What are the three insurances paid by individuals?

Personal insurance refers to the most basic social insurance, including endowment insurance, medical insurance and unemployment insurance. Paying three insurances is stipulated by the national social security policy, and any employer should insure employees. The three insurances are paid by individuals and units according to the proportion of individual wages.

Three insurances belong to social insurance, which is now commonly referred to as "five insurances and one gold". The specific five risks are: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance; One gold: housing accumulation fund.

Paying three insurances is stipulated by the national social security policy, and any employer should insure employees. As long as you sign a labor contract with your employer, you should be insured.

But these three risks are not from your company, but from yourself and your company. According to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, individuals bear 8%; 6% for medical insurance units and 2% for individuals; The unemployment insurance unit bears 2%, and the individual bears 1%.

How to pay social security

Ordinary personal social security is divided into two types, employee social security and resident social security. The social security payment groups of employee social security are employees of companies, employees of institutions and flexible employees. Personal social security for employees is mandatory. As long as they are employees of the company, subordinate units should buy social insurance for them. Employees' personal social security is collected and remitted by the company, and employees do not have to go to the Social Security Bureau to pay it in person. Flexible employees can participate in employees' personal social security by themselves, but the social security expenses of on-the-job employees are paid by employees and the company, and flexible employees need to bear all the social security expenses. Flexible employees can carry identification documents, household registration books and other supporting materials, go to the social security center where the household registration is located, and pay social security for flexible employees. The social security payment group of residents' social security is not the urban residents covered by employees' personal social security. Urban residents in need can carry identification documents, household registration books and other supporting materials, and register at the social security center, village committee or community neighborhood committee where their household registration is located, so that they can pay social security.

To sum up, it is Bian Xiao's relevant answer about which three insurances are paid by individuals. I hope it will help you.

Legal basis:

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

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Forty-fourth employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.

Forty-fifth unemployed people meet the following conditions, receive unemployment insurance money from the unemployment insurance fund:

(a) before unemployment, the employer and I have paid unemployment insurance premiums for one year;

(two) the employment is not interrupted because of my will;

(three) registered unemployed and have job requirements.