{"id":627,"date":"2023-10-24T03:58:50","date_gmt":"2023-10-23T19:58:50","guid":{"rendered":"https:\/\/www.hiredchina.com\/articles\/2023\/10\/24\/everything-you-need-to-know-about-chinese-social-insurance\/"},"modified":"2024-04-29T15:33:11","modified_gmt":"2024-04-29T07:33:11","slug":"chinese-social-insurance-in-china","status":"publish","type":"post","link":"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/","title":{"rendered":"Everything You Need To Know About Social Insurance in china"},"content":{"rendered":"<blockquote><p>According to Guangdong Taxation Bureau, all companies must buy social insurance for their staff including foreigners. It implies the government will go further on regulating this issue. Why are foreigners required to buy <a href=\"https:\/\/www.hiredchina.com\/jobs\">social insurance in China<\/a>?<\/p><\/blockquote>\n<p>According to\u00a0Guangdong Taxation Bureau, all companies must buy social insurance for their staff including foreigners. It implies the government will go further on regulating this issue.\u00a0<strong>Why are foreigners required to buy <a target=\"_blank\" class=\"inside_link\" href=\"https:\/\/www.hiredchina.com\/articles\/tag\/social-insurance-in-china\/\" title=\"View all posts in social insurance in China\" >social insurance in China<\/a>?<\/strong><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FiSUtoZsi8nKDLGpOqEtkCCmMHLQ?imageView2\/0\/format\/webp\/q\/75\" alt=\"1.jpg\" width=\"589\" height=\"453.3515151515152\" title=\"\"><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#The_photo_above_is_the_message_from_Guangzhou_Local_Taxation_Bureau_Photo_Hitouch\" title=\"The photo above is the message from Guangzhou\u00a0Local Taxation Bureau. Photo:Hitouch\">The photo above is the message from Guangzhou\u00a0Local Taxation Bureau. Photo:Hitouch<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#Chinese_Social_Insurance_Law\" title=\"Chinese Social Insurance Law\">Chinese Social Insurance Law<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#Companies_May_Get_Loss_If_Fail_The_Obligation\" title=\"Companies May Get Loss If Fail The Obligation\">Companies May Get Loss If Fail The Obligation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#Do_I_Have_to_Buy_Social_Insurance\" title=\"Do I Have to Buy Social Insurance?\">Do I Have to Buy Social Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#Yes\" title=\"Yes\">Yes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#What_Can_I_Do_with_Social_Insurance%EF%BC%9F\" title=\"What Can I Do with Social Insurance\uff1f\">What Can I Do with Social Insurance\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#Five_Categories_under_Social_Insurance_in_China\" title=\"Five Categories under Social Insurance in China\">Five Categories under Social Insurance in China<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.hiredchina.com\/articles\/chinese-social-insurance-in-china\/#How_to_Buy_Social_Insurance\" title=\"How to Buy Social Insurance?\">How to Buy Social Insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h5><span class=\"ez-toc-section\" id=\"The_photo_above_is_the_message_from_Guangzhou_Local_Taxation_Bureau_Photo_Hitouch\"><\/span>The photo above is the message from Guangzhou\u00a0Local Taxation Bureau. Photo:Hitouch<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<hr \/>\n<p>Guangdong Taxation Bureau starts to send the message to notice certain companies, those failed to fulfill the obligation on social insurance before.\u00a0They are required to register social insurance, make a payment and fill certain registration for their staff.<\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Chinese_Social_Insurance_Law\"><\/span><b><span style=\"color: #e33737;\"><span style=\"font-size: 18px;\">Chinese Social Insurance Law<\/span><\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\">In China, every company is required to\u00a0register social insurance at local government&#8217;s\u00a0office. Also, it&#8217;s a compulsory obligation for companies to buy social insurance\u00a0for their staff.<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 18px;\">According to Article 57 of Chinese social insurance law,\u00a0<strong>startup companies\u00a0<\/strong>are required to register social insurance at local government&#8217;s office\u00a0<strong>in 30 days<\/strong> since the date they were set up. The business license is needed for the registration.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/Fh19rIGWHajqtZKtIvy5WHX7qD_M?imageView2\/0\/format\/webp\/q\/75\" alt=\"2.jpg\" width=\"700\" height=\"947\" title=\"\"><\/p>\n<hr \/>\n<ul>\n<li><span style=\"font-size: 18px;\">According to Article 58 of Chinese social insurance law, companies should buy the social insurance for their staff\u00a0<strong>in 30 days<\/strong>\u00a0since the date they recruit that employee.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/Fg3z3QcJUU83Ys8hLWH_A1sbJ-7k?imageView2\/0\/format\/webp\/q\/75\" alt=\"3.jpg\" width=\"650\" height=\"432\" title=\"\"><\/p>\n<hr \/>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 18px; color: #964168;\">\u00a0<\/span><\/strong><\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Companies_May_Get_Loss_If_Fail_The_Obligation\"><\/span><span style=\"color: #e33737;\"><strong><span style=\"font-size: 18px;\">Companies May Get Loss If Fail The Obligation<\/span><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><span style=\"font-size: 18px;\">According to Article 23 of Chinese social insurance law, the government has the right to give a fine punishment\u00a0<strong>(from 1000 to 10,000 RMB)<\/strong>\u00a0to those company fail to fulfill the obligation of registering social insurance.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><img decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FjBVfmXPPXECxdjeK9imwBpill8E?imageView2\/0\/format\/webp\/q\/75\" alt=\"5.png\" width=\"589\" height=\"313.06303236797277\" title=\"\"><\/p>\n<ul>\n<li><span style=\"font-size: 18px;\">According to Article 38 of Chinese social insurance law, employees have the right to sue to the company to court, the company should shoulder\u00a0up all the cost, compensation and pay back the insurance for the employees.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: start;\"><img decoding=\"async\" src=\"data:image\/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVQImWNgYGBgAAAABQABh6FO1AAAAABJRU5ErkJggg==\" alt=\"\" title=\"\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FoIOqHwoaC4sw33JgvUyfn3trMmJ?imageView2\/0\/format\/webp\/q\/75\" alt=\"6.jpg\" width=\"1280\" height=\"628\" title=\"\"><\/p>\n<hr \/>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px; color: #000000;\">As the running of a\u00a0Company becomes more and more transparent to the Chinese government. Illegal behaviors\u00a0hard to escape from the law.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #e33737;\"><b>\u00a0<\/b><\/span><\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Do_I_Have_to_Buy_Social_Insurance\"><\/span><span style=\"color: #e33737;\"><b>Do I Have to Buy Social Insurance?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Yes\"><\/span><span style=\"color: #e33737;\"><strong><span style=\"font-size: 18px;\">Yes<\/span><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-size: 18px;\">If you work in China, you are required to buy social insurance. After the reform of &#8220;five certificates in one&#8221;, systems between governments are connected.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 18px;\">\u00a0<\/span><\/p>\n<p><span style=\"font-size: 18px;\">In the long term, your social insurance record in\u00a0Social Security Bureau will be submitted online shared with local Taxation Bureau, Foreign Experts Bureau, Immigration office and other government organizations.<\/span><\/p>\n<p><span style=\"font-size: 18px;\">\u00a0<\/span><\/p>\n<p><span style=\"font-size: 18px;\">It means in the future, the record of buying social insurance may be\u00a0taken\u00a0into the consideration of acquiring a work permit extension from Foreign Experts Bureau.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FjcOozQvSCgetRPKaxVMdMBX2X1G?imageView2\/0\/format\/webp\/q\/75\" alt=\"7.png\" width=\"589\" height=\"604.3895486935867\" title=\"\"><\/p>\n<hr \/>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"What_Can_I_Do_with_Social_Insurance%EF%BC%9F\"><\/span><b><span style=\"color: #e33737;\">What Can I Do with Social Insurance\uff1f<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #e33737;\"><span style=\"font-size: 18px;\"><strong>Medical Insurance<\/strong><\/span><\/span><\/p>\n<p><span style=\"color: #000000; font-size: 18px;\">Seeing a doctor in China is not cheap, but the medical insurance of the social pooling is affordable to fund you the majority of medical fees.<\/span><\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FsLoNbTvA4Xs9zYfUV5aORi-XP3t?imageView2\/0\/format\/webp\/q\/75\" alt=\"8.jpg\" width=\"1280\" height=\"640\" title=\"\"><\/p>\n<hr \/>\n<p><span style=\"font-size: 18px;\"><strong><span style=\"color: #e33737;\">\u00a0<\/span><\/strong><\/span><\/p>\n<p><span style=\"font-size: 18px;\"><strong><span style=\"color: #e33737;\">Maternity Insurance<\/span><\/strong><span style=\"color: #e33737;\"><strong>\u00a0<\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size: 18px;\">Maternity insurance is\u00a0<strong>NOT<\/strong>\u00a0just to apply for reimbursement of giving a baby or have a body check before the childbirth.<\/span><\/p>\n<p><span style=\"font-size: 18px;\">\u00a0<\/span><\/p>\n<p><span style=\"font-size: 18px;\">You can get\u00a0<strong>a big amount of maternity insurance<\/strong>\u00a0after giving a baby. That amount of money depends on a systematical calculation, check the article below.<\/span><\/p>\n<p><span style=\"font-size: 18px;\"><strong><span style=\"color: #e33737;\">Other Benefits<\/span><\/strong><\/span><\/p>\n<p><span style=\"font-size: 18px;\">With social insurance, you are also entitled to buy property in China,\u00a0like houses, vehicles;\u00a0send your children to public school;\u00a0get a <a href=\"https:\/\/dictionary.cambridge.org\/dictionary\/english\/pension\" target=\"_blank\" rel=\"noopener\">pension<\/a> after retirement or acquire alms when losing a\u00a0job&#8230;etc.<\/span><\/p>\n<p><span style=\"font-size: 18px;\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Five_Categories_under_Social_Insurance_in_China\"><\/span><b><span style=\"color: #e33737;\">Five Categories under Social Insurance in China<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: start;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FsFalvlre5Jo0eOm_9p2rGJps2zh?imageView2\/0\/format\/webp\/q\/75\" alt=\"9.png\" width=\"590\" height=\"334\" title=\"\"><\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"How_to_Buy_Social_Insurance\"><\/span><span style=\"color: #e33737;\"><b>How to Buy Social Insurance?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: center;\"><span style=\"color: #e33737;\"><strong><strong><span style=\"font-size: 18px;\">\u00a0<\/span><\/strong><\/strong><\/span><\/p>\n<p><span style=\"color: #e33737;\"><strong><strong><span style=\"font-size: 18px;\">Only one document needed<\/span><\/strong><\/strong><\/span><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\">For a foreigner, you can buy social insurance with\u00a0<strong>a work permit.<\/strong><\/span><\/p>\n<p><strong><strong><span style=\"font-size: 18px;\"><strong>\u00a0<\/strong><\/span><\/strong><\/strong><\/p>\n<p><strong><strong><span style=\"font-size: 18px;\"><strong><span style=\"color: #e33737;\">How much I need to pay?<\/span><\/strong><\/span><\/strong><\/strong><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\">Social insurance is funded through social pooling, formed from payments made by\u00a0the<\/span><strong>\u00a0employer, and employee<\/strong><strong>,\u00a0<span style=\"font-size: 18px;\">to varying base pay.\u00a0<\/span><\/strong><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\">\u00a0<\/span><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\">See the picture below, the base pay is a standard given by the government to make the calculation.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 18px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FrIG51U_ZavjXTvGoSLqH25_Zf5I?imageView2\/0\/format\/webp\/q\/75\" alt=\"10.png\" width=\"593\" height=\"444\" title=\"\"><br \/>\n<\/span><\/p>\n<hr \/>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\"><i>The calculations below are only for a\u00a0reference<\/i><\/span><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\">If your monthly salary is 10,000RMB before taxation, you need to pay:<\/span><\/p>\n<p style=\"text-align: start;\"><strong><span style=\"font-size: 18px;\">10,000*(8%+2%+0.2%)=1020RMB<\/span><\/strong><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\">Correspondently, your company needs to pay:<\/span><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\"><strong>10,000*(14%+7%+0.64%+0.4%+0.85%)<\/strong><\/span><\/p>\n<p style=\"text-align: start;\"><span style=\"font-size: 18px;\"><strong>=2289RMB<\/strong><\/span><\/p>\n<hr \/>\n<p style=\"text-align: start;\">If you need HK Company Registration and HK Company Audit help, you may find the below information helpful.<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FiT5iApF0Iu6KFv3D7KPkYU7xJyJ?imageView2\/0\/format\/webp\/q\/75\" alt=\"22.png\" width=\"589\" height=\"455.602787456446\" title=\"\"><\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FtPHFOLExCYQM5AoHwRLgZREt_ur?imageView2\/0\/format\/webp\/q\/75\" alt=\"11.png\" width=\"589\" height=\"186\" title=\"\"><\/p>\n<hr \/>\n<p style=\"text-align: center;\"><img decoding=\"async\" src=\"https:\/\/media.hiredchina.com\/FlXXlKXBxtykYAuKbjvAxKMwIbVH?imageView2\/0\/format\/webp\/q\/75\" alt=\"GIC.jpg\" width=\"500\" height=\"543.2937181663837\" title=\"\"><\/p>\n","protected":false},"excerpt":{"rendered":"According to Guangdong Taxation Bureau, all companies must buy social insurance for their staff including foreigners. It implies the government will go further on regulating this issue. Why are foreigners &#8230;","protected":false},"author":1,"featured_media":7360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[60,29,285],"class_list":["post-627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pro-tips","tag-china","tag-jobs","tag-social-insurance-in-china"],"_links":{"self":[{"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/posts\/627","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/comments?post=627"}],"version-history":[{"count":1,"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/posts\/627\/revisions"}],"predecessor-version":[{"id":7361,"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/posts\/627\/revisions\/7361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/media\/7360"}],"wp:attachment":[{"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/media?parent=627"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/categories?post=627"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hiredchina.com\/articles\/wp-json\/wp\/v2\/tags?post=627"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}