What is the difference between three insurances and one gold and five insurances and one gold?

Hello, the difference between "three insurances and one gold" and "five insurances and one gold": paying insurance is different. "Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;

"Three insurances", namely endowment insurance, medical insurance and unemployment insurance, are paid by freelancers or self-employed. They don't have maternity insurance and industrial injury insurance paid by enterprises. As for the "one gold", it is about the housing provident fund. At present, the government of China requires employers to participate in five insurances and one gold for employees according to regulations, and three insurances and one gold have become a thing of the past.

The specific analysis is as follows:

1. Compared with the five insurances, the "three insurances" lack industrial injury insurance. Industrial injury insurance refers to a social insurance system in which workers or their survivors suffer accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent loss of working ability and death, and the state and society provide material assistance. The state determines the different rates of different industries according to the degree of industrial injury risk, and determines the rate grades of different industries according to the use of industrial injury insurance funds and the incidence of industrial injuries. 2. Compared with "five insurances", "three insurances" lack maternity insurance. Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and childbirth female workers temporarily stop working, and the state or society gives necessary economic compensation and medical care to maternity workers. Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance. Social security contribution ratio:

1. Endowment insurance: 20% for the unit and 8% for the individual.

2. Unemployment insurance: unit 1.5%, individual 0.5%.

3. Work-related injury insurance determines the work-related injury rate according to the industry scope of the unit. The general industry is 0.4% of the unit, and individuals do not pay. 4. Maternity insurance (non-registered employees in this city do not pay): 0.8% of the unit, and individuals do not pay; 5. Basic medical insurance: unit 10%, individual 2% 3 yuan.

6. Payment ratio of provident fund: the units and individuals pay the same proportion, and the units and individuals pay 8%- 10% respectively.