What kind of insurance does the enterprise employee have, and what does the insurance cover for the

First of all, enterprise employee insurance has the most basic five insurances, five insurances are the state compulsory enterprises to employees on the insurance, and some companies in order to pass on the risk and reflect the humanistic care will additionally give employees accident insurance, our company is in the safe life insurance ** to give us a corporate group comprehensive medical insurance, this insurance can protect traffic accidents and small accidents in life, the protection content is quite a lot, and the claim is also very convenient, directly upload the document on the mobile phone case can complete the compensation.

Enterprises usually have to provide employees with five insurances. The five insurances are: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. Some companies purchase other insurance for employees in addition to social insurance, so it is recommended to consult the HR department of the company.

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At present, China's enterprise social insurance includes five types of insurance: enterprise endowment insurance, enterprise medical insurance, unemployment insurance, maternity insurance, and work-related injury insurance. Generally, it is required to purchase five types of insurance at the same time.

Or if you want to inquire about the insurance for enterprises, it is the following common types of enterprise insurance: 1. Property insurance: insurance that underwrites the property of domestic enterprises, institutions, institutions and organizations with insurance interests.

2. Liability insurance: property insurance with the civil liability of the insured as the subject matter of insurance. 3. Domestic cargo transportation insurance:

With the transported goods as the subject matter of insurance, the insurance company undertakes to compensate for the losses caused by natural disasters and accidents during transportation. Means of transport insurance: an insurance contract that takes the means of transport carrying people, goods or engaging in a special operation as the subject matter of insurance.

4. Engineering insurance: insurance to cover the losses, expenses and liabilities caused by reconstruction projects and installation projects and all unforeseen accidents or poor installation. 5. Guarantee Insurance:

By entering into a contract with the policyholder, guaranteeing to the creditor, the debtor performs the debt according to the contract, and wants to report to the employer to guarantee that the employee will perform his duties, these two guarantees are called guarantee insurance. 6. Credit insurance: The insurer guarantees the credit of the debtor according to the requirements of the right holder (policyholder), and the insurer shall compensate the debtor in case of a credit crisis that causes losses to the right holder.

Legal Analysis: Employee insurance includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. Among them, endowment, medical and unemployment insurance are jointly borne by the company and individual employees, while maternity insurance and work-related injury insurance are fully borne by the company.

Legal basis: Social Insurance Law of the People's Republic of China Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they have not completed the social insurance registration, the social insurance agency shall verify the social insurance premiums they should pay, and the self-employed individual industrial and commercial households without employees who are willing to participate in social insurance, part-time employees who have not participated in social insurance at the employer, and other flexibly employed persons, shall apply to the Chunyu social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

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 employees: endowment, medical care, unemployment, work-related injury, maternity insurance, and housing provident fund (the Regulations on the Administration of Housing Provident Fund stipulate that enterprises should participate in the purchase of housing provident fund for employees).

1. Endowment insurance is a kind of social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers after reaching the working age limit for relieving labor obligations stipulated by the state, or after quitting their jobs due to old age. (The proportion of corporate contributions is 20%, and individuals pay 8%, totaling 28%).) ）

2. Medical insurance is divided into basic medical security and social medical security. Medical security refers to ensuring that employees can get the most affordable and appropriate technology that can be provided to him at present when he is sick, including basic drugs, basic services, basic technology and basic expenses. Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide basic medical needs for workers within the scope of protection in case of illness.

The proportion of corporate contributions is 10%, and individuals pay 2%, for a total of 12%. ）

3. Work-related injury insurance refers to a social insurance system in which workers and their surviving family members can receive necessary material compensation from the state and society when they die or temporarily or permanently lose their ability to work due to accidental injuries or occupational diseases caused by work. (Enterprises do not need to pay for individuals.) ）

4. Maternity insurance is a social policy that the state provides economic and material assistance to employees who give birth through social insurance legislation. Its purpose is to provide maternity allowance, maternity leave and medical services to female employees who have given birth, to ensure their basic economic income and medical care when they are temporarily incapacitated due to childbirth, and to help female employees who have given birth to recover their ability to work and return to work, so as to reflect the support and love given by the state and society to women in this special period. (Enterprises do not need to pay for individuals.)

5. Unemployment insurance refers to the system that is enforced by the state through legislation, established by the society in a centralized manner, and provides material assistance to workers whose lives are temporarily interrupted due to unemployment. (The proportion of corporate contributions is 2%, and individuals pay 1%, a total of 3%).) ）

Employee insurance includes basic endowment insurance, unemployment insurance, basic medical insurance, work-related injury insurance, and maternity insurance. The company must buy five insurances for employees: basic endowment insurance, unemployment insurance, basic medical insurance, work-related injury insurance, and maternity insurance. Article 72 of the Labor Law of the People's Republic of China Social insurance ** Funds shall be determined according to the type of insurance, and social pooling shall be gradually implemented.

Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law. Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, so as to protect citizens' right to receive material assistance from the State and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.