What are the five risks?

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted that the "five risks" are legal.

Five insurances include endowment insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance.

In terms of "five risks", the sharing ratio of units and individuals is generally: pension insurance units bear 16%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

In terms of content, social insurance refers to a security system that takes workers as the protection object, takes special events such as old age, illness, disability, unemployment and death as the protection content, and is characterized by government coercion.

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