Payment ratio of five insurances and one gold in Beijing

The proportion of five insurances and one gold is as follows:

1, endowment insurance, unit 2 1%, individual 8%;

2. Medical insurance, unit 9%, individual 2%+3 yuan;

3. Unemployment insurance, unit 2%, individual1%;

4, industrial injury insurance, pay 0. 5%;

5, maternity insurance, pay1%;

6. Housing accumulation fund: The employer pays the housing accumulation fund at 12% of the salary, and both units and individuals pay at 12% of the salary.

What's the difference between social security and five insurances and one gold?

The difference between five insurances and one gold and social security is as follows:

1, with different concepts; Social security is the abbreviation of social insurance, which refers to five kinds of insurance: endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Five insurances and one gold refer to endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund;

2, the scope is different; Social insurance only includes five types of insurance, such as endowment insurance, but five insurances and one gold also include housing accumulation fund.

Five insurances and one gold refer to several kinds of security benefits provided by employers, including basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" project, which is legally necessary, and payment also shows that it is an obligation.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", the basic medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

To sum up, maternity insurance and basic medical insurance for employees will be merged in some pilot areas, and the cost of birth check-up will be reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in basic medical insurance can enjoy maternity insurance benefits.

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 get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.