What are the five risks? Five insurances and one gold.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. The contribution ratio of each insurance is:

1, the basic old-age insurance is 20% paid by the unit and 8% paid by the individual;

2, the basic medical insurance is paid by the unit 10%, and the individual pays 2%;

3, unemployment insurance units pay 0.5%, individuals pay 0.2%;

4, work-related injury insurance by the unit to pay 0.3%;

5, maternity insurance by the unit to pay 0.8%;

6. The contribution ratio of housing provident fund units and individuals is 12%.

Legal basis: Article 64 of People's Republic of China (PRC) Social Insurance Law.

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Article 35

The employer shall pay the work-related injury insurance premium according to the total wages of its employees and the rate determined by the social insurance agency.