Comments on People’s Republic of China Social Insurance Law

The Canadian Chamber of Commerce in Shanghai (“CanCham”) sincerely appreciates the initiative and goals set out to be accomplished by the implementation of the new PRC Social Insurance Law made effective on 1 July 2011 as well as the recent Draft Interim Measures on Participation in Social Insurance by Foreigners Working in China (“Draft Measures”).

关于2011年7月1日实行的《中华人民共和国社会保险法》以及近期公布的《在中国境内就业的外国人参加社会保险暂行办法》草案(以下简称“暂行办法”),上海加拿大商会(以下简称“加商会”)非常赞赏该法规所展现的文件精神和指导方向。

CanCham fully acknowledges the efforts of the Ministry of Human Resources and Social Security (“MHRSS”)  afforded to foreign employees (“Expats”).  We recognize that the benefits awarded by the new PRC Social Insurance Law seek to place Expats on an equal footing with Chinese nationals.  CanCham further acknowledges that the Draft Measures seek to grant Expats legal rights to China’s health care system and welfare programs, which may have been lacking from our home government as Expats living abroad.

加商会对人力资源和社会保障部(以下简称“人社部”)对在中国境内就业的外藉员工(以下简称“外籍人士”)所做的相关工作予以充分的认可及感谢。新的《中华人民共和国社会保险法》提倡外籍人士与中国公民享有同等的福利,对此我们表示赞同;同时也对《暂行办法》所提出的外籍人士有权参与中国医疗保障体系以及福利项目表示感谢,作为外籍人士,这些社会福利项目可能正是我们的母国所无法提供的。

On behalf of our members, CanCham respectfully submits recommendations and seeks clarification on certain matters related to the Draft Measures, details of which are more particularly set out in the attached Schedule for ease of reference.

在此,谨代表加商全体成员对《暂行办法》提出一些建议,并诚挚地希望能就一些与暂行办法相关的问题得到贵司的指导,具体详见附表。

CanCham supports MHRSS in its substantial endeavours to enact a national social security law that seeks to ensure Expats’ welfare in China.  We appreciate and are grateful for the opportunity to participate in the further development of the PRC Social Insurance Law as it is applies to Expats.

加商将全力支持人社部出台有关保障外籍人士在华福利的全国性社会保险法。我们真诚地希望有机会能为适用于外籍人士的社保法的建设和未来发展尽一份力量!

Schedule

Expat exclusion conditions

外国人的排除条件

It is recommended that Expats who are seconded or dispatched to China are excluded from the PRC social insurance regime if these individuals have salary packages that include the provision of social insurance originating from their home country

建议把派遣或借调到中国来工作的外国人排除在中国社保纳入范围之外, 因为这些外派员工的薪资里面已经包括了他们本国参加的社会保险部分。

Cap contribution levels

社保缴费封顶

Since existing benefits available to Expats are limited in nature, it is recommended that the base salary relating to the calculation of Expats’ contributions be capped at 3 times the local average monthly wage of  Chinese employees at the amount of RMB 11,000 to manage companies’ operation costs and ensure that contributions accord with benefits available to Expats

因为外籍员工能真正享受的现有社会保险非常有限, 建议社会保险费用缴费基数封顶为当地中国籍员工月平均工资收入的三倍,为人民币1.1万,以控制企业运营成本,并确保外籍员工所获得与他们支付的保费相应的社会保障。

Flexibility on level of benefits provided

社保金可选等级

It is recommended that social insurance benefits for Expats be offered at varying levels to allow Expats the flexibility to pay in less contribution to align with benefit level chosen.

建议对外籍员工提供不同等级的社会保险金选择,让他们可以根据自己选择的社会保险金级别缴纳不同的社保保险费用。

Refund of contributions upon departure from China

离境后社保缴费的返还

It is recommended that upon their departure from China, Expats are reimbursed their paid pension insurance contributions, such that personal contributions will be 100% refunded and a portion of all the employers’ contribution is also returned as well

建议外籍员工离开中国时其养老保险已缴部分应予适当退还,其中个人缴费部分完全退还,部分公司缴费也应予退还。

Medical Facilities

医疗设施

It is recommended that social medical contributions be increased together with and increased and improved medical treatment available to Expats, including but not limited to Executive Outpatient Services, VIP Wards, Triple A hospitals and medical prescriptions available on official drug list.

基于普通公民看病难的状况,建议增加部分医疗供款费用以提高外籍人士在就诊医院的医疗待遇(包含但不限于特需门诊,VIP病房,三甲医院以及部分非医保药品)。

Exemption period for Expats

外国人豁免期限

It is recommended that Expats be given an initial 3 year exemption period from contribution and benefits for social insurance. Expats working in China for more than 3 years can be eligible to participate and be entitled to the same benefits as Chinese nationals.  Pension benefits can be made retrospective for the initial 3 year period.

对于外籍初来华工作雇员提供3年的除外期。对于在中国工作并于公司受聘三年以上的外籍雇员,允许参加社保并享受中国国民社保待遇。最初三年未缴养老金可于三年后追缴,对于短期雇员不予实施社保待遇

Grace period

暂缓期

In respect of the enforcement of the Measures, it is recommended that Expats should be provided a grace period of one year. For Expats whose home country is already in discussions with China, a grace period should be provided to coincide with the completion of any such bilateral negotiations, before mandatory compliance with the Draft Measures.

关于暂行办法的实施,建议对外籍员工提供为期一年的暂缓期限。对正在与中国协商社保安排那些国家的外国人,暂缓强制执行该暂行办法的期限应配合到此种协商结束时为止。

Clarifications sought 需要说明事项

 

Unemployment insurance eligibility and disbursement

失业保险的适格和保险金支付

·                      If an Expat employee becomes unemployed in China, his/her work permit will no longer be in effect and will be required to depart China, how will such Expat be expected to make use of any unemployment insurance in China?

·                      Is it expected that unemployment insurance benefit will be transferred to an Expat’s home country given that without a work permit he/she may be required to return overseas?

如果外国人在中国失业,他/她的工作证将会失效并应该离境,那么他将如何享受在中国的失业保险?

因无工作证的外国人被要求离境之后,是否能把他在中国的失业保险金转移到他的本国?让他在本国也能享受到失业保险金?

Maternity insurance benefits

生育保险金

·                      How will maternity insurance be administered in respect of Expats who have more than one child?

·                      In what ways will maternity insurance affect trans-national marriages? For example, if a male Chinese national, who already has a Chinese child by another marriage, further marries an unemployed female Expat, will the Expat be eligible for maternity insurance?  

生育保险如何适用在可能不只有一个孩子的外籍员工身上?

生育保险如何对跨国婚姻适用?例如,一个中国已育男性娶一个外国无工作女性,生育保险政策将如何适用在该外国女性身上?

Account transfer and accumulated contributions for Expats

外国人社保账户转移接续

·                      Will the Draft Measures pertaining to social insurance accounts and accumulation of  contributions adopt the same rules as those enacted for Chinese nationals?  If not, what rules will apply?

·                      Since Expats are not registered as permanent residents in China, which province will be responsible for providing pension insurance benefits to eligible Expats but  who have not worked in any one location for more than 10 years (the main determinant for Chinese nationals)?

暂行办法中关于社会保险账户和保险费用累积的问题,是否会对外籍员工采用和中国籍员工同样的规则?如果不是,对外籍员工将采用什么样的规则?

因为外籍员工在中国没有永久居留地(户籍地),如果满足法定领域养老保险金要求的外籍员工没有在任何一个缴费地缴费满10年(就是确定中国员工养老保险归属地的准则),如何确定他们领取养老保险金的地点?

Query on retroactive influence

溯及力

·                      When the Draft Measures become effective, is it intended that it will impact the time period before its effective date?

暂行办法生效后,其效力是否会溯及其未生效之前的期间?

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