"Any employer who refuses to fund that insurance for employees would incur a fine equal to 1 to 3 times the sum of workers' due insurance fees," the official said.

该官员表示，任何拒不为雇员缴纳社保费用的雇主将被处以雇员应缴费用1-3倍的罚金。

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"The Health Insurance Fund is funded by contributions from employees and the self-employed and there's no intention of increasing those contribution fees at the moment, nor have we any immediate plans to reintroduce prescription charges, " he said.

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"Bank employees were directly receiving incentives from third parties such as insurance, mutual-fund" companies, the RBI said.

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Some are now calling for the abolition of the agency and even the scrapping of the federal unemployment-insurance fund (if workers simply saved the 6.5% of gross wages that employers and employees now each contribute, that could give the newly jobless enough of a cushion to get through several months of unemployment).

ECONOMIST: Germany's welfare state: Dropping the pilot | The