Which three gold do five insurances and three gold refer to?

Three of the "five insurances and three golds" refer to the housing accumulation fund, the small enterprise back-pay guarantee fund and the disabled unemployment guarantee fund.

Five insurances and three golds specifically include the following contents:

1. Old-age insurance: The purpose of old-age insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life;

2. Medical insurance: the biggest advantage of participating in basic medical insurance is to implement social overall planning, have mutual assistance, enhance the ability to resist risks, and ensure the basic medical needs of employees;

3. Unemployment insurance: it is a system enforced by the state through legislation and set up by the society to provide material help to workers who have temporarily stopped their livelihood because of unemployment, so as to ensure the basic livelihood of unemployed people during unemployment and promote their re-employment. It is an important part of the social security system and one of the main items of social insurance.

4. Maternity insurance: the role of establishing maternity insurance system is to ensure that female workers can enjoy protection during childbirth and breastfeeding, so as not to stop working and fall into difficulties in life because of childbirth;

5. Work-related injury insurance: Work-related injury insurance is a social insurance system in which workers are injured, disabled or killed at work and temporarily or permanently lose their ability to work, and the society gives material help. All work-related injury insurance premiums are paid by the employer, and individual employees do not need to pay;

6. Provident fund: it is the long-term housing savings paid by the unit to employees. For employees to buy, build, rebuild, overhaul occupied housing, and no unit or individual may use it for other purposes;

7. Small enterprise wage protection fund: refers to the social mutual aid system in which the employer defaults on the wages of employees, and the competent department advances a certain amount of wages to employees with the wage protection fund in accordance with the relevant regulations when the situation stipulated in these regulations occurs;

8. Unemployment protection for disabled people: Eligible disabled people apply for unemployment insurance system to ensure their basic livelihood.

The functions of social security five insurances and one gold are as follows:

1. Work-related injury insurance: After being identified as a work-related injury, you can enjoy the corresponding work-related injury insurance benefits;

2. Unemployment insurance: if you meet the corresponding conditions after unemployment, you can get unemployment insurance money;

3. Medical insurance: you can enjoy basic medical insurance for life after retirement;

4. Old-age insurance: you can receive a basic pension every month when you reach the statutory retirement age and have paid 15 years;

5. Maternity insurance: you can enjoy the corresponding maternity allowance and maternity reimbursement when giving birth;

6. Housing accumulation fund: it can be used for housing-related purposes in the future. Even if it is not used up at work, it can be taken out at one time after retirement.

To sum up, among the five insurances and three golds, the five insurances refer to medical insurance, unemployment insurance, old-age insurance, maternity insurance and work-related injury insurance, and the three golds refer to housing accumulation fund, small enterprise back-pay guarantee fund and disability unemployment guarantee fund.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

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The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.