What is social security five insurance and one gold?

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. In order to help you better master the relevant knowledge, China Travel. Com Bian Xiao has carefully compiled the following contents for your reference, hoping to help you.

1. What is five insurances and one gold?

"Five insurances" refers to five kinds of insurance, including 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, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them. "Five risks" are legal, but "one gold" is illegal. The payment base of five insurances and one gold is based on the total salary.

Second, the proportion of payment.

1, individual contribution ratio

Pension insurance payment 8%+ medical insurance payment ratio (2%+3 yuan)+unemployment insurance payment ratio 1%.

2. Proportion of unit payment

Pension insurance payment 20%+ medical insurance payment 8%+ unemployment insurance payment 2%+ work injury insurance payment 1%+ maternity insurance payment 1%.

3, the proportion of provident fund payment

According to the actual situation of enterprises, choose the proportion of housing provident fund payment. But in principle, the maximum shall not exceed 10% of the average wage of employees. Generally speaking, the contribution ratio of the company is 12%, and that of the employees is 12%.