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Order of the President of the People's Republic of China
(No. 35)
The Social Insurance Law of the People's Republic of China, adopted at the 17th meeting of the Standing Committee of the 11th National People's Congress of the People's Republic of China on October 28, 2010, is hereby promulgated and shall come into force on July 1, 2011.
Hu Jintao, President of the People's Republic of China
October 28, 2010
Social Insurance Law of the People's Republic of China
(Adopted at the 17th meeting of the Standing Committee of the 11th National People's Congress on October 28, 2010)
| | 中華人民共和國主席令
（第三十五號）
《中華人民共和國社會保險法》已由中華人民共和國第十一屆全國人民代表大會常務委員會第十七次會議于2010年10月28日通過，現予公布，自2011年7月1日起施行。
中華人民共和國主席 胡錦濤
2010年10月28日
中華人民共和國社會保險法
（2010年10月28日第十一屆全國人民代表大會常務委員會第十七次會議通過）
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Contents
| | 目錄
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Chapter I General Provisions
| | 第一章 總 則
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Chapter II Basic Endowment Insurance
| | 第二章 基本養老保險
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Chapter III Basic Medical Insurance
| | 第三章 基本醫療保險
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Chapter IV Employment Injury Insurance
| | 第四章 工傷保險
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Chapter V Unemployment Insurance
| | 第五章 失業保險
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Chapter VI Maternity Insurance
| | 第六章 生育保險
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Chapter VII Collection and Payment of Social Insurance Premiums
| | 第七章 社會保險費征繳
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Chapter VIII Social Insurance Funds
| | 第八章 社會保險基金
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Chapter IX Social Insurance Agencies
| | 第九章 社會保險經辦
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Chapter X Social Insurance Supervision
| | 第十章 社會保險監督
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Chapter XI Legal Liabilities
| | 第十一章 法律責任
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Chapter XII Supplementary Provisions
| | 第十二章 附 則
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Chapter I General Provisions
| | 第一章 總 則
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Article 1 This Law is formulated in accordance 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 and stability.
| | 第一條 為了規範社會保險關系，維護公民參加社會保險和享受社會保險待遇的合法權益，使公民共享發展成果，促進社會和諧穩定，根據憲法，制定本法。
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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 rights of citizens to legally obtain material assistance from the state and society in case of old age, illness, work-related injuries, unemployment and childbirth.
| | 第二條 國家建立基本養老保險、基本醫療保險、工傷保險、失業保險、生育保險等社會保險制度，保障公民在年老、疾病、工傷、失業、生育等情況下依法從國家和社會獲得物質幫助的權利。
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Article 3 The social insurance system shall adhere to 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.
| | 第三條 社會保險制度堅持廣覆蓋、保基本、多層次、可持續的方針，社會保險水平應當與經濟社會發展水平相適應。
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Article 4 Employers and individuals within the territory of the People's 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.
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.
| | 第四條 中華人民共和國境內的用人單位和個人依法繳納社會保險費，有權查詢繳費記錄、個人權益記錄，要求社會保險經辦機構提供社會保險咨詢等相關服務。
個人依法享受社會保險待遇，有權監督本單位為其繳費情況。
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Article 5 The people's governments at and above 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 people's governments at and above the county level shall provide necessary fund support for social insurance.
The state shall provide support for social insurance through preferential tax polices.
| | 第五條 縣級以上人民政府將社會保險事業納入國民經濟和社會發展規劃。
國家多渠道籌集社會保險資金。縣級以上人民政府對社會保險事業給予必要的經費支持。
國家通過稅收優惠政策支持社會保險事業。
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Article 6 The state shall conduct strict supervision and administration of social insurance funds.
The State Council and the people's 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 people's governments at 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.
| | 第六條 國家對社會保險基金實行嚴格監管。
國務院和省、自治區、直轄市人民政府建立健全社會保險基金監督管理制度，保障社會保險基金安全、有效運行。
縣級以上人民政府采取措施，鼓勵和支持社會各方面參與社會保險基金的監督。
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Article 7 The social insurance administrative 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 insurance administrative departments under the local people's 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 people's governments at and above the county level shall be responsible for the relevant social insurance work within their respective functions.
| | 第七條 國務院社會保險行政部門負責全國的社會保險管理工作，國務院其他有關部門在各自的職責範圍內負責有關的社會保險工作。
縣級以上地方人民政府社會保險行政部門負責本行政區域的社會保險管理工作，縣級以上地方人民政府其他有關部門在各自的職責範圍內負責有關的社會保險工作。
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Article 8 Social insurance agencies shall provide social insurance services, responsible for social insurance registration, personal benefit records, payment of social insurance benefits and other work.
| | 第八條 社會保險經辦機構提供社會保險服務，負責社會保險登記、個人權益記錄、社會保險待遇支付等工作。
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Article 9 Trade unions shall safeguard the legitimate rights and interests of employees in accordance with law, and have rights 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.
| | 第九條 工會依法維護職工的合法權益，有權參與社會保險重大事項的研究，參加社會保險監督委員會，對與職工社會保險權益有關的事項進行監督。
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Chapter II Basic Endowment Insurance
| | 第二章 基本養老保險
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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 endowment 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 Servant Law shall be formulated by the State Council.
| | 第十條 職工應當參加基本養老保險，由用人單位和職工共同繳納基本養老保險費。
無雇工的個體工商戶、未在用人單位參加基本養老保險的非全日制從業人員以及其他靈活就業人員可以參加基本養老保險，由個人繳納基本養老保險費。
公務員和參照公務員法管理的工作人員養老保險的辦法由國務院規定。
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Article 11 The combination of general social planning and personal accounts shall apply to the basic endowment insurance.
The basic endowment insurance funds shall comprise contributions made by employers and individuals, as well as government subsidies.
| | 第十一條 基本養老保險實行社會統籌與個人賬戶相結合。
基本養老保險基金由用人單位和個人繳費以及政府補貼等組成。
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Article 12 An employer shall, as per the percentage of the total wages of its employees prescribed by the state, 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.
Where 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 premiums 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.
| | 第十二條 用人單位應當按照國家規定的本單位職工工資總額的比例繳納基本養老保險費，記入基本養老保險統籌基金。
職工應當按照國家規定的本人工資的比例繳納基本養老保險費，記入個人賬戶。
無雇工的個體工商戶、未在用人單位參加基本養老保險的非全日制從業人員以及其他靈活就業人員參加基本養老保險的，應當按照國家規定繳納基本養老保險費，分別記入基本養老保險統籌基金和個人賬戶。
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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 shall be assumed by the government.
When the basic endowment insurance funds are insufficient for payment, the government shall provide subsidies.
| | 第十三條 國有企業、事業單位職工參加基本養老保險前，視同繳費年限期間應當繳納的基本養老保險費由政府承擔。
基本養老保險基金出現支付不足時，政府給予補貼。
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Article 14 No early withdrawal from the personal account shall be allowed, the recording 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.
| | 第十四條 個人賬戶不得提前支取，記賬利率不得低于銀行定期存款利率，免征利息稅。個人死亡的，個人賬戶余額可以繼承。
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Article 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 and other factors.
| | 第十五條 基本養老金由統籌養老金和個人賬戶養老金組成。
基本養老金根據個人累計繳費年限、繳費工資、當地職工平均工資、個人賬戶金額、城鎮人口平均預期壽命等因素確定。
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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 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 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 provisions of the State Council.
| | 第十六條 參加基本養老保險的個人，達到法定退休年齡時累計繳費滿十五年的，按月領取基本養老金。
參加基本養老保險的個人，達到法定退休年齡時累計繳費不足十五年的，可以繳費至滿十五年，按月領取基本養老金；也可以轉入新型農村社會養老保險或者城鎮居民社會養老保險，按照國務院規定享受相應的養老保險待遇。
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Article 17 Where an individual participating in the basic endowment insurance deceases for illness or any non-work-related reason, 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 disability allowances. The funds needed shall be paid from the basic endowment insurance funds.
| | 第十七條 參加基本養老保險的個人，因病或者非因工死亡的，其遺屬可以領取喪葬補助金和撫恤金；在未達到法定退休年齡時因病或者非因工致殘完全喪失勞動能力的，可以領取病殘津貼。所需資金從基本養老保險基金中支付。
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Article 18 The state shall establish a normal adjustment mechanism for basic pension, and raise the level of basic endowment insurance benefits at proper time in consideration of the growth of average wages of employees and price rise.
| | 第十八條 國家建立基本養老金正常調整機制。根據職工平均工資增長、物價上漲情況，適時提高基本養老保險待遇水平。
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Article 19 Where an individual is employed in a different overall planning area, his/her basic endowment insurance relationship 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 the State Council.
| | 第十九條 個人跨統籌地區就業的，其基本養老保險關系隨本人轉移，繳費年限累計計算。個人達到法定退休年齡時，基本養老金分段計算、統一支付。具體辦法由國務院規定。
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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 shall apply to the new-type social endowment insurance for rural areas.
| | 第二十條 國家建立和完善新型農村社會養老保險制度。
新型農村社會養老保險實行個人繳費、集體補助和政府補貼相結合。
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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-type 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.
| | 第二十一條 新型農村社會養老保險待遇由基礎養老金和個人賬戶養老金組成。
參加新型農村社會養老保險的農村居民，符合國家規定條件的，按月領取新型農村社會養老保險待遇。
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Article 22 The state shall establish and improve a social endowment insurance system for urban residents.
The people's 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-type social endowment insurance for rural areas in implementation.
| | 第二十二條 國家建立和完善城鎮居民社會養老保險制度。
省、自治區、直轄市人民政府根據實際情況，可以將城鎮居民社會養老保險和新型農村社會養老保險合並實施。
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Chapter III Basic Medical Insurance
| | 第三章 基本醫療保險
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Article 23 Employees shall participate in the basic medical insurance for employees, and the basic medical insurance 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 other 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.
| | 第二十三條 職工應當參加職工基本醫療保險，由用人單位和職工按照國家規定共同繳納基本醫療保險費。
無雇工的個體工商戶、未在用人單位參加職工基本醫療保險的非全日制從業人員以及其他靈活就業人員可以參加職工基本醫療保險，由個人按照國家規定繳納基本醫療保險費。
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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.
| | 第二十四條 國家建立和完善新型農村合作醫療制度。
新型農村合作醫療的管理辦法，由國務院規定。
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Article 25 The state shall establish and improve a basic medical insurance system for urban residents.
The combination of personal contributions and government subsidies shall apply to the basic medical insurance for urban residents.
For the persons enjoying the minimum living safeguard, the disabled persons who have lost the ability to work and the seniors aged 60 years or more and minors of low-income families, their personal contributions shall be subsidized by the government.
| | 第二十五條 國家建立和完善城鎮居民基本醫療保險制度。
城鎮居民基本醫療保險實行個人繳費和政府補貼相結合。
享受最低生活保障的人、喪失勞動能力的殘疾人、低收入家庭六十周歲以上的老年人和未成年人等所需個人繳費部分，由政府給予補貼。
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Article 26 The standards of benefits of the basic medical insurance for employees, new-type rural cooperative medical care and basic medical insurance for urban residents shall be governed by the relevant provisions of the state.
| | 第二十六條 職工基本醫療保險、新型農村合作醫療和城鎮居民基本醫療保險的待遇標准按照國家規定執行。
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Article 27 Where an individual participating in the basic medical insurance for employees has paid premiums for a cumulative period reaching the number of years prescribed by the state when he/she reaches the statutory retirement age, he/she need not pay the basic medical insurance premiums any more after retirement, and shall enjoy the basic medical insurance benefits according to the relevant provisions of the state; or if the number of years prescribed by the state is not reached, he/she may pay premiums until the number of years prescribed by the state is reached.
| | 第二十七條 參加職工基本醫療保險的個人，達到法定退休年齡時累計繳費達到國家規定年限的，退休後不再繳納基本醫療保險費，按照國家規定享受基本醫療保險待遇；未達到國家規定年限的，可以繳費至國家規定年限。
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Article 28 Medical expenses in conformity with the drug catalogue, diagnosis and treatment items and medical care service facilities standards for the basic medical insurance and medical expenses for emergency treatment or rescue shall be paid from the basic medical insurance funds according to the relevant provisions of the state.
| | 第二十八條 符合基本醫療保險藥品目錄、診療項目、醫療服務設施標准以及急診、搶救的醫療費用，按照國家規定從基本醫療保險基金中支付。
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Article 29 The part of medical expenses of the insured payable from the basic medical insurance funds shall be directly settled by the social insurance agencies with the medical institutions or pharmaceutical business entities.
Social insurance administrative departments and health administrative departments shall establish a system for the settlement of medical expenses incurred at different places to provide conveniences for the insured to enjoy his/her basic medical insurance benefits.
| | 第二十九條 參保人員醫療費用中應當由基本醫療保險基金支付的部分，由社會保險經辦機構與醫療機構、藥品經營單位直接結算。
社會保險行政部門和衛生行政部門應當建立異地就醫醫療費用結算制度，方便參保人員享受基本醫療保險待遇。
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Article 30 The following medical expenses shall not be included in the payment scope of the basic medical insurance funds:
| | 第三十條 下列醫療費用不納入基本醫療保險基金支付範圍：
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(1) expenses payable from the employment injury insurance funds;
| | （一）應當從工傷保險基金中支付的；
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(2) expenses assumed by a third party;
| | （二）應當由第三人負擔的；
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(3) expenses assumed by the public health; and
| | （三）應當由公共衛生負擔的；
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(4) expenses for overseas medical treatment.
Where the medical expenses shall be assumed by a third party in accordance with law, but the third party fails to pay or cannot be determined, the medical expenses shall be prepaid from the basic medical insurance funds. The basic medical insurance funds shall be entitled to be reimbursed by the third party after prepayment.
| | （四）在境外就醫的。
醫療費用依法應當由第三人負擔，第三人不支付或者無法確定第三人的，由基本醫療保險基金先行支付。基本醫療保險基金先行支付後，有權向第三人追償。
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Article 31 Social insurance agencies may, as needed for their management of services, conclude service agreements with medical institutions and pharmaceutical business entities to regulate medical services.
Medical institutions shall provide reasonable and necessary medical services for the insured.
| | 第三十一條 社會保險經辦機構根據管理服務的需要，可以與醫療機構、藥品經營單位簽訂服務協議，規範醫療服務行為。
醫療機構應當為參保人員提供合理、必要的醫療服務。
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Article 32 Where an individual is employed in a different overall planning area, his/her basic medical insurance relationship shall be transferred with him/her, and the contribution period shall be calculated on a cumulative basis.
| | 第三十二條 個人跨統籌地區就業的，其基本醫療保險關系隨本人轉移，繳費年限累計計算。
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Chapter IV Employment Injury Insurance
| | 第四章 工傷保險
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Article 33 Employees shall participate in the employment injury insurance, and the employment injury insurance premiums shall be paid by their employers rather than the employees.
．．．．．． | | 第三十三條 職工應當參加工傷保險，由用人單位繳納工傷保險費，職工不繳納工傷保險費。
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