What do you mean by five insurances and one gold?

Five insurances and one gold refer to endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund.

The social insurance fund shall determine the source of funds according to the types of insurance and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law. The social insurance that individuals can buy is limited to basic old-age insurance and basic medical insurance, and they cannot buy unemployment insurance, industrial injury insurance and maternity insurance independently.

The five risks are calculated as follows:

1, endowment insurance, the unit pays 20% of the base, and the individual withholds 8% of the base;

2. Unemployment insurance premium is paid by the unit at the base of 1.5%, withheld and remitted by the individual at the base of 0.5%, and not paid by the individual migrant workers;

3, industrial injury insurance, according to the nature of the unit, the withholding ratio is different, taking a wholly foreign-owned enterprise as an example, according to the base 1%, individuals do not pay;

4, maternity insurance, 0.8% of the employee payment base, individuals do not pay;

To sum up, individuals who have no work units cannot pay the housing provident fund. According to relevant regulations, individuals who participate in social security can only pay endowment insurance and medical insurance, and only some cities open provident fund to pay. Need to pay medical insurance and old-age insurance, you can go to the social security agency where the account is located to participate in social security, go through the hospitalization insurance registration formalities according to your personal identity, and the designated bank will agree on the deduction time in the form of personal savings card payment, and pay in full monthly or quarterly.

Legal basis:

Article 72 of the Labor Law of People's Republic of China (PRC)

The social insurance fund shall determine the source of funds according to the types of insurance and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

Article 73

Workers shall enjoy social insurance benefits according to law under the following circumstances:

(1) Retirement;

(2) Being sick or injured;

(3) Being disabled at work or suffering from occupational diseases;

(4) unemployment;

(5) bearing.

After the death of an employee, his survivors shall enjoy the survivors' allowance according to law.

The conditions and standards for workers to enjoy social insurance benefits shall be stipulated by laws and regulations.

Social insurance premiums enjoyed by workers must be paid in full and on time.