What are the six insurances and one gold paid by the factory?

Six insurances and one fund include: endowment insurance, medical insurance, unemployment insurance, supplementary medical insurance, work injury insurance, maternity insurance and housing accumulation fund.

1. What does six insurances and one gold include?

1. Old-age insurance: The social insurance system in which the government and society provide certain economic compensation, material help and services to workers after they reach the legal retirement age is the most important one among the six insurances and one gold.

2. Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased.

3. Unemployment insurance is a system which is enforced by the state through legislation, and funds are set up by the society to provide material assistance to workers who have temporarily stopped their livelihood because of unemployment.

4. Maternity insurance is aimed at the physiological characteristics of fertility behavior. According to the law, when working women temporarily stop working and lose their normal income due to childbirth, the state or society provides them with material help.

5. personal accident insurance refers to the insurance in which the insured suffers from unintentional, foreign and sudden accidents, resulting in physical injury, disability or death, and the insurance company pays the insurance benefits according to the provisions of the insurance contract.

6, medical insurance, individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, and the accumulated payment reaches the number of years stipulated by the state, they will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state. .

7. Housing accumulation fund: The "one fund" in the six insurances and one fund refers to the housing accumulation fund, which refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

Second, some benefits of paying six insurances and one gold.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, accident medical insurance and housing accumulation fund. To ensure citizens' right to receive material assistance from the state and society in accordance with the law in cases of old age, illness, work injury, unemployment and maternity.

1. Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age.

2. Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state, if the accumulated payment reaches the fixed number of years stipulated by the state when they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

3. Employees who are injured by accidents or suffer from occupational diseases due to work-related reasons shall enjoy work-related injury insurance benefits after being identified as work-related injuries; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability treatment.

4. If the unemployed meet the requirements, they will receive unemployment insurance money from the unemployment insurance fund.

5, the employer has paid maternity insurance, workers enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.

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 58 An 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.