202 1 five insurances and one gold policy

Legal analysis: the five insurances and one gold are based on the average monthly salary of an individual in the previous year, and companies and individuals pay according to a certain proportion, so everyone's five insurances and one gold are different. In addition, it may be slightly different from place to place.

These five risks include:

Endowment insurance: 8% for individuals and 22% for units;

Medical insurance: individuals pay 2%, and units pay10%;

Unemployment insurance: individuals pay 1%, and units pay 2%;

Industrial injury insurance and maternity insurance: only paid by the employer, and individuals do not need to pay.

The first fund includes: housing accumulation fund: individuals and units pay in the same proportion, and the proportion is 5- 12%, which is determined by the employer.

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

Article 1 This Law is formulated in accordance with the Constitution for the purpose of regulating social insurance relations, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to share the fruits of development and promoting social harmony and stability.

Article 2 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 in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 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.

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.