What are the five insurances and one gold that can be withdrawn?

Legal analysis: among the five insurances and one gold, only the provident fund and the endowment insurance can be taken out after certain conditions are met, and other types of insurance are mainly used for protection and cannot be taken out.

1. provident fund: those who purchase, build, renovate or overhaul their own houses within the scope of this city can be used as the down payment for purchasing houses. If it is not a household registration in this city, and the provident fund has reached the specified storage month after leaving the company for a period of time, then it can be taken out with the resignation certificate.

2. Endowment insurance: Endowment insurance can only be paid and deducted by individuals after retirement (or death), otherwise it can only be transferred or sealed and will not be returned to individuals.

3. Medical insurance: In terms of medical insurance, there is generally a medical insurance card, which allows you to swipe your card to see a doctor and buy medicine, but you cannot handle the deposit and withdrawal business.

4. Unemployment insurance: If the employer and I fulfill the payment obligation for 1 year in accordance with the regulations, and their employment is interrupted against their will, and I have registered for unemployment and have job requirements, I can receive the corresponding unemployment insurance benefits during the unemployment period.

5. Work-related injury insurance and maternity insurance: Work-related injury insurance and maternity insurance are only effective under certain circumstances, so they cannot be taken out.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances, employees can withdraw the storage balance in their housing provident fund accounts.

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Article 17 of the Social Insurance Law of People's Republic of China (PRC) stipulates that if an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral subsidies and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

"People's Republic of China (PRC) Social Insurance Law" Article 18 The state establishes a normal adjustment mechanism for basic pensions. According to the average wage increase and price increase of employees, the basic old-age insurance treatment level will be improved in a timely manner.

Article 19 of the Social Insurance Law of People's Republic of China (PRC), if an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.