What is social security five insurance and one gold? What's the use?

1. What is five insurances and one gold for social security?

Social security five insurances and one fund include endowment insurance, medical insurance, industrial injury insurance, maternity insurance, unemployment insurance and housing accumulation fund.

Social security in China is compulsory, and all units must purchase social security for their employees. In social security, the expenses of endowment insurance, medical insurance and unemployment insurance are paid by units and individuals, and the expenses of maternity insurance and work-related injury insurance are all borne by units.

Although housing provident fund is not mandatory, many units now buy provident fund for employees in order to retain their employees, and the expenses are also paid by units and individuals. The higher the proportion of general individual contributions, the higher the unit contributions.

Second, what is the use of social security five insurances and one gold?

Different insurance functions are different, as follows:

1. Old-age insurance: the years of paying old-age insurance premiums and the age of the insured are in line with the regulations. You can get a pension every month after retirement, which can make everyone feel a sense of security.

2. Medical insurance: During the payment of medical insurance fees, the expenses incurred by the insured person going to the hospital for treatment due to illness can be reimbursed, which can make everyone realize medical treatment.

3. Work-related injury insurance: In case of work-related accidents during working hours, you can get corresponding compensation for work-related injuries.

4. Maternity insurance: the payment period of maternity insurance premium is in line with the regulations, and the expenses of birth check-up and delivery can be reimbursed when giving birth.

5. Unemployment insurance: The payment period of unemployment insurance meets the requirements, and you can apply for unemployment benefits after unemployment.

6. Housing provident fund: If you buy a housing provident fund, you can buy a house with a housing provident fund loan, and the interest rate will be lower.

3. What is the payment ratio of social security five insurances and one gold?

Different insurance contributions have different proportions, as follows:

1. Old-age insurance: the contribution ratio of units and individuals is 19% and 8% respectively;

2. Medical insurance: the contribution ratio of units and individuals is 9% and 2% respectively+3 yuan critical illness insurance;

3. Unemployment insurance: The contribution rates of units and individuals are 2% and 1% respectively. ;

4. Work-related injury insurance: the unit contribution ratio is between 0.5% and 2%, and the contribution ratio of different industries is different, so individuals do not need to pay any premiums;

5. Maternity insurance: the unit contribution rate 1%, and employees do not need to pay;

6. Housing accumulation fund: the unit can choose the corresponding grade to pay the premium according to its actual situation, and in principle, it cannot exceed 10% of the employee's salary.