Which of the five risks can be transferred?

Old-age insurance: To handle the transfer, the insured only needs two steps: the first step is to bring the insured's resident ID card, certificate of termination of labor relations, household registration book and other relevant supporting materials. , and to the local social security agencies to print the "basic old-age insurance payment certificate"; The second step is to take all these procedures with you, fill in the transfer application form, and apply for transfer to the social security agency at the transfer place. After that, other matters need not be taken care of, and the social security department of the new and old insured places will handle the transfer. As long as it is approved, the insured will receive a notice from the social security department and complete the transfer within 45 working days.

Medical insurance: from July 1 2065438, migrant workers' cross-provincial employment can transfer the medical insurance relationship, and their personal accounts can follow the transfer. In addition to the inter-provincial transfer of medical insurance relations, with the change of the identity of the insured, three different types of medical insurance relations, namely, basic medical insurance for urban enterprise employees, basic medical insurance for urban residents and new rural cooperative medical care, can also be transferred to each other. Migrant workers who work in cities can participate in the local basic medical insurance for employees at their places of employment, and can take them back to the countryside and turn to the new rural cooperative medical system without interruption.

As far as specific procedures are concerned, the transfer of medical insurance is simpler than that of endowment insurance. According to the provisions of the Interim Measures, workers who leave their jobs in new cities can join the basic medical insurance for local urban workers. The social security agency in the new employment place informs the social security agency in the original employment place to handle the transfer formalities, and the workers no longer enjoy the basic medical insurance benefits in the towns in the original employment place. The original place of employment shall issue an insurance certificate for future reference while suspending the insurance formalities.

Unemployment, industrial injury and maternity insurance: not "universal"

The Regulations on Unemployment Insurance stipulates that the establishment of urban enterprises and institutions is transferred across the overall planning areas, and if the unemployed move across the overall planning areas, the unemployment insurance relationship will be transferred accordingly. Before unemployment, if the accumulated payment time of the employer and the unemployed person is less than 5 years 1 year, the longest period for receiving unemployment insurance benefits is 12 months; If the accumulated payment time is less than 10 years, the longest period of receiving unemployment insurance benefits is 18 months; If the accumulated payment time exceeds 10 years, the longest period for receiving unemployment insurance benefits is 24 months.

When it comes to formalities, employees who move in this province or go to other provinces shall go through the formalities for the transfer of unemployment insurance relationship with the agency that accepts unemployment insurance business in the original unit. The agency shall issue the employee's insurance payment certificate, and the employee shall use this certificate to continue the unemployment insurance relationship with the unemployment insurance agency where he moves in, without transferring funds.

If the unemployed are transferred across provinces during the period of receiving unemployment insurance benefits, the agency in the place of emigration shall issue a certificate. Unemployed persons shall continue the unemployment insurance relationship with the agency in the place where they move out with the certificate and the Employee Unemployment Insurance Manual, and receive unemployment insurance benefits in the place where they move out according to the standard, without transferring funds. If the unemployed migrate across provinces, the agency in the place of emigration shall issue a certificate and transfer the required funds, and the unemployed shall go to the agency in the place of emigration to continue the unemployment insurance relationship with the certificate and fund transfer procedures.

Among the five social insurances, only three types of insurance are of transfer significance: pension, medical care and unemployment. Work-related injuries and maternity are "pay-as-you-go" types of insurance, and there is no transfer problem.

At the same time, work-related injuries and maternity are two types of insurance that do not require employees to pay their own expenses. If the unit fails to pay these two social insurances for employees during work-related injuries and maternity, then employees will not be able to enjoy the benefits paid by the social insurance fund (net value of information forum).

Provident fund: the purchase of houses in different places can only be withdrawn at one time.

Take Beijing as an example. If an employee leaves Beijing to work in other places, and if his work unit in other places establishes a housing provident fund account for him, then he can transfer all the money in the Beijing housing provident fund account to the housing provident fund account in other places. At the time of handling, the employee shall provide the receipt certificate of the transferred unit in Jingyuan, the certificate of establishing housing provident fund in the transferred place, the account number of the transferred bank (information forum product), the name of the bank where the account is opened, a copy of the employee's ID card and other related materials, and apply to the account management department through the housing provident fund manager of the original unit.

If an employee comes to work in Beijing from other places and has built a new housing provident fund account in Beijing and deposited the housing provident fund, the employee can transfer the original provident fund to the Beijing Provident Fund Management Center, and send the account opening certificate of housing provident fund transfer issued by the account opening management department of the unit to the transfer unit in other places for transfer and remittance procedures, and at the same time remind the transfer unit to indicate the name, ID number and registration number of the transferred employee on the remittance slip.

However, Beijing stipulates that you can't apply for housing provident fund loans in Beijing when you buy a house in a different place. Similar to Shanghai, buying a house in a different place can be extracted at one time.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.