What is the difference between the three insurance and five insurance in social security?

In order to reduce the cost of social security, some organizations will give migrant workers to pay "three insurance". Although the "three insurance" is also the state social insurance, but the treatment is not the same as the "five insurance".

The "five insurance" includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.

The "three insurance" includes: pension insurance, medical insurance, work injury insurance.

The contribution base of "three insurance" is generally lower than that of "five insurance", and the contribution base of "three insurance" and "five insurance" is also lower than that of "five insurance". However, in 2018, Tianjin unified the contribution base of the two insurance to 3364 yuan, and some areas are still not unified.

The **** payment items of the two insurances: pension and medical care are related to individuals, and the percentage of payment for work-related injuries is determined according to the nature of the unit and has nothing to do with individuals.

Whether it's "five insurance" or "three insurance", the contribution rate for pension insurance is 19 percent for the unit and 8 percent for the individual.

The health insurance payment ratio for the "five insurance" is 10 percent for the unit and 2 percent for the individual.

The "three insurance" health insurance only to pay the unit, not to pay the individual, accounting for 8%.

If the unit pays for the employee's "three insurance", then the individual can't be billed online, and there is no individual health insurance account.

The "three insurance" should be said to be exclusively for agricultural personnel to pay. Since it is an agricultural household, there is no such thing as unemployment. Therefore, the state regulations "three insurance" do not have to pay the unemployment insurance, employees can not enjoy unemployment benefits.

But the current problem is that many agricultural laborers who have worked in towns for many years have no farmland in their hometowns. Because of the different settlement policies in different places, there is no way to settle in the place of work, and if they become unemployed, they cannot receive unemployment benefits because they have paid the "three insurance policies".

Because the "three insurance" does not pay for maternity insurance, if a female worker pays for the "three insurance" during pregnancy, she will not be able to enjoy a series of maternity benefits, such as maternity allowances, pregnancy checkups, and maternity expenses.

Currently, the country is gradually abolishing restrictions on household registration, and there is a time limit for the "three insurance" policy in various places. With the unification of the household registration system, the "three insurance" system is gradually disappearing.

Tianjin adjusted the previous "three insurance" policy in July this year. Without the consent of the employee, it was changed to "five insurance". If the employee agrees, according to the "three insurance" in the medical insurance to pay medical expenses, but other costs still need to pay in accordance with the "five insurance". However, many organizations do not negotiate with their employees and still pay for medical insurance according to the previous three insurance policies. If the individual does not use the medical insurance card, they will not know, it is difficult to maintain rights.

Municipal Human Resources and Social Security Bureau, Municipal Finance Bureau on migrant workers to participate in the social insurance notice of the relevant issues

Districts Human Resources and Social Security Bureau, Finance Bureau, the Commission (Group Company) Human Resources Department, all relevant units:

In order to y implement the people-centered development idea, effectively safeguard the rights and interests of rural migrant workers in social insurance, reduce the enterprise employment costs, according to the Social Insurance Law and other relevant regulations, the following arrangements are made for continuing to promote the participation of rural migrant workers in social insurance:

Since July 1, 2018, the enterprises and their agricultural workers who used to participate in old-age pension, medical care, work-related injuries, and maternity in accordance with the provisions of the Circular of Municipal Human Resource and Social Security Bureau of Municipal Finance Bureau on the Issuance of Several Provisions for Promoting the Participation of Agricultural Workers in Social Insurance (Jin Human Resource and Social Security Bureau of the People's Republic of China [2013] No. 40), enterprises and their agricultural workers who are insured against unemployment are reinstated to participate in pension, medical, work injury, maternity and unemployment insurance. Upon negotiation between the unit and the individual, the enterprise may continue to pay the basic medical insurance premiums at the rate of 8% of the sum of the individual contribution bases of the agricultural workers. The agricultural workers themselves do not contribute, and only enjoy basic medical insurance benefits, without establishing individual medical insurance accounts.

This notice shall come into force on July 1, 2018, and shall be repealed at the same time

Related Questions and Answers: three insurance is which three enterprises three insurance refers to 1, pension insurance pension insurance, full name of the basic social old-age insurance, is the state and the society in accordance with certain laws and regulations, in order to solve the problem of the workers in the country to meet the state's stipulation of the discharge of the obligation of the labor of the limit of the age of labor, or due to the loss of capacity to withdraw from the labor post because of old age. It is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic livelihood of workers after they reach the limit of labor obligations or withdraw from labor positions due to old age and incapacity for labor; 2. Medical Insurance Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate for the economic losses caused by the risk of illness of workers. Through the employer and individual contributions, the medical insurance fund is established, and after the insured person is sick and incurs medical expenses, the medical insurance organization will give him or her a certain amount of economic compensation; 3. Unemployment insurance Unemployment insurance refers to the compulsory implementation of the state through legislation, and the establishment of an unemployment insurance fund is financed by the employer, the individual employee's contribution and the state financial subsidy, so as to provide material assistance to workers who have temporarily interrupted their living sources due to unemployment in order to protect their basic livelihoods. It is a system that provides material assistance to workers who have temporarily interrupted their means of livelihood due to unemployment to ensure their basic livelihood, and creates conditions for their re-employment by means of professional training and vocational introduction. The difference between the three types of insurance and the five types of insurance lies in the different types of insurance: the five types of insurance include: old-age insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. Among them, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and individual *** with the premiums, industrial injury insurance and maternity insurance is completely borne by the enterprise, individuals do not need to pay. Legal basis "Chinese people's *** and state social insurance law" article 10 employees should participate in the basic pension insurance, by the employer and the employee *** with the payment of basic pension insurance premiums. Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed persons may participate in basic pension insurance and pay basic pension insurance premiums by themselves. The methods of pension insurance for civil servants and staff members administered under the civil service law shall be prescribed by the State Council. Article 23 Employees shall participate in basic medical insurance for employees, and the employer and the employee shall pay the basic medical insurance premiums together in accordance with the provisions of the State ****. Individual industrial and commercial households without employees, part-time workers who have not participated in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the provisions of the State. Article 44 Employees shall participate in unemployment insurance, and the employer and employees shall pay unemployment insurance premiums in accordance with state regulations***. Warm tips for the above answer, only for the current information combined with my understanding of the law, please be careful with your reference! If you still have questions about the issue, we recommend that you organize the relevant information, with professionals to communicate in detail.