What does the individual bear for three insurances and one gold?

Three insurances and one fund undertaken by individuals include endowment insurance, industrial injury insurance, medical insurance and housing accumulation fund.

There is no maternity insurance in three insurances and one gold. Maternity insurance is a social insurance system stipulated by the state and society through legislation. When pregnant or pregnant female workers temporarily stop working, the state or society provides medical services, maternity allowance and maternity leave, and the state or society gives maternity workers the necessary economic compensation and medical care. There is no work-related injury insurance for three insurances and one gold. Industrial injury insurance refers to a social insurance system in which workers or their survivors suffer accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent loss of working ability and death, and the state and society provide material assistance.

Three insurances and one gold handling process:

1, apply for social insurance registration, apply for social insurance registration certificate, and open a social insurance payment account; Need to fill in the social insurance registration form and on-the-job personnel registration form. , and provide the original and photocopy of the business license; Original and photocopy of the local tax registration certificate, organization code, photocopy of the ID card of the insured employee, and recent salary roster of the insured unit. The unit mode of insurance takes the actual salary as the payment base;

2. Employees are employed. Legal persons can log on to the recruitment and dismissal registration page to register for recruitment. If a new employee is registered in a foreign country and insured for the first time, he/she should submit a copy of employee ID card and photos to the county employment service management center before handling the recruitment registration to complete the initial registration of information;

3. A legal person can log on to the social insurance page with a certificate and handle the social insurance transfer registration. Participate in insurance for the first time;

4. Employees leave their jobs. The legal person securities pass is registered on the registration page for resignation registration;

5. A legal person can log on to the social insurance page with a certificate to register the social insurance transfer;

6. Pay social insurance premiums according to the social insurance payment notice.

To sum up, three insurances and one fund refer to endowment insurance, industrial injury insurance, medical insurance and housing accumulation fund, which are all shared by units and individuals according to a certain proportion and paid according to law to protect the legitimate rights and interests of employees, which is related to the vital interests of every employee.

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.

essay

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.