Five types of insurance? What are the five types of insurance?

"Five insurance" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and individual **** the same premiums, industrial injury insurance and maternity insurance is completely borne by the enterprise. Individuals do not need to pay. It is important to note that the "five insurance" is legal.

I, the proportion of

Five insurance for social insurance in the pension insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. "Five insurance", the unit and the individual's share of the general is: pension insurance unit to bear 16%, the individual to bear 8%; medical insurance unit to bear 6%, the individual 2%; unemployment insurance unit to bear 2%, the individual 1%; maternity insurance 1% by the unit to bear the whole; industrial injury insurance 0.8% also by the unit to bear the whole, the employee personal The individual employee is not responsible for maternity and work injury insurance. In terms of content, social insurance refers to the form of national legislation, to the workers as the object of protection, to the workers of old age, disease, disability, unemployment, death and other special events as the content of protection, to the government mandatory implementation of the characteristics of a security system.

Two, notes

1, the theory of pension insurance can not be interrupted, after the break, if you make up for the payment will produce a late fee (and subregional, some areas do not allow the payment of), the last is the cumulative number of years, but if you do not have to pay in full to 15 years of theoretical retirement age is not for retirement formalities, and can not be received! Pension (some areas will allow participants to continue to pay until the conditions to meet the 15 years, some areas will allow participants to pay the difference at once), but the more you pay, of course, the more pension. After the resignation of the five insurance fund for transfer procedures: in the old unit to play the transfer order, to the new unit to continue on the line.

2, unemployment insurance must be paid (personal payment can not, must be in the unit account to participate in the insurance). After the resignation of the five insurance for the transfer of formalities: do not have to handle, to the new unit to continue on the line.

3, health insurance is more important, the provisions of the interruption of more than three months on the lapse, three months after the doctor will have to pay for their own money, minor illnesses do not matter, major illnesses on the miserable, interrupted more than three months to the new unit on the new. Each participant in the health insurance has a medical insurance account, lifelong use, regardless of whether the unit changes, the unit should be a certain percentage of the monthly money into the social insurance card (health insurance card), individuals can withdraw at any time, the use of only buy drugs. Medical provisions for outpatient costs of 1800 yuan or more can be reimbursed, for example, spent 2500, only reimbursement of 700 50% -70% (different hospitals, reimbursement rates are different), if hospitalization will be more. When you visit the doctor, you should tell the hospital to open the bill of medical insurance and bring it with you when you are hospitalized. Resignation of five insurance for the transfer of formalities: after the termination of labor relations with the unit, the unit will be on the social security services to transfer your account out of the unit account, it is in a flexible employment status. If you don't find a unit to pay by yourself, you only need to pay two kinds of pension insurance and medical insurance. However, the specific contribution rate also need to go to the local human resources and social security department to consult, because the geographical different contribution amount will be different, some areas even the contribution rate will also be different. Unit insurance is not introduced, find a unit with the unit payment can be, generally flexible employment personnel to pay the local will be set up for the insured personnel a few grades, such as low, medium and high according to their own economic strength to choose the appropriate grade, of course, the higher the higher the payment more money, the relative retirement pay will be higher.

4, the provident fund unit to give you money and your own money are deposited into your provident fund account, such as wages of 3,000 yuan, the unit to give you 300, you deducted 300, so your monthly provident fund account should have 600 yuan, can only be withdrawn once a year to go to the provident fund center to take the need to buy a house or repair the house. You can take or entrust the unit to take; for transfer procedures: first in the new unit to open an account, take the account number to the old unit, let the old unit to the original account of the money transferred to the new account. Provident Fund Center in June each year (time will vary slightly from place to place) will be sent to the unit of each employee's statement, showing the money in your account.