Which of the five insurances do not need to be borne by individuals?

Among the five risks, the types of insurance that do not require individuals to bear the responsibility for payment include work-related injury insurance and maternity insurance (maternity insurance has been merged with medical insurance), while medical insurance, endowment insurance and unemployment insurance all require units and employees to bear the responsibility for payment, but units need to pay more premiums. The specific payment ratio depends on how local policies stipulate. Old-age insurance, basic pension = average monthly salary of employees in the whole city one year before retirement × cumulative percentage of actual payment years (65438+ 0% of each payment year)+personal account principal and interest and the number of months to be paid (due to different retirement ages, the number of months to be paid is different). The monthly standard of basic pension is based on the average monthly salary of employees in the city in the previous year when applying for basic pension procedures; The payment period is 1 year 1%. If the payment period is n years, the cumulative percentage of the actual payment period is N%. Medical insurance, the employee's personal medical insurance account will take effect when the accumulated payment is over 1 month; Accumulated payment for 6 months can be used for reimbursement of medical expenses; A total of 25 years, employees can enjoy life after retirement. What I want to say here is that the proportion of employees who use medical insurance to reimburse medical expenses varies from place to place, from person to person, from illness to hospital. You can go to the social security center where you work.

Legal basis:

Article 53 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, while employees shall not pay maternity insurance premiums.

Derivative problem:

What does five insurances and one gold cover?

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them. "Five risks" are legal, but "one gold" is illegal. The payment base of five insurances and one gold is based on the total salary.