What's the difference between three risks and five risks?

The main differences between three risks and five risks are as follows:

1, remote insurance payment

(1) There are three types of social insurance payment: endowment insurance, unemployment insurance and medical insurance;

(2) For those with five social insurances, they shall pay endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;

2. Different payers

(1) The insurance paid by social security is purchased by oneself;

(2) Unemployment insurance, industrial injury insurance and maternity insurance in the five risks can only be purchased by the company;

3. Bear different expenses

(1) Pay all social security expenses by yourself;

(2) Five-insurance social security shall be paid by companies, units and individuals themselves.

Pay attention to the following items when paying three insurances and five insurances:

Whether it is three risks or five risks, it is the right that employees should have. However, when social insurance three and social insurance five become legal insurance, there are still many employees who don't know that they are eligible for social insurance, so they need to know about social insurance three and five. Employees should have a clear understanding of insurance knowledge, so as to safeguard their rights and interests when signing contracts with enterprises and ensure that they get due protection.

The conditions for receiving the social security payment base of five insurances and one gold are as follows:

1, old-age insurance: when the accumulated payment period reaches 15 or above, you can receive a monthly pension after reaching the statutory retirement age;

2. Medical insurance: the payment period is 20-25 years, and you can enjoy medical insurance benefits for life after reaching retirement age;

3. Unemployment insurance: those who continuously pay 1 year or above and meet other conditions can receive unemployment benefits for up to 24 months;

4. Maternity insurance: after continuous payment of 1 year, you can reimburse the cost of birth check-up and delivery, receive maternity allowance and enjoy maternity leave;

5. Work-related injury insurance: As long as you pay work-related injury insurance, you can get work-related injury compensation during your work;

6. Housing accumulation fund

(1) If the unit needs to pay the housing provident fund in full for 6 months, it can use the provident fund loan to buy a house;

(2) If individuals need to pay the housing provident fund in full 1 year, they can use the provident fund loan to purchase houses.

To sum up, social insurance is the most basic social insurance, including endowment insurance, medical insurance and unemployment insurance. The five social insurances are based on the three social insurances, and two types of insurance are added: industrial injury insurance and maternity insurance. The increased industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.