What do you mean by five risks in one?

In China, employers need to pay five social insurances for workers, including pension, medical care, unemployment, work injury and maternity, and implement unified registration and unified base, that is, the five insurances are integrated. So, next, I would like to introduce the significance and related knowledge of the integration of five risks, hoping to help you solve the corresponding problems. 1. What do you mean by five risks in one?

The integration of five insurances refers to the unified registration, unified base, unified collection and unified audit of five social insurances: urban workers' basic pension, urban workers' medical care, unemployment, work injury and maternity.

Second, what about five insurances and one gold after resignation?

How to deal with five insurances and one gold after resignation? Many white-collar workers in the workplace may ignore this problem. Within three months after resignation, the payment of medical insurance has a great influence. Let's take a look at the specific treatment of five insurances and one gold after resignation.

Theoretically, 1, the old-age insurance can't be interrupted. If it is paid after the break-off, there will be a late payment fee (and it is not allowed to be paid in different places), and finally the accumulated years will be. However, if the full payment is not made at the retirement age, it is theoretically impossible to go through the retirement procedures, and it is also impossible to receive the pension (in some areas, the insured person continues to pay until the condition of 15 is reached, and in some areas,

After resigning, go through the transfer procedures of five insurances and one gold: lay down the transfer form in the old unit and hand it over to the new unit to continue.

2, unemployment insurance must be paid (individuals can not pay, must participate in insurance in the unit account).

After resigning, go through the formalities of five insurances and one gold transfer: you don't need to go through it, just go to the new unit and continue to work.

3. Medical insurance is more important. The interruption of more than three months is invalid. See a doctor in three months, and you'll have to pay for it yourself. It doesn't matter if you have a minor illness. If you are seriously ill, you will be in great pain. Interrupt for more than three months, and then go to a new unit. Everyone who participates in medical insurance has a medical insurance account, which will be used for life. No matter whether the unit changes or not, the unit will put a certain proportion of money into the social security card (medical insurance card) every month, and individuals can withdraw it at any time, and the purpose can only be to buy medicine. According to medical regulations, outpatient expenses above 1.800 yuan can only be reimbursed. For example, if you spend 2,500 yuan, you will only be reimbursed 50%-70% of 700 yuan (different hospitals have different reimbursement rates), and if you are hospitalized, you will be reimbursed more. When you see a doctor, you should tell the hospital to write a medical insurance bill and bring it with you when you are hospitalized.

After resigning, go through the formalities of five insurances and one gold transfer: after the labor relationship with the unit is terminated, your account will be transferred from the unit account in the social security service department, and you are in a flexible employment state. You don't need to find a unit to pay it yourself, you just need to pay endowment insurance and medical insurance. However, the specific payment ratio needs to be consulted with the local human resources and social security departments, because the payment amount will be different in different regions, and even the payment ratio in some regions will be different. Company enrollment is not introduced first, just find the company and pay the company. General flexible employees will set up several stalls for the insured when paying local fees. For example, low, medium and high can choose the corresponding gear according to their own economic strength. Of course, the more money, the higher the relative retirement salary.

4. The provident fund unit deposits the money given to you and your own money into your provident fund account. For example, if the salary is 3000, the unit will give you 300, and you will deduct 300 yourself. So you should have 600 yuan in your provident fund account every month, and you can only withdraw it once a year. If you want to go to the provident fund center, you need to buy a house or repair it. You can take it yourself or entrust the unit to take it; Handling transfer procedures: first open an account in the new unit, give the account to the old unit, and let the old unit transfer the money from the original account to the new account.

Every June (the time varies slightly from place to place), the Provident Fund Center will send each employee's statement to the unit, showing the money in your account.

Third, the characteristics of social insurance

Social insurance and commercial insurance are two different forms of insurance. We divide insurance into social insurance and commercial insurance on the basis of profit. Whether it is profitable or not is the most important sign to distinguish these two kinds of insurance, but if we make a detailed analysis, there are still many differences between them. The characteristics of social insurance can be seen from the comparison between social insurance and commercial insurance.

1, non-profit.

Social insurance is non-profit insurance, not for profit, but for the implementation of social policies. Although the operation of social insurance also needs the help of accurate measurement means, the selection and guarantee level of social insurance projects cannot be determined by the level of economic benefits. If the financial deficit of social insurance affects its operation. The state finance bears the ultimate responsibility. Commercial insurance is financially independent and self-financing, and the state finance should not bear its expenses in any form.

2. Mandatory.

Social insurance is compulsory. The so-called coercion means that the state enforces it through legislation, and both individual workers and their units must participate in it in accordance with the provisions of the law. The payment standard, treatment items and payment standard of social insurance shall be uniformly stipulated by the laws and regulations of the state or local government. As the insured, individual workers have no right to choose and change whether to participate in social insurance, the items they participate in and the standard of treatment. Compulsory is the guarantee of implementing social insurance. Only in this way can we ensure the reliable source of social insurance funds. Commercial insurance is voluntary, and whoever takes out the insurance shall take out the insurance; The principle of no insurance. The design of insurance, the payment of premium, the length of insurance period, the size of insurance liability and the relationship between rights and obligations are all implemented in accordance with the provisions of the insurance contract. Once the contract is terminated, the insurance liability will be automatically eliminated.

3. Universal security.

Social insurance has a universal responsibility to protect members of society. Regardless of the age, years of employment, income level and health status of the insured, once the insured loses the ability to work or loses his job, the government will provide compensation for income loss according to law to ensure his basic living needs. In addition to cash payment, social insurance usually provides services for workers such as medical treatment, disability rehabilitation, vocational training and introduction, and activities for the elderly. Ensuring the basic needs of most workers and thus stabilizing social order can be said to be the fundamental purpose of implementing social insurance. Commercial insurance only provides equal economic compensation to the insured. It can only partially solve the temporary and urgent difficulties of the insured and make up for part of its losses. It does not have the function of universal protection, nor does it have the function of adjusting income level and maintaining social equity.

4. Basic equivalence of rights and obligations.

The payment of social insurance benefits is generally not directly related to individual labor contribution. Enjoy and contribute, but their enjoyment and contribution are not exactly the same. To make an image metaphor, this is called planting trees to enjoy the cool, but people who plant big trees do not necessarily occupy the cool of big trees. There is a problem of redistribution. The principle of social insurance distribution system is to benefit the low-income class. Because of the same risk accidents, the threat to low-income workers is usually higher than that to high-income workers. Commercial insurance strictly follows the principle of equality of rights and obligations. This principle determines that the enjoyment of the rights of the insured is based on the premise of "more investment and more insurance, less investment and less insurance, and no investment and no insurance". In other words, the amount of insurance enjoyed by the insured depends on whether the insured pays the premiums stipulated in the contract on time and in quantity and the length of the insurance period. Once the insurance contract expires, the insurance liability will automatically terminate, and the relationship between rights and obligations will no longer exist.

According to the law, the integration of five insurances refers to the unified registration, collection and review of five social insurances: basic pension for urban workers, medical care for urban workers, unemployment, work injury and maternity. The above is the relevant knowledge about the meaning of five insurances in one.