Should Shenzhen pay five insurances and one gold?

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20 17 Shenzhen five insurances and one gold payment ratio

Attention Shenzhen people! Five insurances and one gold can't be used, which is equal to nothing! What does five insurances and one gold include? So what is the payment ratio of five insurances and one gold in 20 17 Shenzhen?

Payment ratio of five insurances and one gold

Endowment insurance:

The company pays 14% and the individual pays 8% (deep account).

Company pays 13%, and individual pays 8% (non-deep account).

Medical insurance:

The company pays 7% and the individual pays 2%.

Base of hospitalization medical payment: 4595 yuan for non-deep households.

The proportion of hospitalization payment: 0.8% for the company and 0.2% for the individual (* * *:1%).

Payment amount of cooperative medical care: the unit pays 8 yuan and the individual pays 4 yuan. (Total: 12 yuan)

Housing accumulation fund:

10% to 40%, each unit and individual shall bear half.

For example, the minimum payment 10%, each unit and individual pays 5%.

Unemployment insurance:

Last year, the average monthly salary of urban workers was × 1%× the total number of employees in the unit was ×40%.

Industrial injury insurance:

Unit 2%, individual 1%.

After the floating rate is implemented, it will be paid according to the actual payment rate.

Maternity insurance:

Comprehensive medical insurance: set aside 0.5% of the 7% share of medical insurance paid by the unit as the maternity insurance fund;

Hospitalization medical insurance: set aside 0.2% from the 0.8% medical insurance share paid by the unit as the maternity insurance fund;

Five insurances and one gold can't be used, which means nothing.

Office workers pay "five insurances and one gold" on a monthly basis, and print clear entries on the monthly payroll. However, details such as voluntary resignation, not receiving unemployment benefits, and supplementing old-age insurance are not known.

How to improve the gold content of their own contributions and enjoy the benefits brought by social security as much as possible is a problem that every insured person needs to know.

medical insurance

Some insured people will ignore an important rule. In addition to Class A medical insurance hospitals, specialized hospitals and traditional Chinese medicine hospitals, everyone tries to go to the designated medical institutions of their choice for medical treatment. Otherwise, even if you go to the medical insurance hospital, the diagnosis and treatment project is within the scope of medical insurance, and you have to pay for it at your own expense.

If you don't participate in medical insurance within 60 days after the termination of the labor contract, you will face a 6-month medical insurance "observation period" if you choose to register in employment agencies and talent centers as a freelancer. During this period, the insured needs to pay fees but can't be reimbursed, and it takes 6 months to be reimbursed normally.

employment injury insurance

If you have a work-related injury, you must report it to the unit immediately, and hand over the evidence and accident appraisal issued by the police, as well as the medical records of seeing a doctor or being hospitalized after the work-related injury, so that the unit can take these materials for work-related injury appraisal. Your unit must send your valid materials to the industrial injury appraisal center within one month, otherwise it will expire.

There is a noteworthy provision in the industrial injury insurance, that is, if you get sick at work and die within 48 hours, it will be considered as an industrial injury, and if you die more than 48 hours after illness, it will not be considered as an industrial injury.

maternity insurance

Only women can get the maternity insurance stipulated by the state, and the average salary is 4 months, so you can earn 4 months' salary without spending money when you have a child! If your basic salary is higher than your salary, for example, you pay 2520.6 yuan with 2000 yuan, then you still earn.

For unemployed stay-at-home mothers, it has not been covered by maternity insurance.

unemployment insurance

Although unemployment insurance must be paid, even if we are unemployed, most people can't get it. Only the unemployed registered in the street can apply for unemployment insurance. The conditions for receiving unemployment insurance benefits include: the employer and I have fulfilled the unemployment insurance payment obligations in accordance with the regulations for 1 year; Do not take the initiative to resign.

endowment insurance

In the case of endowment insurance, there is little difference between the same city and different places, and it can be interrupted halfway. It doesn't matter. Finally, the accumulated years, but the more you pay, the more your pension will be.

The relevant regulations stipulate that "if the individual's payment period has accumulated to 15 years, the basic pension will be paid monthly after retirement." In fact, you can't retire after paying 15 years, but the retirement age is the most important part. Take male employees as an example. If they are under 60 years old, even if you have paid 30 years of pension insurance, you can't retire for the time being.

housing accumulation fund

The company deposits the money given to you and your own money into your provident fund account. For example, if the salary is 8000, the company will give you 800, and you will deduct 800 yourself. So you should have 1600 yuan in your provident fund account every month, and you can only withdraw it once a year. If you want to go to the provident fund center, you can buy it yourself or entrust a company to take it.

The new regulations cancel the restriction on the proportion of rent expenditure to household income, and there is no need to provide tax payment certificates and lease contracts for filing. Workers have paid the housing provident fund in full for three months in a row. If my spouse and I don't own a house in this city and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent. Now, families without housing can withdraw the provident fund as long as they provide proof that they and their spouses have no real estate under their names.

Validity of five insurances and one gold

Endowment insurance: pay before retirement 15 years, and enjoy it for life.

Medical insurance: medical insurance card can be deducted every month after payment/kloc-0, and hospitalization expenses can be reimbursed after payment for half a year. Pay for 25 years and enjoy it for life after retirement.

Housing accumulation fund: payment will take effect immediately.

Unemployment insurance: unemployment insurance must be paid for one year before you can enjoy it.

Industrial injury insurance: users do not need to apply.

Maternity insurance: the company pays for one year.

Benefit mode of five insurances and one gold

endowment insurance

Monthly: the return date base is X20%, and the old-age insurance account will be returned in 10.

Example of medical insurance reimbursement:

If you are hospitalized and live in the best tertiary hospital in the city, all the drugs used during hospitalization are within the scope of medical insurance, and the expenses for surgery and hospitalization are 5,000 yuan, then the medical insurance center will deduct 1000 yuan when reimbursing, which is the starting price. The remaining 4000 yuan can be reimbursed 4000×86% = 3440 yuan, as long as you are personally. Plus the previous starting price of 1000 yuan, you only need to pay 1560 yuan for spending 5,000 yuan, and this 1560 yuan can be deducted from your medical insurance card.

Housing accumulation fund:

Let's just say that if you pay the provident fund in 200 yuan every month, the company will also pay your account into 200 yuan every month. When you buy a house, it will only be 400 yuan. If you pay 50,000 yuan in your life, your account will be 65,438+10,000 yuan.

Provident funds can be used to buy a house, repay loans, decorate and so on. If your family can find land to build a house, the money for building a house can also come from the provident fund.

Industrial injury insurance:

This insurance will come in handy if there is an accident at work or on the way to and from work. However, in practice, many people do not pay attention to the preservation of evidence, resulting in their inability to enjoy work-related injury insurance, which is a pity.

If you get hit by a car after work (Bian Xiao is just an example), you should call the police as soon as possible and let the police investigate the records and take photos to collect evidence. After the police handle it, they will give you an accident appraisal certificate and so on. You can take it to the unit to ask for a work-related injury report. If something happens to you, you just let people get away. You didn't call a witness or call the police. Generally, it won't be recognized as a work-related injury, and there is no evidence.

There is also a time limit for work-related injuries. If you have a work-related injury, you must report it to the unit immediately, and hand over the evidence and accident appraisal issued by the police, as well as your medical records of going to see a doctor or being hospitalized after the work-related injury, so that the unit can take these materials for work-related injury appraisal. Your unit must send your valid materials to the industrial injury appraisal center within one month. If it is more than one month from the date of your work-related injury, you don't have to identify the work-related injury. If your company doesn't give you an appraisal, you can take the exam yourself.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.