What do you mean by five risks in one?

The integration of five insurances refers to the unified registration, unified base, unified collection and unified audit of five insurances (basic endowment insurance for urban workers, medical insurance for urban workers, unemployment insurance, industrial injury insurance and maternity insurance).

In order to distinguish the five-fee-in-one collection, it specifically refers to the construction of the five-insurance-in-one management system, that is, integrating the management systems of five social insurances: pension, medical care, unemployment, work injury and maternity. Through the construction of data centers and information networks, information networking and data sharing between social insurance agencies and between labor and social security departments and local taxation, finance, industry and commerce, banks and other departments can be realized.

The advantages of five risks in one are:

1. For employees, your company must complete the registration of the insurance type you should participate in when registering new insurance. In this way, it is avoided that the employer only provides old-age care for employees and does not provide medical or other insurance;

2. The average monthly salary of employees of all types of insurance in the previous year (according to the policy protection column) is declared as the payment base. Prevent units from being "picky" and some types of insurance deliberately miss or underpay;

3. Registration and declaration of different types of insurance for flexible employees can be handled at the same window;

4, gradually open the "online declaration". Only some units have been put into trial operation since yesterday. In the future, citizens are expected to be able to apply for social security online with the click of a mouse at home.

legal ground

People's Republic of China (PRC) social insurance law

Article 2 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 in case of old age, illness, industrial injury, unemployment and maternity. Article 7 The administrative department of social insurance in the State Council is responsible for the management of social insurance throughout the country, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.