What is the three risks? How much is the three insurances?

Endowment insurance, medical insurance and unemployment insurance in China's social security system.

I. Endowment insurance

Endowment insurance is to ensure that employees can receive a certain amount of pension every month after reaching the statutory retirement age to maintain their basic needs. The payment amount of endowment insurance is usually shared by individuals and units, and the specific proportion varies according to regional policies. Generally speaking, the proportion of individual contributions is within a certain proportion of total wages, and the proportion of unit contributions depends on the specific situation.

Second, medical insurance.

Medical insurance aims to help employees cope with medical expenses and reduce the economic burden. Individuals and units also need to pay medical insurance premiums according to a certain proportion. The specific payment amount depends on the individual's salary base and the regional medical insurance policy. Generally speaking, the contribution rate of medical insurance is relatively low, but it can cover most of the basic medical expenses.

Third, unemployment insurance.

Unemployment insurance is to ensure the basic livelihood of employees during unemployment and provide certain economic subsidies. The payment of unemployment insurance is usually shared by units and individuals, and the specific proportion and amount vary according to different regional policies. Unemployment insurance pays a relatively low amount, but it can provide some financial support when employees are unemployed.

It should be noted that the payment amounts of the three insurances are not fixed, but will be adjusted according to factors such as individual payment base, regional policy adjustment and economic development. Therefore, the specific payment amount needs to refer to the regulations and policies of the local social security department.

To sum up:

Three insurances refer to endowment insurance, medical insurance and unemployment insurance. These insurance systems are established to ensure the basic living needs and economic security of employees. The payment amount of each insurance depends on the individual's salary base and the specific policies in the region. The specific amount needs to refer to the regulations and policies of the local social security department. At the same time, the payment amount will be adjusted according to personal situation, policy adjustment and economic development.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10 stipulates:

Employees should participate in basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. Employers and employees shall pay basic old-age insurance, basic medical insurance and unemployment insurance in accordance with state regulations, and individuals shall not pay work-related injury insurance and maternity insurance.

Article 12 stipulates:

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 44 provides that:

Employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.