Is five insurances and one gold everything?

Legal analysis: not universal. Because the payment standards are different in different places, at present, five insurances and one gold are not universal in the whole country, and local payment can only be consumed or reimbursed locally. "Five insurances and one gold" refers to five insurances and one gold. "Five risks" are legal, but "one gold" is illegal.

Legal basis: Article 77 of People's Republic of China (PRC) Social Insurance Law The social insurance administrative department of the people's government at or above the county level shall strengthen the supervision and inspection of employers and individuals' compliance with social insurance laws and regulations. When the administrative department of social insurance carries out supervision and inspection, the employer and individual under inspection shall truthfully provide information related to social insurance, and shall not refuse to inspect or make false reports or conceal.

Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit employs employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.