What do you mean by three insurances and one gold and five insurances and one gold?

Three insurances are the most basic social insurance, including endowment insurance, medical insurance and unemployment insurance. Five insurances refer to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. One gold refers to the housing accumulation fund. The role of five insurances and one gold:

1, endowment insurance. It is used to receive pension, retirement pension and funeral expenses after retirement, which is the guarantee of old age life.

2. Medical insurance. Used for medical reimbursement and medical insurance benefits for the elderly.

3. Unemployment insurance. Used to receive unemployment insurance after unemployment.

4. Work injury insurance. It is used to pay medical expenses for work-related injuries, living care expenses, disability allowance and disability allowance.

5. Housing accumulation fund. Used for personal expenses such as buying a house, decorating and renting a house. Payment ratio:

1, endowment insurance: 20% paid by the unit and 8% paid by the individual;

2. Medical insurance: the unit pays 8% and the individual pays 2%;

3. Unemployment insurance: the unit pays 0.7% and the individual pays 0.3%;

4. Provident fund: according to the actual situation of the enterprise, choose the proportion of housing provident fund payment. But in principle, the maximum shall not exceed 10% of the average wage of employees.

5. Individuals do not need to pay industrial injury insurance and maternity insurance. Five insurances and one gold can only be paid by enterprises for employees. After employees join the company, the person in charge of personnel can give it to them, and employees only need to provide the corresponding materials to the company.

The company must pay five insurances and one gold to its employees, which means that industrial injury insurance and maternity insurance are mandatory for employees.

Workers in various regions may report to the local labor security supervision department at or above the county level if they find that the unit fails to pay social insurance for workers according to law. In addition, the difference between three insurances and one fund is mainly manifested in the following aspects: three insurances and one fund include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund. Five insurances and one gold include not only three insurances and one gold, but also maternity insurance and industrial injury insurance. If there are safety factors in the working environment, I suggest you buy an accident insurance. However, it should be reminded that employees of construction units in China will have work-related injury insurance in the future. If you are a construction worker without work-related injury insurance, you can complain to the local labor bureau. If maternity insurance is not paid, employees will not be able to enjoy maternity allowance, operation expenses and other benefits normally.

Legal basis:

Article 27 of the full text of the Social Insurance Law of People's Republic of China (PRC), if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the fixed number of years stipulated by the state, he will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Article 28 of the full text of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue medical expenses, and shall be paid from the basic medical insurance fund in accordance with state regulations.

Article 29 of the full text of the Social Insurance Law of People's Republic of China (PRC), the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical trading units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.