industrial and commercial households or other flexibly employed persons will pay the basic pension insurance premium according to 20% of the average monthly salary of the on-the-job employees.

Medical Insurance Contributions:

Pay basic medical insurance premiums according to the average monthly salary of the local area in the previous year; You can also choose to pay 8% of the average monthly salary of the previous year.

Five insurances. means, including pension insurance.

Medical insurance, unemployment insurance.

work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund. Endowment insurance, medical insurance, and work-related injury insurance are compulsory insurance types of the state, which means that enterprises must pay for them, and others can be decided by enterprises independently. As for those to be handed over by oneself and those to be paid by the company, please see below for a clear look.

Of course, the situation varies from province to province, but it is basically the same. Pension insurance: the unit pays 21% for you every month, and you pay 8% yourself; Medical Insurance:

The unit pays 9% for you every month, and you pay 2% plus 10 yuan for serious illness co-ordination (major illness co-ordination is mainly in charge of hospitalization); Unemployment insurance: the employer pays 2% for you every month, and you pay 1% yourself; Work-related injury insurance: the employer pays for you every month, and you don't have to pay a penny yourself; Maternity Insurance:

The unit pays for you every month, and you don't have to pay a penny yourself; Housing Provident Fund: The unit pays 8% for you every month, and you pay 8% yourself

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Summary. The amount paid by the individual himself is low, and the social security of urban residents is generally paid by the unit, and the social security paid by the unit belongs to the social security of urban employees.

What is the difference between individual and unit insurance?

The amount paid by the individual himself is low, and the social security of urban residents is generally paid by the unit, and the social security paid by the unit belongs to the social security of urban employees.

The social security paid by the enterprise belongs to the social security of urban employees, which is borne by the enterprise (16% of the pension insurance ratio), and the individual bears the personal part of the cost (the proportion of the pension insurance payment is 8%), which is withheld and paid by the enterprise. There are two types of social security paid by individuals, one is social security for urban employees; The second is social security for urban and rural residents. Individuals can choose to pay social security for urban employees in the form of flexible employment, and the proportion of pension insurance payment is 20% (12% is included in the overall account and 8% is included in the personal account), and the payment is made on a monthly basis; You can also choose to pay social security for urban and rural residents, and pay it annually, and the payment cost is relatively low.

How big is the gap between the social security of urban employees and the social security of urban and rural residents? According to the statistics of 2020, the average monthly pension of urban and rural residents is about 152 yuan, and the average monthly pension of urban employees is about 3,100 yuan, a difference of 20 times.

There are some differences between the two, the human version of the contract is divided into A, B, C three versions, as far as I understand is that the contract belonging to the PICC is the easiest to distinguish is the provident fund, only the A version of the contract company will pay the provident fund, the C version is the labor dispatch contract only to pay five insurances, the general version of the contract is not classified, the salary is determined according to the position, so in the PICC whether it is the general version of the contract or the labor dispatch of the implementation of equal pay for equal work. To put it simply, the salary and treatment of the same position are the same regardless of the contract, but the difference between the provident fund.

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

Article 23 After receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money. If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's performance of the insurer's obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.

Article 24 After making an assessment in accordance with the provisions of Article 23 of this Law, the insurer shall, within three days from the date of making the verification, issue a notice of refusal to compensate or refuse to pay the insurance money to the insured or beneficiary if it is not an insurance liability, and explain the reasons.

Legal analysis: The five insurances paid by individuals and the five insurances paid by the company for employees are different in terms of attribute essence, payment base, payment amount and payment location. The social security, pension, medical and unemployment insurance paid by the unit shall be jointly borne by the unit and the individual, and the maternity insurance and work-related injury insurance shall be paid by the unit, and the unit shall account for the majority; All expenses of endowment insurance and medical insurance paid by individuals to social security shall be borne by the individual.

Legal basis: Article 72 of the Labor Law of the People's Republic of China Social insurance** determines the funds according to the type of insurance**, and gradually implements social pooling. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.