First, there are two ways for fresh graduates to pay social security.
1, medical insurance for urban workers
(1) Prepare my ID card, household registration book, education certificate, one-inch bareheaded photo and other related materials and submit them to the employer;
(2) The relevant staff of the employer bring it to the local social security system to apply for social security registration;
(3) Then I can take my ID card to the local social security bureau to get my social security card.
2. Pay social security for flexible employees.
(1) Submit the application materials to the social security bureau where the household registration is located;
(2) The handling personnel shall review the application identification materials;
(3) After the examination and approval, go through the insurance formalities directly, and print the Approval Form for Flexible Employment Personnel to Participate in the Basic Old-age Insurance (in duplicate).
It should be noted that flexible employees can only participate in pension insurance and medical insurance when they participate in social security.
Second, the collection method of social insurance premiums
1, proportional insurance system
This method is based on the wage income of the insured, and a certain proportion is stipulated to collect insurance premiums. Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation. The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment.
2. Equal insurance premium system
That is, regardless of the income of the insured or his employer, the insurance premium of the same amount should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, countries that collect insurance premiums in this way generally adopt an equal share system when paying fees, which is of equal significance. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: People's Republic of China (PRC) Social Insurance Law.
Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. All social insurance funds shall be accounted for according to the types of social insurance, and a unified national accounting system shall be implemented.
The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.
The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.