很多国家都会有社保福利，中国也不例外。
Many countries have social insurances and benefits, so does China.
在中国，用人单位和劳动者必须依法参加社会保险，缴纳社会保险费。
In China, employers and workers must participate in social insurance and pay premiums according to law.
凡是在中国境内注册的单位，都必须为员工缴纳社保，包括养老保险、医疗保险、生育保险、失业保险、工伤保险。
All units registered in China should pay social insurance for their employees, including basic endowment insurance, medical insurance, maternity insurance, unemployment insurance and work-related injury insurance.
Can foreigners also be insured in China?
当然可以！这里提到的“劳动者”和“员工”不仅指中国籍员工，同时也包括在华工作的外籍人士。
Certainly. The "workers" and "employees" mentioned here refer not only to Chinese employees, but also to foreigners working in China.
1️⃣ 依法获得《外国人来华工作许可证》、《外国常驻记者证》等就业证件和外国人居留证件，并在我国境内合法就业的非中国国籍人员。
Non-Chinese nationals who have obtained employment certificates such as foreigner's work permit in China, Permit for Foreign Resident Reporters and foreigner's residence permit and are legally employed.
2️⃣ 持有《外国人永久居留证》，并在我国境内合法就业的非中国国籍人员。
Non-Chinese nationals who hold the permanent residence ID card and legally employed.
3️⃣ 与境外雇主订立雇用合同后，被派遣到在中国境内注册或者登记的分支机构、代表机构（以下称境内工作单位）工作的外国人。
Foreigners who, after concluding an employment contract with an overseas employer, are dispatched to work in a branch or representative office registered in China.
As for the insurance premium, it depends on your social insurance base.
职工缴纳社保基数按上年本人月平均工资确定，缴费基数不得低于上年全省平均工资的60%，不得高于上年全省平均工资的300%。
The base of social insurance paid shall be determined according to employees’ average monthly salary of the previous year. The payment base shall not be lower than 60% of the provincial average salary of the previous year and shall not be higher than 300% of the provincial average salary of the previous year.
很多公司为了节省成本，都会选择按照最低基数2300元/月为员工缴纳社保费用。
To reduce costs, many companies will choose to pay social insurance premiums for employees at a minimum base of 2300 yuan/month.
社会保险费由工作单位与员工共同承担，个人承担的部分由单位从本人工资中代扣代缴。
The social insurance premium is jointly borne by the work unit and the employee, and the part borne by the employee shall be withheld and remitted by the unit from his/her salary.
社保费用并不是固定不变的，每月会有所上升或下降。以最低工资2300元为例，2022年12月单位部分承担946.38元，比11月降低了 135.08元，个人部分承担477.82元，比11月降低了 38.1元。
The premium is not fixed. It will see increase or decrease. Taking the minimum salary of 2300 yuan as an example, in December 2022, the social insurance premium borne by employer will be 946.38 yuan, with a drop of 135.08 yuan compared to November, and 477.82 yuan for employee with a drop of 38.1 yuan.
但很多外国朋友虽然在中国工作了很多年，但却从来没有买过社保，觉得自己迟早要离开中国，回到自己国家去的，那在中国买社保不就白费钱了吗？
But many foreigners have worked in China for many years, but they have never participated in social insurance. “I will leave China sooner or later and return to my country. Isn't it a waste of money to buy social insurance in China?”
这个想法可就错了，社保可不止是养老保险，还包括医保、失业保险等等，并不是要等你退休了才有用的。
Wrong！Social insurance can be a money saver for you too!
工伤保险可用于支付工伤医疗费用、生活护理费、伤残补助、伤残津贴；
生育保险更是为职业女性在生育期间提供物质保障和医疗服务。
You can get reimbursement if you see a doctor with medical insurance, and also you can buy medicine in the pharmacy using the money in your medical insurance account. If you lose your job, unemployment insurance benefits might help you a lot. Work-related injury insurance equals medical expenses, living care expenses, disability subsidies and disability allowances when you get injured during work. Maternity insurance provides material security and medical services when you (or your wife) are having a baby.
另外，虽然在中国购买的社保不能转回自己国家，但如果在达到法定的领取养老金条件前离境的，其养老保险个人账户予以保留，再次来中国就业的，缴费年限累计计算；经本人书面申请终止养老保险关系的，也可以将其养老保险个人账户储存额一次性支付给本人。
What’s more, for those who leave China before meeting the statutory pension conditions, their pension insurance personal accounts shall be retained. When come to China for employment again, the payment years shall be calculated cumulatively; If the pension insurance relationship is terminated by written application, the amount stored in his individual account of pension insurance may also be paid to the person in a lump sum.
有的人则是因为公司拒绝购买社保，但工作单位为员工缴纳社保是法律规定的，一切不缴纳或者不足额缴纳社会保险费的行为均为法律所禁止的违法行为。
Some are because their employers refuse to pay social insurance. But the employer is legally required to pay social insurance for employees. All acts of not paying or not paying social insurance premiums in full are illegal acts prohibited by law.
Article 72 of Chapter VII of the Labor Law of the People's Republic of China
Article 97 of Chapter 12 of the Social Insurance Law of the People's Republic of China
只要存在劳动关系，企业就应该为员工办理社保，所以入职时一定要与单位签订合同，一旦发生了纠纷，合同可以作为职工与单位形成劳动关系的凭证。
As long as there is a labor relationship, the enterprise should pay social insurance for employees. Therefore, it is necessary for you to sign a labor contract with your employer. Once a dispute occurs, the contract can be used as a proof of the labor relationship between two parties.
如果单位不给办理社保，可以前往企业所在地的劳动仲裁机构，提出仲裁，要求企业补办社保或提供经济赔偿。
If your employer refuse to pay your social insurance, you can go to the labor arbitration institution where the enterprise is located to request arbitration.
万一入职时没有签订合同，也可以将历年的工资条、盖了章的证明、工作服装等各种可以证明与单位有劳动关系的材料，保存下来，作为仲裁证据。
In case no contract is signed, the salary slip, stamped certificate, work clothes and other documents that can prove the labor relationship between you and your employer can also be collected as evidence for arbitration.
要注意的是，外籍人员参保的前提是合法就业，非法就业是不受任何法律保护的，别说是买社保了，就算是雇主拒付工资，你也申请不了劳动仲裁。
But it should be noted that the premise for foreigners to participate in social insurance is that he/she is legally working in China. Illegal employment is not protected by any law here. Even if your employer refuses to pay wages, you cannot apply for labor arbitration.
外国人要想在华合法就业，就需要持有有效的就业卡。很多城市也都开始要求在申请就业卡延期时提供社会保险参保证明。
A valid work permit is what you need for legal employment in China. Many cities have begun to require that proof of participation in social insurance be provided when applying for extension of work permit.
所以，外籍员工参保十分有必要！
Therefore, it is necessary for foreign employees to participate in social insurance!
瀚客在申请来华签证、在华居留方面有着丰富经验，如有疑问，欢迎咨询！
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