Five insurances and one gold are divided into several grades.

Five insurances and one gold are divided into four grades.

They are: low gear, 1 gear, 2nd gear and 3rd gear. The payment rates are 40%, 60%, 80% and 100% respectively. Five insurances are five types of insurance in social security, so these five types of insurance are: industrial injury insurance, maternity insurance, unemployment insurance, medical insurance and endowment insurance.

Five insurances and one gold refer to several kinds of security benefits granted to workers by employers. Five insurances and one gold refer to social security+housing accumulation fund. Generally speaking, we pay social security and provident fund in a certain proportion, which is between 8%- 12%. The proportion of payment stipulated by different places is different. Although the contribution ratio of employees in the same place is the same, the contribution base of each employee is different, so the money paid is different.

The conditions for purchasing five insurances and one gold are:

1. The applicant signs a labor contract with his unit;

2. The applicant's unit has gone through the business license and other related procedures, which is in line with the relevant national policies and regulations;

3. The applicant is a legal citizen of People's Republic of China (PRC) (China).

To sum up, basic medical insurance is generally divided into first, second and third grades according to payment and corresponding treatment. The grades of five insurances and one gold are divided according to the payment base and proportion of five insurances and one gold.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.