What is the difference between Shanghai social security four gold and five insurance and one gold?

There is no difference between Shanghai social security four gold and five insurance and one gold.

Five insurances and one gold refer to endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund. Among them, industrial injury insurance and maternity insurance are paid by employers, not individuals, so the rest are referred to as four funds for short.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.