The five insurance is which five insurance

"Five insurance" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, that is, social security. The "one gold" refers to the housing fund.

These three types of insurance, namely pension insurance, medical insurance and unemployment insurance, are paid by both the enterprise and the individual **** the same premiums, while work injury insurance and maternity insurance are entirely borne by the enterprise. Individuals do not need to pay. It is important to note that the "five insurance" is legal, while the "one gold" is not legal.

Because not everyone is covered by maternity insurance, many people use the term "four risks and one gold" instead of "five risks and one gold".

It is a collective term for several kinds of security benefits given to workers by their employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and housing fund.

Second, the payment:

1, pension insurance:

(1) Employees should participate in the basic pension insurance, by the employer and the employee **** the same basic pension insurance premiums.

(2) Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance at the employing organization, and other flexibly employed persons may participate in basic pension insurance, with individuals paying basic pension insurance premiums.

(3) The methods of pension insurance for civil servants and staff members administered under the civil service law shall be prescribed by the State Council.

2. Basic medical insurance premiums are paid by both the organization and the individual employee***. Payment is made according to the insurance contribution base. For example, the contribution rate in Beijing is 10% for the unit and 2% for the individual. From the month following the approval of the statutory retirement, the individual employee will no longer pay the basic medical insurance premiums.

3. Unemployment insurance premiums are paid by both the organization and the individual employee***. Payment is made according to the contribution base. In Beijing, for example, the contribution rate is 1%, the unit contribution rate is 0.8%, and the individual contribution rate is 0.2%.

4. Workers' compensation insurance premiums are paid in accordance with the insurance base and are paid in full by the company, for example, the contribution rate in Beijing is 0.5%.

5. Maternity insurance premiums are paid in accordance with the insurance base and are fully paid by the company, e.g. 0.8% in Beijing.

6. The housing provident fund consists of two parts, one of which is contributed by the employee's organization, and the other part is contributed by the individual employee. The part contributed by the individual employee is deducted by the unit and then deposited into the individual account of the housing fund together with the part contributed by the unit.