How do individual industrial and commercial households pay five insurances and one gold?

Individual industrial and commercial households pay five insurances and one gold as follows:

1, individual industrial and commercial households can choose to participate in insurance as individuals, but in this case, they can only pay medical insurance and endowment insurance;

2. Another way is that individual industrial and commercial households can be affiliated with a formal social security institution, which will pay social security fees on their behalf and let them pay five insurances;

3. If individual industrial and commercial households have employees, they can pay five insurances and one gold for the employees together with the employer;

4. Individual industrial and commercial households without employees cannot pay housing provident fund.

Influencing factors of individual industrial and commercial households participating in five insurances and one fund;

1. Regional policy differences: different regions have different policies for individual industrial and commercial households to participate in five insurances and one gold, which affects the conditions and rates of participation;

2. Industry Nature: Individual industrial and commercial households in different industries may have different requirements and standards when participating in insurance;

3. Business scale: the business scale of individual industrial and commercial households will affect the payment base and amount of five insurances and one gold;

4. Income level: the income level of individual industrial and commercial households is directly related to their ability to pay five insurances and one gold;

5. Willingness to participate in insurance: The willingness of individual industrial and commercial households to participate in insurance is also an important factor affecting whether they participate in five insurances and one gold;

6. Laws and regulations: Relevant national and local laws and regulations will provide specific guidance and requirements for individual industrial and commercial households to participate in five insurances and one fund.

To sum up, individual industrial and commercial households pay five insurances and one gold, including paying medical insurance and endowment insurance in their personal capacity, or paying five insurances to social security institutions, or paying five insurances and one gold for employees together with employers, but individual industrial and commercial households without employees cannot pay housing provident fund.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.