What are three insurances and one gold? Three insurances and one gold.

The three insurances are endowment insurance, unemployment insurance and medical insurance. One gold is the housing accumulation fund. According to "Social Insurance Law" and "Regulations on Housing Provident Fund Management", "three insurances and one fund" has become a thing of the past. Now, according to laws and regulations, enterprises must participate in "five insurances and one gold" for employees, even industrial injury insurance and maternity insurance are compulsory! Workers in various regions may report to the local labor security supervision department at or above the county level when they find illegal acts of enterprises.

1. For employees, social insurance is now commonly known as "five insurances and one gold". The specific five risks are: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance; One gold: housing accumulation fund.

"Housing accumulation fund"; Specific units and individuals each account for 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund shall not be less than 10% of the salary, and the units with good benefits may be higher, and the employees and units shall bear 50% respectively. Therefore, it is very cost-effective for employees to pay housing provident fund!

In terms of "five risks", according to the wages of employees, the sharing ratio between units and individuals is generally: pension insurance units bear 20%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

Now that you are a student, there is no need to apply for social insurance.

3. The three insurances and one gold mentioned before should be: old-age insurance, unemployment insurance, medical insurance and housing accumulation fund.

4. Generally speaking, the overall fund (i.e., endowment insurance) is a reserve for employees' retirement. The pension is directly related to the current payment, and the social insurance management department establishes its own account for individuals who have not participated in the pension insurance; Unemployment insurance is a reserve to provide insurance benefits for employees during unemployment; Medical insurance is to provide medical insurance for the sick insured; Housing accumulation fund is the reserve for employees to build (buy) houses in the future;

legal ground

People's Republic of China (PRC) social insurance law

Tenth employees should participate in the basic old-age insurance, the basic old-age insurance premiums paid by the employer and employees.