What are the five insurances that individuals don't have to pay?

Five insurances and one gold industrial injury insurance and maternity insurance do not need to be paid by individuals.

Five insurances and one gold industrial injury insurance and maternity insurance do not need to be paid by individuals. Work-related injury insurance premium shall be paid according to the insurance base and paid in full by the company; Maternity insurance premium shall be paid according to the insurance base and paid in full by the company.

1, "five insurances" refers to five insurances, including endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. Among them, old-age insurance, medical insurance and unemployment insurance are premiums paid jointly 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.

The proportion of individuals taking five risks is as follows:

1, 20% for the endowment insurance unit and 8% for the individual;

2, medical insurance units bear 6%, individuals bear 2%;

3, unemployment insurance units bear 2%, individuals bear 0%;

4. 1% maternity insurance is borne by the unit, and individuals do not have to bear it;

5. Work injury insurance 0. 8% is also borne by the unit, and individuals do not have to bear it.

The above ratio is basically the same in all parts of the country, but it will be slightly different due to geographical reasons. The payment standard is based on the average monthly salary of the individual in the previous year.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, while employees shall not pay the work-related injury insurance premium.

Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.