1、【Title】 Social Insurance Law of the Peoples Republic of China Effective 【法规标题】中华人民共和国社会保险法 现行有效 【法宝引证码】 CLI.1.139683(EN)Date issued: 10-28-2010 发布日期： 2010-10-28 Effective date: 07-01-2011 生效日期： 2011-07-01 Issuing authority: Standing Committee of the National Peoples Congress 发布部门： 全国人大常委会 Area of la
2、w: Civil Affairs 类别： 民政 Document Number: Order No. 35 of the President of the Peoples Republic of China 发文字号： 主席令第35号 Order of the President of the Peoples Republic of China(No. 35)The Social Insurance Law of the Peoples Republic of China, adopted at the 17th meeting of the Standing Committee of the
3、 11th National Peoples Congress of the Peoples Republic of China on October 28, 2010, is hereby promulgated and shall come into force on July 1, 2011.Hu Jintao, President of the Peoples Republic of ChinaOctober 28, 2010Social Insurance Law of the Peoples Republic of China(Adopted at the 17th meeting
4、 of the Standing Committee of the 11th National Peoples Congress on October 28, 2010)Contents Chapter I General Provisions Chapter II Basic Endowment Insurance Chapter III Basic Medical Insurance Chapter IV Employment Injury Insurance Chapter V Unemployment Insurance Chapter VI Maternity Insurance C
5、hapter VII Collection and Payment of Social Insurance Premiums Chapter VIII Social Insurance FundsChapter IX Social Insurance AgenciesChapter X Social Insurance SupervisionChapter XI Legal LiabilitiesChapter XII Supplementary Provisions 中华人民共和国主席令（第三十五号）中华人民共和国社会保险法已由中华人民共和国第十一届全国人民代表大会常务委员会第十七次会议于2
6、010年10月28日通过，现予公布，自2011年7月1日起施行。中华人民共和国主席 胡锦涛2010年10月28日中华人民共和国社会保险法（2010年10月28日第十一届全国人民代表大会常务委员会第十七次会议通过）目录第一章 总 则第二章 基本养老保险第三章 基本医疗保险第四章 工伤保险第五章 失业保险第六章 生育保险第七章 社会保险费征缴第八章 社会保险基金第九章 社会保险经办第十章 社会保险监督第十一章 法律责任第十二章 附 则Chapter I General Provisions 第一章 总 则Article 1 This Law is formulated in accordance
7、with the Constitution for purposes of regulating social insurance relations, protecting the legitimate rights and interests of citizens participating in social insurance and enjoying social insurance benefits, enabling citizens to share the achievements of development and promoting social harmony an
8、d stability.第一条 为了规范社会保险关系，维护公民参加社会保险和享受社会保险待遇的合法权益，使公民共享发展成果，促进社会和谐稳定，根据宪法，制定本法。Article 2 The state shall establish a social insurance system including basic endowment insurance, basic medical insurance, employment injury insurance, unemployment insurance and maternity insurance to guarantee the ri
9、ghts of citizens to legally obtain material assistance from the state and society in case of old age, illness, work-related injuries, unemployment and childbirth.第二条 国家建立基本养老保险、基本医疗保险、工伤保险、失业保险、生育保险等社会保险制度，保障公民在年老、疾病、工伤、失业、生育等情况下依法从国家和社会获得物质帮助的权利。Article 3 The social insurance system shall adhere to
10、 the guidelines of “broad coverage, basic insurance, multiple levels and sustainability,” and the social insurance level shall be commensurate with the economic and social development level. 第三条 社会保险制度坚持广覆盖、保基本、多层次、可持续的方针，社会保险水平应当与经济社会发展水平相适应。Article 4 Employers and individuals within the territory
11、of the Peoples Republic of China shall pay social insurance premiums in accordance with law, and have the rights to inquire about their premium contribution records and personal benefit records and request social insurance agencies to provide social insurance consultation and other relevant services
12、.Individuals shall enjoy social insurance benefits in accordance with law, and have the right to oversee the premium payments made for them by their employers.第四条 中华人民共和国境内的用人单位和个人依法缴纳社会保险费，有权查询缴费记录、个人权益记录，要求社会保险经办机构提供社会保险咨询等相关服务。个人依法享受社会保险待遇，有权监督本单位为其缴费情况。Article 5 The peoples governments at and ab
13、ove the county level shall include social insurance in their national economic and social development planning. The state shall raise social insurance funds through various channels. The peoples governments at and above the county level shall provide necessary fund support for social insurance. The
14、state shall provide support for social insurance through preferential tax polices.第五条 县级以上人民政府将社会保险事业纳入国民经济和社会发展规划。国家多渠道筹集社会保险资金。县级以上人民政府对社会保险事业给予必要的经费支持。国家通过税收优惠政策支持社会保险事业。Article 6 The state shall conduct strict supervision and administration of social insurance funds.The State Council and the peo
15、ples governments of provinces, autonomous regions and municipalities directly under the Central Government shall establish and improve the supervision and administration system for social insurance funds to ensure the safe and effective operation of social insurance funds.The peoples governments at
16、and above the county level shall take measures to encourage and support participation in the supervision of social insurance funds by all quarters of the society.第六条 国家对社会保险基金实行严格监管。国务院和省、自治区、直辖市人民政府建立健全社会保险基金监督管理制度，保障社会保险基金安全、有效运行。县级以上人民政府采取措施，鼓励和支持社会各方面参与社会保险基金的监督。Article 7 The social insurance ad
17、ministrative department under the State Council shall be responsible for the social insurance administration throughout the country, and other relevant departments under the State Council shall be responsible for the relevant social insurance work within their respective functions.The social insuran
18、ce administrative departments under the local peoples governments at and above the county level shall be responsible for the social insurance administration within their respective administrative regions, and other relevant departments of the local peoples governments at and above the county level s
19、hall be responsible for the relevant social insurance work within their respective functions. 第七条 国务院社会保险行政部门负责全国的社会保险管理工作，国务院其他有关部门在各自的职责范围内负责有关的社会保险工作。县级以上地方人民政府社会保险行政部门负责本行政区域的社会保险管理工作，县级以上地方人民政府其他有关部门在各自的职责范围内负责有关的社会保险工作。Article 8 Social insurance agencies shall provide social insurance services
20、, responsible for social insurance registration, personal benefit records, payment of social insurance benefits and other work.第八条 社会保险经办机构提供社会保险服务，负责社会保险登记、个人权益记录、社会保险待遇支付等工作。Article 9 Trade unions shall safeguard the legitimate rights and interests of employees in accordance with law, and have rig
21、hts to participate in the research on major social insurance issues and sit on social insurance regulatory committees to oversee issues related to the social insurance rights and interests of employees.第九条 工会依法维护职工的合法权益，有权参与社会保险重大事项的研究，参加社会保险监督委员会，对与职工社会保险权益有关的事项进行监督。Chapter II Basic Endowment Insur
22、ance 第二章 基本养老保险Article 10 Employees shall participate in the basic endowment insurance, and the basic endowment insurance premiums shall be jointly paid by employers and employees. Individual industrial and commercial households without employees, part-time employees not participating in the basic e
23、ndowment insurance through their employers and other persons in flexible employment may participate in the basic endowment insurance, but shall pay the basic endowment insurance premiums themselves. The endowment insurance measures for civil servants and staff governed analogically by the Civil Serv
24、ant Law shall be formulated by the State Council. 第十条 职工应当参加基本养老保险，由用人单位和职工共同缴纳基本养老保险费。无雇工的个体工商户、未在用人单位参加基本养老保险的非全日制从业人员以及其他灵活就业人员可以参加基本养老保险，由个人缴纳基本养老保险费。公务员和参照公务员法管理的工作人员养老保险的办法由国务院规定。Article 11 The combination of general social planning and personal accounts shall apply to the basic endowment insu
25、rance.The basic endowment insurance funds shall comprise contributions made by employers and individuals, as well as government subsidies.第十一条 基本养老保险实行社会统筹与个人账户相结合。基本养老保险基金由用人单位和个人缴费以及政府补贴等组成。Article 12 An employer shall, as per the percentage of the total wages of its employees prescribed by the st
26、ate, pay the basic endowment insurance premiums, which shall be included in the general funds of basic endowment insurance.Employees shall, as per the percentage of their wages prescribed by the state, pay the basic endowment insurance premiums, which shall be included in the personal accounts. Wher
27、e individual industrial and commercial households without employees, part-time employees not participating in the basic endowment insurance through their employers and other persons in flexible employment participate in the basic endowment insurance, they shall pay the basic endowment insurance prem
28、iums in accordance with the relevant provisions of the state, which shall be included in the general basic endowment insurance funds and their personal accounts respectively.第十二条 用人单位应当按照国家规定的本单位职工工资总额的比例缴纳基本养老保险费，记入基本养老保险统筹基金。职工应当按照国家规定的本人工资的比例缴纳基本养老保险费，记入个人账户。无雇工的个体工商户、未在用人单位参加基本养老保险的非全日制从业人员以及其他灵
29、活就业人员参加基本养老保险的，应当按照国家规定缴纳基本养老保险费，分别记入基本养老保险统筹基金和个人账户。Article 13 The basic endowment insurance premiums payable during the period in which the premiums are deemed to have been paid before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance sha
30、ll be assumed by the government.When the basic endowment insurance funds are insufficient for payment, the government shall provide subsidies. 第十三条 国有企业、事业单位职工参加基本养老保险前，视同缴费年限期间应当缴纳的基本养老保险费由政府承担。基本养老保险基金出现支付不足时，政府给予补贴。Article 14 No early withdrawal from the personal account shall be allowed, the rec
31、ording interest rate shall not be lower than the interest rate for time deposit in banks, and the personal accounts shall be exempted from interest tax. When an individual deceases, the balance in his/her personal account may be inherited.第十四条 个人账户不得提前支取，记账利率不得低于银行定期存款利率，免征利息税。个人死亡的，个人账户余额可以继承。Artic
32、le 15 Basic pension shall comprise general pension and personal account pension.Basic pension shall be determined on the basis of the cumulative personal contribution period, contribution wages, average wages of local employees, amount in personal account, average life expectancy of urban population
33、 and other factors. 第十五条 基本养老金由统筹养老金和个人账户养老金组成。基本养老金根据个人累计缴费年限、缴费工资、当地职工平均工资、个人账户金额、城镇人口平均预期寿命等因素确定。Article 16 An individual participating in the basic endowment insurance shall receive a monthly basic pension provided that he/she has contributed premiums for a cumulative period of 15 years or more
34、when he/she reaches the statutory retirement age. Where an individual participating in the basic endowment insurance has contributed premiums for a cumulative period under 15 years when he/she reaches the statutory retirement age, he/she shall receive a monthly basic pension after having contributed
35、 premiums for 15 years; or his/her insurance relationship may be transferred into the new-type social endowment insurance for rural areas or social endowment insurance for urban residents, and he/she shall enjoy the corresponding endowment insurance benefits in accordance with the relevant provision
36、s of the State Council. 第十六条 参加基本养老保险的个人，达到法定退休年龄时累计缴费满十五年的，按月领取基本养老金。参加基本养老保险的个人，达到法定退休年龄时累计缴费不足十五年的，可以缴费至满十五年，按月领取基本养老金；也可以转入新型农村社会养老保险或者城镇居民社会养老保险，按照国务院规定享受相应的养老保险待遇。Article 17 Where an individual participating in the basic endowment insurance deceases for illness or any non-work-related reason,
37、his/her surviving family members may receive funeral subsidies and condolence money. Where the individual becomes disabled for illness or any non-work-related reason and completely loses the ability to work when he/she has not reached the statutory retirement age, he/she may receive illness and disa
38、bility allowances. The funds needed shall be paid from the basic endowment insurance funds.第十七条 参加基本养老保险的个人，因病或者非因工死亡的，其遗属可以领取丧葬补助金和抚恤金；在未达到法定退休年龄时因病或者非因工致残完全丧失劳动能力的，可以领取病残津贴。所需资金从基本养老保险基金中支付。Article 18 The state shall establish a normal adjustment mechanism for basic pension, and raise the level of
39、 basic endowment insurance benefits at proper time in consideration of the growth of average wages of employees and price rise.第十八条 国家建立基本养老金正常调整机制。根据职工平均工资增长、物价上涨情况，适时提高基本养老保险待遇水平。Article 19 Where an individual is employed in a different overall planning area, his/her basic endowment insurance rela
40、tionship shall be transferred with him/her, and the contribution period shall be calculated on a cumulative basis. When the individual reaches the statutory retirement age, his/her basic pension shall be calculated by segment but be paid in a unified way. The specific measures shall be formulated by
41、 the State Council.第十九条 个人跨统筹地区就业的，其基本养老保险关系随本人转移，缴费年限累计计算。个人达到法定退休年龄时，基本养老金分段计算、统一支付。具体办法由国务院规定。Article 20 The state shall establish and improve a new-type social endowment insurance system for rural areas.The combination of personal contributions, collective subsidies and government subsidies shal
42、l apply to the new-type social endowment insurance for rural areas. 第二十条 国家建立和完善新型农村社会养老保险制度。新型农村社会养老保险实行个人缴费、集体补助和政府补贴相结合。Article 21 The new-type social endowment insurance benefits for rural areas shall comprise base pension and personal account pension.Rural residents participating in the new-typ
43、e social endowment insurance for rural areas shall receive monthly new-type social endowment insurance benefits for rural areas provided that they meet the conditions prescribed by the state. 第二十一条 新型农村社会养老保险待遇由基础养老金和个人账户养老金组成。参加新型农村社会养老保险的农村居民，符合国家规定条件的，按月领取新型农村社会养老保险待遇。Article 22 The state shall e
44、stablish and improve a social endowment insurance system for urban residents. The peoples governments of provinces, autonomous regions and municipalities directly under the Central Government may, in light of the actualities, integrate the social endowment insurance for urban residents and the new-t
45、ype social endowment insurance for rural areas in implementation. 第二十二条 国家建立和完善城镇居民社会养老保险制度。省、自治区、直辖市人民政府根据实际情况，可以将城镇居民社会养老保险和新型农村社会养老保险合并实施。Chapter III Basic Medical Insurance 第三章 基本医疗保险Article 23 Employees shall participate in the basic medical insurance for employees, and the basic medical insura
46、nce premiums shall be jointly paid by employers and employees in accordance with the relevant provisions of the state. Individual industrial and commercial households without employees, part-time employees not participating in the basic medical insurance for employees through their employers and oth
47、er persons in flexible employment may participate in the basic medical insurance for employees, but the basic medical insurance premiums shall be paid by the individuals in accordance with the relevant provisions of the state. 第二十三条 职工应当参加职工基本医疗保险，由用人单位和职工按照国家规定共同缴纳基本医疗保险费。无雇工的个体工商户、未在用人单位参加职工基本医疗保险
48、的非全日制从业人员以及其他灵活就业人员可以参加职工基本医疗保险，由个人按照国家规定缴纳基本医疗保险费。Article 24 The state shall establish and improve a new-type rural cooperative medical care system. The measures for the administration of the new-type rural cooperative medical care shall be formulated by the State Council. 第二十四条 国家建立和完善新型农村合作医疗制度。新型农村
