What are the three basic insurance

Three insurance is the most basic social insurance, including: pension insurance, medical insurance, unemployment insurance. The payment of three insurance is the national social security policy stipulates that any employer should insure its employees. As long as you sign a formal labor contract with your unit, it should insure you. The three insurances are not paid entirely by your unit, but by you and the unit*** together. According to the employee's salary, the unit and the individual's share is generally: pension insurance unit to bear 16%, the individual to bear 8%; medical insurance unit to bear 6%, the individual 2%; unemployment insurance unit to bear 2%, the individual 1%.

1. Pension insurance

Individuals pay 8% of the wage base, the enterprise pays 20% of the wage base, individual contributions to the legal normal retirement age.

2. Medical Insurance

Enterprises pay 10% of the wage base, and when an individual is sick, he or she is covered by the Basic Medical Insurance Coordination Fund and the individual account*** for the same expenses. More than the basic medical insurance co-ordination fund starting standard, according to the proportion of medical expenses should be borne by the individual. The portion of medical expenses not covered by the individual account shall be paid by the individual himself/herself.

3. Unemployment Insurance

Individuals pay x 0.5% of the wage base, and units pay 1.5% of the wage base. Unemployment insurance is available to those who have participated in unemployment insurance in accordance with the regulations, and whose units and individuals have fulfilled their obligations to pay contributions for one year; those who have interrupted their employment not of their own volition; and those who have registered as unemployed and have a requirement to seek employment.

Pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and the individual **** the same premiums. These are statutory.

I. Three insurance minimum contribution standard

1, pension insurance: personal contribution rate of 8%, the company contributes 20%, of which the personal account monthly storage = 8% x 2000 = 160 yuan

2, medical insurance: personal part: 2% + 10 yuan, the company's portion: 9% , of which the personal account (which is also your medical passbook) per month: 3 + 2% x 2000 = 43 yuan.

3. Unemployment insurance: individual part of 1%, the company paid part of 2%.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 4: Employers and individuals within the territory of the People's Republic of China shall, in accordance with the law, pay social insurance premiums and shall have the right to inquire into the records of payment of premiums, records of the rights and interests of individuals, and to request that the social insurance agency provide social insurance counseling and other related services. .

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions for them by their own units.

Article 24 The State establishes and improves the new rural cooperative medical care system.

Methods for administering the new type of rural cooperative medical care shall be prescribed by the State Council.

Article 58 An employer shall, within thirty days from the date of employment, apply to a social insurance agency for social insurance registration for its employees. If the employer fails to register for social insurance, the social insurance agency shall approve the social insurance premiums to be paid by the employer.

Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance with their employers, and other flexibly employed persons shall apply to the social insurance administrative organization for social insurance registration.

The State establishes a nationally unified individual social security number. The personal social security number is a citizen's identity number.