The ratio of five insurances and one gold in Wenjiang

"Five insurances and one fund" refers to five social insurances and one provident fund. "Five insurances" include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. "One gold" refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals. Industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.

The proportion of payment in different places is not exactly the same.

Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).

The proportion of medical insurance payment: 8% for the unit and 2% for the individual;

Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual;

Payment ratio of work-related injury insurance: unit 1%, and individuals do not need to pay;

Maternity insurance payment ratio: unit 1%, individuals do not need to pay;

Housing accumulation fund: First of all, the payment base of housing accumulation fund is different from that of five insurances. Strictly speaking, the payment base should be calculated according to the total income of employees in the previous year, not less than 60% of the local social welfare wages in the previous year, and not more than 3 times the wages of social welfare companies in the previous year. However, in reality, most units only pay workers according to their monthly basic salary.

Proportion: 5%- 12%, and the employer can choose to adjust within this range. Generally, it is 8%, and the unit and individual contribute 1: 1.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.