What are the three major risks? The difference between three risks and five risks.

Three insurances include endowment insurance, medical insurance and unemployment insurance. The difference between three risks and five risks is as follows:

1, the types of insurance contributions are different, and the social security three insurances are the most basic social insurance, including endowment insurance, medical insurance and unemployment insurance. The five social insurances are based on the three social insurances, and two types of insurance are added: industrial injury insurance and maternity insurance. Among them, the increased industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay. The remaining three items are jointly paid by enterprises and employees, paid regularly and deposited in insurance accounts opened in personal capacity, and managed by relevant social functional departments;

2. The proportion of medical insurance payment is different. Compared with the three social insurances, the five insurances not only have two kinds of protection. Moreover, in terms of medical insurance, the proportion of social security three insurances and social security five insurances is different;

3. The expenses are different, and the expenses of social insurance are all paid by themselves. As for the five social insurance, the company units and individuals bear their own expenses;

4. Different payers, three social insurances are purchased by themselves, while unemployment, work injury and maternity insurance in five social insurances can only be purchased by companies.

What is the function of social security five insurances?

1, endowment insurance. Can guarantee a stable source of income after retirement;

2. Medical insurance. When you are in hospital, you can enjoy hospitalization reimbursement and enjoy more treatment with less money. Reduce the burden on families and effectively avoid poverty caused by illness and returning to poverty due to illness;

3. Maternity insurance. You can enjoy the reimbursement of expenses during childbirth, the reimbursement of prenatal examination expenses and the maternity allowance after childbirth;

4. Unemployment insurance. After unemployment, you can receive unemployment benefits every month;

5. Work injury insurance. Pay for treatment, life care, disability allowance and disability allowance.

What is the payment ratio of the five insurances?

1, pension insurance contribution ratio: 20% for the unit and 8% for the individual;

2. Medical insurance payment ratio: unit 10%, individual 2%3 yuan;

3. Unemployment insurance payment ratio: unit 1%, individual 0.2%;

4. Payment ratio of work-related injury insurance: the unit pays 0.5% for employees every month, and individuals do not pay;

5. Maternity insurance payment ratio: the unit pays 0.8% for employees every month, and individuals do not pay.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

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 when they are old, sick, injured, unemployed and have children.

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The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.