Five insurance and one gold unit and individual contribution ratio is how much

The contribution ratio social security provident fund company contribution ratio is 43.5%, social security provident fund individual contribution ratio is 23%.

Respectively, pension insurance is the unit and the individual to pay 20% and 8% of the individual's salary; medical insurance unit and the individual to pay about 10% and 2%; unemployment insurance unit and the individual to pay about 2% and 1%; maternity insurance unit to pay about 0.8%, the individual does not contribute; industrial injury insurance unit to pay about 2%, the individual does not contribute.

Five insurance and one gold refers to the collective name of several kinds of security benefits given to workers by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and housing provident fund.

"Individual working employees shall contribute to the housing provident fund in accordance with the regulations." The housing provident fund is a "shall pay" item, which legally means that it must be paid, and the payment also shows that it is an obligation.

The 13th Five-Year Plan of March 23, 2016, proposed the merger of maternity insurance and basic medical insurance. This means that in the future, with the merger of maternity insurance and basic medical insurance, people are familiar with the "five insurance and one gold" or will become "four insurance and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will purchase benefits for employees, such as personal accident insurance, major disease insurance.

The role of the five insurance:

1. Pension insurance is for old age, retirement, to receive a pension;

2. Medical insurance is the employee is sick as a medical reimbursement;

3. Unemployment insurance is the employee is unemployed, to receive the cost of living;

4. Maternity insurance is the employee as a maternity reimbursement and related treatment;

Reference Baidu Encyclopedia - five insurance and one gold