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2012/11/28

Insurance and Social Welfare

1.     Social security coverage

The CHFS data shows that 44.2% of the residents in the sample do not have any retirement insurance. The data also shows social welfare coverage is higher in the cities than in the rural areas. Among rural residents, 65.51% don’t have any retirement insurance, 32.09% have social retirement insurance, and only 2.4% have a retirement salary. In contrast, among urban residents, only 13.05% of them don’t have any form of retirement benefits, 43.33% have social retirement insurance, and 43.62% have a retirement salary.

Table1 The Distribution of Social Welfare (%)

Area

Region

Rural

Urban

East

Central

West

Without Retirement Insurance

65.51

13.05

30.60

63.36

61.32

With Retirement Insurance

34.49

86.95

69.40

36.64

38.68

Including:

   Social Retirement Insurance

32.09

43.33

48.05

22.62

22.85

   Retirement Salary

2.4

43.62

21.35

14.02

15.83


2.    Commercial health insurance

Among the rural residents who purchased commercial health insurance, 63.91% bought it for themselves and 28.73% for their family members. For the urban residents, the figures are 75.91% and 17.46% respectively.

Table2 Commercial Health Insurance

Rural Registered Residence

Urban Registered Residence

Proportion of Residents Whose Insurance is Bought by Themselves (%)

63.91

75.91

Proportion of Residents Whose Insurance is Bought by Families (%)

28.73

17.46

Proportion of Serious Illness Insurance (%)

65.36

78.47

Proportion of Medical Insurance (%)

33.54

26.28

Premium Paid in 2010(yuan)

4135

7889

Proportion of Residents Received Reimbursement in 2010(%)

5.17

5.58

Total Amount of Reimbursement in 2010 (yuan)

4450

4623

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