Five insurances and one fund What is included?
"Five insurances" refer to five types of insurance, including Endowment insurance, medical insurance unemployment insurance 、 employment injury insurance And maternity insurance ; "One gold" refers to Housing Provident Fund 。 Among them, pension insurance, medical insurance and unemployment insurance are premiums jointly paid by enterprises and individuals, and industrial injury insurance and maternity insurance are completely borne by enterprises. Individual does not need to pay. It should be noted that the "five insurances" are legal, while the "one fund" is not.
The picture shows that five insurance and one fund include five insurance and one fund
Online tools: Five insurances and one fund calculator
endowment insurance
Endowment insurance: It means that when we reach the legal age, we can get it at the place designated by the social insurance department old-age pension To ensure our basic living needs after retirement.
This insurance is the premium jointly paid by enterprises and individuals.
medical insurance
medical insurance: It means that we, as workers, are inevitably bumpy day after day and year after year. If there is something wrong and we need to see a doctor, and this medical behavior is within the medical insurance contract, then we can get a certain proportion of "insurance premium" from the insurer.
This insurance is the premium jointly paid by enterprises and individuals.
unemployment insurance
Unemployment insurance: No one can avoid changing jobs. During the period of changing jobs, no one can be sure how long it will take to find the next satisfactory job. During this period, we have no salary, that is, zero income. Therefore, unemployment insurance provides us with disposable cash and free employment services such as vocational guidance and training, To help us find jobs.
This insurance is the premium jointly paid by enterprises and individuals.
employment injury insurance
employment injury insurance: A social insurance system in which we or our survivors receive material assistance from the state and society when we are working or in certain specific circumstances, are temporarily or permanently disabled or even die due to accidents or occupational diseases.
This insurance is entirely borne by the enterprise. Individual does not need to pay.
maternity insurance
maternity insurance: It refers to the social insurance system in which the state and society provide subsidies, maternity leave and medical services when female workers have to temporarily stop working in October of pregnancy.
From November 20, 2012, maternity insurance benefits will no longer be limited to household registration, and the unit must pay maternity fees if it does not pay maternity insurance.
Housing Provident Fund
Housing Provident Fund: It refers to paying a certain amount of money to a designated account every month, but it cannot be withdrawn at ordinary times. It can only be used at a specific time, such as buying a house, settling abroad, retiring, etc.
Read on the next page, How to pay the five insurances and one fund and what is the payment ratio ?
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