What is the minimum three risks?

The minimum three insurances are endowment insurance, medical insurance and unemployment insurance. Details are as follows:

1, old insurance

Individuals pay 8% of the base salary, enterprises pay 20% of the base salary, and individuals pay to the legal normal retirement age.

2. Medical insurance

The salary base paid by the enterprise is 10%. When an individual falls ill, the expenses shall be shared by the basic medical insurance pooling fund and individual account. Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion. The insufficient part of personal account shall be paid by myself.

3. Unemployment insurance

Individuals pay 0.5% of the salary base, and units pay 65438+ 0.5% of the salary base. Participate in unemployment insurance according to the regulations, and the unit and I fulfill the payment obligation according to the regulations for 1 year; Not because of my will to interrupt employment; Those who have registered for unemployment and have job requirements can receive unemployment insurance money.

Endowment insurance, medical insurance and unemployment insurance are all premiums paid by enterprises and individuals. These are all legal.

Payment ratio:

1, Beijing endowment insurance contribution ratio: 20% for the unit (of which 17% is transferred to the overall fund, 3% to the personal account) and 8% for the individual (all transferred to the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan; Unemployment insurance payment ratio: unit 1.5%, individual 0.5%.

2. The payment amount of the three insurances varies from region to region, and the base is the total wages. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.

Payment term:

20 14, it is required that the medical insurance payment is over 20 years, and the pension payment is over 15 before you are eligible to receive the pension, and you can enjoy medical insurance reimbursement after retirement.

Personal monthly fee: endowment insurance: 1300 times 8% (all credited to personal account) = 104 yuan; Medical insurance: 1300 times 2%+3 yuan =29 yuan; Unemployment insurance: 1300 times 0.5%=6.5 yuan. It should be deducted from the salary. As for how much old-age insurance money you will receive when you retire, it depends on your city and the average monthly salary of urban workers in the year before retirement.

To sum up, paying three insurances is stipulated by the national social security policy, and any employer should insure employees. As long as a formal labor contract is signed with the employer, it should be insured.

Legal basis:

People's Republic of China (PRC) social insurance law

Tenth employees should participate in the basic old-age insurance, the basic old-age insurance premiums paid by the employer and employees.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 44 Employees shall participate in unemployment insurance, and employers and employees shall jointly pay unemployment insurance premiums in accordance with state regulations.

Forty-fifth unemployed people meet the following conditions, receive unemployment insurance money from the unemployment insurance fund:

(a) before unemployment, the employer and I have paid unemployment insurance premiums for one year;

(two) the employment is not interrupted because of my will;

(three) registered unemployed and have job requirements.