Now the state mandatory payment of insurance for employees is three insurance or five insurance?

The state mandatory payment is five insurance (pension insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance), not three insurance "five insurance and one gold" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing fund. Among them, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and individual **** the same premiums, industrial injury insurance and maternity insurance is completely borne by the enterprise. Individuals do not need to pay. Here it should be noted that "five insurance" is legal, must be mandatory to pay, and "a gold" is not legal, not must be mandatory to pay. Social insurance belongs to the national compulsory insurance insurance, any unit or individual who has established a labor relationship must participate in this, the Labor Contract Law, Article 17, paragraph 7, made clear provisions.

The five types of insurance include pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The ratio of the unit and the individual for the five insurance for working employees is as follows:

1, pension insurance: 22% for the unit and 8% for the individual;

5, medical insurance: 12% for the unit and 2% for the individual;

2, unemployment insurance: 2% for the unit and 1% for the individual;

3, maternity insurance: the unit pays for it all (0.5%);

4. Worker's compensation insurance: all paid by the unit (0.5%).

Additionally, if an individual pays, he or she can only participate in pension insurance and medical insurance, and the cost of which should be borne by the individual in full, and the specific amount of payment can be consulted with the local social security bureau or the relevant units and departments.

Five insurance including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, pension insurance is to receive a pension, medical insurance reimbursement, unemployment insurance to receive the cost of living, maternity insurance can be reimbursed for maternity and other treatments, work injuries are to provide medical expenses.

It is a collective term for several kinds of security benefits given by employers to workers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, as well as housing provident fund.

Pension insurance, medical insurance and unemployment insurance, these three kinds of insurance and housing fund is by the enterprise and the individual **** the same premiums, industrial injury insurance and maternity insurance is entirely borne by the enterprise, individuals do not need to pay. Payment of social insurance is a mandatory requirement of the state, the provident fund, is based on the efficiency of the enterprise, the efficiency is not good, you can determine the proportion of their own, does not belong to the category of social insurance.

The role of the five insurance:

1, pension insurance _ is to old age, workers to the legal retirement age can receive a pension;

2, medical insurance is the employee is sick as a medical reimbursement;

3, unemployment insurance is the employee is unemployed, to receive the cost of living;

4, maternity insurance is the employee maternity as the maternity reimbursement and related treatment;

5. Worker's compensation insurance is for employees who have been injured at work and pay medical expenses or compensation for related work-related injuries;