What are three insurances and one gold?

Three insurances and one gold: basic old-age insurance, basic medical insurance, unemployment insurance and housing accumulation fund.

1. Old-age insurance: the individual contribution is 4% of the base salary, the enterprise contribution is 10% of the base salary, and the individual contribution reaches the legal normal retirement age.

2. Medical insurance: 2% of the salary base of individual contributions and 9.8% of the salary base of unit contributions in the basic medical insurance, of which 0.8% is deposited in individual accounts; Individuals in large mutual funds for medical expenses pay 3 yuan every month, and the unit pays 1% of the salary base. Personal illness, paid by the basic medical insurance fund and personal account * * *.

Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion. The insufficient part of personal account shall be paid by myself.

3. Unemployment insurance: x0.5% of the individual contribution wage base and 1.5% of the unit contribution wage base. Participate in unemployment insurance according to the regulations, and the unit and I fulfill the payment obligation according to the regulations for 1 year; Not because of my will to interrupt employment; Those who have registered for unemployment and have job requirements can receive unemployment insurance money.

4. Housing accumulation fund: individuals pay 8% of the salary base, and units pay 8% of the salary base. Individual purchase, construction, renovation and overhaul of owner-occupied housing; Retirement, complete loss of working ability, and termination of labor relations with the unit; Cities and counties where the registered permanent residence has moved out or settled abroad; Repay the principal and interest of the house purchase loan; If the rent exceeds the specified proportion of family wage income, you can withdraw the housing provident fund.

What should I do after leaving my job with five insurances and one gold?

There are different ways to deal with five insurances and one gold after leaving the company according to the actual situation:

1. Job-hopping in the same city: If you are a local hukou, you can pay your own pension and medical insurance at the Social Security Bureau; If it is a foreign account, you can't pay it yourself. You must wait for a new job and the company will continue to pay for it.

In case of provident fund, the unit will seal the employee's housing provident fund account after leaving the company. If an employee establishes a housing provident fund account in a new unit, he/she may go through the formalities of transferring the housing provident fund account and transfer the amount in the original account to the new account. The transfer here does not need to close the account, nor does it involve fund settlement.

2. Job-hopping in different places: you need to consider the situation of transfer and withdrawal, or you can let the new company handle the transfer procedures.

The Legal Express reminds you that it is also necessary to pay attention to the fact that social security transfer procedures may be different in different places. Moreover, working in different places does not mean that social security must be transferred, because the years of insurance payment in different places can be calculated together. In other words, if you don't transfer the social security relationship after leaving your job, the local social security bureau will seal up your social security account, and finally you will calculate it cumulatively.

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, work-related injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society according to law in cases of old age, illness, work-related injury, unemployment and maternity.

The "Regulations" of People's Republic of China (PRC) housing provident fund management second.

These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.