What does 7 insurance and 2 gold include?

Seven insurances and two pensions refer to the corresponding guarantees and welfare benefits provided by employers for their employees, which mainly include endowment insurance, medical insurance, unemployment insurance, maternity insurance, work injury insurance, supplementary medical insurance, supplementary endowment insurance, housing accumulation fund and enterprise annuity.

Here is a brief introduction:

1, endowment insurance

The related benefits of old-age insurance can only be enjoyed by the insured after retirement, provided that the insured needs to meet the minimum payment period 15 years and reach the statutory retirement age before receiving a certain standard pension every month. The payment principle of endowment insurance is overpayment, long-term overpayment and long-term overpayment. When he was young, the more old-age insurance premiums he paid each time, the longer he paid, and the higher the corresponding pension standard would be.

2. Medical insurance

The medical insurance paid by employees is relatively good in China's basic medical insurance, and the reimbursement rate of medical insurance fund is also relatively high. At the same time, there is also a personal medical insurance account, and the monthly medical insurance expenses paid by the insured will be remitted to this account, and the insured can use this account to pay medical expenses that are not reimbursed by medical insurance. In addition, as long as they meet the payment period, they can enjoy lifelong medical insurance benefits and receive medical subsidies after retirement.

3. Unemployment insurance

Unemployment insurance mainly provides protection for the insured who has paid 1 year and registered for unemployment, and whose employment is interrupted due to his own will. Eligible insured persons can apply for unemployment insurance benefits and receive monthly living allowance. The unemployment insurance fund will also pay medical insurance premiums according to the payment base of the insured persons during their employment, so that the insured persons can also enjoy medical insurance benefits during their unemployment.

4. Maternity insurance

Maternity insurance can provide two basic treatments for female insured persons: reimbursement of maternity expenses by maternity insurance fund and payment of maternity allowance. If the spouse of the male insured meets the corresponding conditions, he can also apply for maternity insurance to reimburse the related maternity expenses, which can save the insured's certain maternity expenses.

5. Work injury insurance

Work-related injury insurance mainly provides economic claims for the insured or their families who suffer from work-related injuries, occupational diseases or work-related deaths, and can share the company's claims risk.

6. Supplementary medical insurance

Supplementary medical insurance is a kind of medical insurance relative to basic medical insurance, including enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance.

7. Supplementary endowment insurance

Supplementary endowment insurance refers to an auxiliary endowment insurance established by enterprises according to their own economic strength and under the implementation policies and conditions stipulated by the state.

8. Housing accumulation fund

The housing accumulation fund is paid by units and individuals in the same proportion, and all the accumulated funds are used as the housing funds of the participants. Participants can use the housing provident fund to buy a house, decorate, rent a house or borrow money.

9. Enterprise annuity

Enterprise annuity is a supplementary pension system established by enterprises on the premise that employees pay basic pension insurance. Enterprise annuity is also paid after the insured retires, which can effectively improve the pension benefits of the insured. However, there are not many enterprise annuity systems in China at present.