What is six insurances and one gold?

Six insurances: endowment insurance, medical insurance, unemployment insurance, accidental injury insurance, industrial injury insurance and maternity insurance. One gold:? housing accumulation fund

"Six insurances and one gold" is based on the "five insurances and one gold", which adds six insurances of accident insurance: endowment insurance, medical insurance, unemployment insurance, accidental injury insurance, industrial injury insurance and maternity insurance. Some units are two funds, in addition to the provident fund, but also increased the enterprise annuity. Enterprise annuity refers to the supplementary old-age insurance system voluntarily established by enterprises and their employees on the basis of participating in basic old-age insurance according to law. It is an integral part of the multi-level old-age insurance system, which is jointly implemented by national macro guidance and internal decision-making of enterprises.

1. Old-age insurance: The social insurance system in which the government and society provide certain economic compensation, material help and services to workers after they reach the legal retirement age is the most important one among the six insurances and one gold. At present, the contribution ratio of endowment insurance is: unit 2 1% (all included in the overall fund) and individual 8% (all included in the personal account).

2. Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased.

3. Unemployment insurance is a system which is enforced by the state through legislation, and funds are set up by the society to provide material assistance to workers who have temporarily stopped their livelihood because of unemployment. Unemployment insurance: Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual.

4. Maternity insurance is aimed at the physiological characteristics of fertility behavior. According to the law, when working women temporarily stop working and lose their normal income due to childbirth, the state or society provides them with material help. Maternity insurance: the company pays you 1% every month, and you don't have to pay yourself.

5. personal accident insurance refers to the insurance in which the insured suffers from unintentional, foreign and sudden accidents, resulting in physical injury, disability or death, and the insurance company pays the insurance benefits according to the provisions of the insurance contract.

7. Housing accumulation fund: The "one fund" in the six insurances and one fund refers to the housing accumulation fund, which refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Workers can withdraw the storage balance in the housing provident fund account under the following circumstances: purchase, construction, renovation or overhaul of their own houses; Repay the principal and interest of the owner-occupied housing loan; Life is difficult, is receiving the city minimum living allowance; Encounter unexpected events, causing serious difficulties in family life. Housing provident fund: housing provident fund deposit ratio: according to the actual situation of enterprises, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. The employer shall pay the housing accumulation fund at 12% of the salary. Units and individuals are 65438+ 02% of salary.