Does the company's five insurances have accident insurance?

The unit's five insurances have accident insurance.

Five insurances refer to social insurance, including social medical insurance, social endowment insurance, social unemployment insurance, social work injury insurance and social maternity insurance. 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. Accident insurance is not necessary for employees to buy, but it is generally explained when signing a labor contract! Social insurance is required by the state for enterprises to buy for employees in labor relations, and part of employees' wages is used as social insurance premium. At the same time, enterprises pay part of the insurance fees, which together form a social insurance fund, so that eligible disadvantaged groups can enjoy welfare benefits.

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.

Pay attention to buying accident insurance:

1, note the effective date.

Different accident insurance will take effect on different dates. Some accident insurance will take effect on the day after insurance, some will take effect on the day after insurance, and some will take several days to take effect.

2. Pay attention to the guarantee content

Different accident insurance covers different contents. For example, traffic accident insurance generally covers accidents such as car accidents, while travel accident insurance generally covers accidents during travel. Remember to choose according to your own needs.

3. Pay attention to the warranty period

Usually, the coverage period of accident insurance is one year, which belongs to short-term insurance, but the coverage period of some accident insurance can be shorter, as short as only one day or even several hours, which should be noted.

To sum up, five insurances and one gold usually refer to the social security we pay. Accident insurance is not included in the five insurances and one gold, because it belongs to a kind of guarantee treatment given to employees by employers.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.