What are the three insurances paid by small and micro enterprises to employees?

The three insurances paid by small and micro enterprises for employees are as follows:

1. Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.

2. Medical insurance. Medical insurance generally refers to basic medical insurance. It is a social insurance system established to compensate workers for economic losses caused by disease risks. Establish a medical insurance fund through the payment of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation;

3. Unemployment insurance. Unemployment insurance refers to a system enforced by the state through legislation. Employers, employees' individual contributions and state financial subsidies raise funds to establish unemployment insurance funds, provide material help to workers who have temporarily suspended their lives due to unemployment, ensure their basic livelihood, and create conditions for their re-employment through vocational training and employment introduction.

Coverage and payment method of endowment insurance:

1, employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium;

2. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium;

3. Endowment insurance for civil servants and staff managed according to the Civil Service Law shall be formulated separately by the State Council.

Pension insurance needs to pay fixed number of years:

1. Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid for fifteen years;

2, to participate in the basic old-age insurance, individuals reach the statutory retirement age to pay less than fifteen years, you can pay for fifteen years, and receive a monthly basic pension; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

When handling social insurance registration, the following documents and materials shall be submitted:

1, business license, certificate of approval for establishment or other approved practice certificates;

2, the national quality and technical supervision department issued by the organization unified code certificate;

3. Individual workers must show their identity documents;

4. Other relevant documents and materials stipulated by social insurance agencies.

To sum up, small and micro enterprises provide employees with three insurances: endowment insurance, medical insurance and unemployment insurance.

Legal basis:

Article 16 of the Labor Law of People's Republic of China (PRC)

A labor contract is an agreement between a laborer and an employer to establish a labor relationship and clarify the rights and obligations of both parties.

To establish labor relations, a labor contract shall be concluded.

Article 17

The conclusion and modification of labor contracts shall follow the principles of equality, voluntariness and unanimity through consultation, and shall not violate the provisions of laws and administrative regulations.

After a labor contract is concluded in accordance with the law, it is legally binding, and the parties must fulfill their obligations under the labor contract.