What does the teacher's five insurances and one gold include?

Teachers' five insurances and one gold include: five insurances refer to old-age insurance, maternity insurance, unemployment insurance, industrial injury insurance and medical insurance; One gold refers to the housing accumulation fund.

According to China's laws and regulations, whether employed by public institutions or private enterprises, workers must pay five insurances and one gold in full.

The contents of five insurances and one gold for teachers:

1. According to Chinese laws, workers, whether public institutions or private enterprises, must pay "five insurances and one gold" in full. Teachers enjoy five insurances and one gold, among which "five insurances" refer to old-age insurance, maternity insurance, unemployment insurance, industrial injury insurance and medical insurance; "One gold" refers to the housing accumulation fund.

2. In terms of "five risks", the sharing ratio between units and individuals is generally: 20% for pension insurance units and 8% for individuals; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

3. In terms of "one gold", the proportion of units and individuals is generally between 5%- 12%, and the proportion of units and individuals paying provident fund is the same.

4. In terms of content, social insurance refers to a security system that takes workers as the protection object, takes special events such as old age, illness, disability, unemployment and death as the protection content, and is characterized by compulsory implementation.

5. Housing accumulation fund refers to the long-term housing savings paid monthly by state organs, institutions, enterprises, private non-enterprise units, social organizations and their employees to support employees to solve the problem of owner-occupied housing, which is guaranteed, mutually beneficial and mandatory. According to the relevant regulations, the housing provident fund is paid by the employees and their units, and the paid housing provident fund enters the employee's individual housing provident fund account and belongs to the employees.

To sum up, teachers' work is stable, teachers' wages and benefits are relatively high, and there are benefits such as pension and medical insurance, which provide a guarantee for teachers' lives.

Legal basis:

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

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.