Five insurance is every month to pay?

The five insurance is every month to pay.

The five insurance and one gold in the company is certainly to have, this is mandatory to buy, five insurance and one gold every month is basically fixed. Medical insurance, as well as pension insurance and unemployment insurance are paid by the enterprise as well as by the individual *** with the same proportion, while maternity insurance and work injury insurance are borne by the enterprise alone. So what is deducted from your salary is a portion of the cost of pension insurance, medical insurance, and worker's compensation insurance, and of course, the housing fund.

Salary contains five insurance specifically refers to:

1, "five insurance" is five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance;

2, which pension insurance, medical insurance and unemployment insurance, these three kinds of insurance is by the enterprise and personal **** The same premiums, industrial injury insurance and maternity insurance is entirely borne by the enterprise. Individuals do not need to pay.

"Five insurance" contribution ratio:

Pension insurance contribution ratio: 20% of the unit (of which 17% into the integrated fund, 3% into the personal account), 8% (all into the personal account);

Medicare insurance contribution ratio: 10% of the unit, individual 2% + 3 yuan;

Unemployment insurance contribution rate: 1.5% for the unit, 0.5% for the individual;

Workers' compensation insurance determines its rate according to the range of industries into which the unit is classified;

Maternity insurance contribution rate: 0.8% for the unit, and the individual doesn't pay. The non-working hukou doesn't have this, so the non-working hukou has at most "four insurance and one gold".

The role of the five insurance and gold:

1, the more individuals pay, the unit for you to put more. Five insurance and gold contributions are the same base unit and individuals bear different proportions, the unit contribution is about two times the individual contribution.

2, the social security fund contributions are tax-free, not only to pay no personal income tax, treatment to receive no personal income tax, and the special account is not deducted interest tax; and if the salary as a payroll to me, is required to withhold personal income tax, deposited in the bank, there will be interest tax.

3. After paying pension insurance for a minimum number of years and reaching the legal retirement age, you can retire and receive a monthly pension. Pension can be received until death, and with the improvement of the standard of living of society and "only increase", will be adjusted every year to increase the capital, can make the old age to get stable and reliable protection.

4, pay medical insurance can get medical insurance reimbursement; if the accumulated in-service contributions to meet the minimum number of years, after retirement can not continue to pay the basic medical fees and can enjoy higher than the level of reimbursement of in-service health insurance.

5. Paying for maternity insurance reimburses the cost of prenatal checkups, family planning surgery and childbirth surgery. Moreover, maternity insurance premiums are fully borne by the organization.

6, pay unemployment insurance can get unemployment insurance benefits and other subsidies in case of unemployment. Unemployment insurance is a policy-based insurance, which is usually not available from commercial insurance companies.

7, pay work injury insurance can be in the encounter of industrial accidents or occupational disease compensation, not afraid of 10,000, just be afraid of the eventuality, especially some of the major accidents, do not have to worry about small companies to delay payment of treatment. Moreover, the premiums for work injury insurance are fully borne by the organization.

8, the payment of housing fund is equivalent to the unit with you in the same proportion to deposit a tax-free income, can be withdrawn for housing-related purposes, if not used up in employment, retirement can also be a one-time take out; in addition, housing fund loan interest rates lower than commercial loans.

In summary, five insurance and one gold in the company is certainly to have, which is mandatory to buy, five insurance and one gold every month is basically fixed. Medical insurance, as well as pension insurance and unemployment insurance are paid by the enterprise as well as the individual **** the same proportion, while maternity insurance and work injury insurance are borne by the enterprise alone. So what is deducted from your salary is a portion of the cost of your pension, medical insurance, and worker's compensation insurance, and of course, your housing fund.

Legal basis:

Article 58 of the Social Insurance Law of the People's Republic of China

An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If it fails to register for social insurance, the social insurance administration organization shall approve the social insurance premiums it shall pay.

Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance with their employers, and other flexibly employed persons shall apply to the social insurance administrative organization for social insurance registration.

The State establishes a nationally unified individual social security number. The personal social security number is a citizen's identity number.