The difference between three insurances and one gold and five insurances and one gold

The main differences between social security three insurances and five insurances are as follows:

1, remote insurance payment

Social security three insurance pays endowment insurance, unemployment insurance and medical insurance, and social security five insurance pays endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.

2. Different payers

The insurance paid by the three social insurances is purchased by oneself, while the unemployment, work injury and maternity insurance in the five social insurances can only be purchased by the company.

3. Bear different expenses

All the expenses of the social security car are paid by myself. As for the five social insurance, companies, units and individuals bear their own expenses.

Precautions for individuals to participate in five insurances and one gold: they can only participate in three insurances: endowment insurance, maternity insurance and medical insurance, and cannot participate in work injury insurance and unemployment insurance. The insured can only enjoy the treatment of serious illness medical insurance if he has serious illness medical expenses after the first payment is over 6 months. The insured who participates in medical insurance for serious illness must pay the fee continuously without interruption. If it is not paid within three months, it shall be regarded as intermittent payment.

If the payment has been continuous for 5 years before the interruption and the medical expenses for serious illness have not been reimbursed, the time before and after the re-payment will be calculated continuously; If the payment is less than 5 years or over 5 years, but the medical insurance for serious illness is enjoyed, when the payment is made again, the medical expenses for serious illness occurring after 6 months shall enjoy the medical insurance for serious illness according to the provisions of these measures. Ensure that the deposit in the "medical insurance debit card" of the bank is sufficient for transfer, and leave a balance of at least 10 yuan after transfer. Please receive the Urban Medical Insurance Manual within 2 months after completing the insurance procedures. If you haven't got the medical manual for more than 6 months, you need to apply again (it takes 1-2 weeks).

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

1, the difference between three insurances and one gold is the lack of work injury insurance and maternity insurance. "Five insurances and one fund" refers to five social insurances and one provident fund. "Five insurances" include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

2. "One gold" refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals; Industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay fees.

What are three insurances and one gold?

1, three insurances refer to endowment insurance, medical insurance and unemployment insurance, and one gold refers to housing accumulation fund;

2. According to the relevant laws and regulations of our country, the "three insurances" have become a thing of the past, and enterprises must participate in the "five insurances" for their employees, that is, industrial injury insurance and maternity insurance are also 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.

What about five insurances and one fund after employees leave their jobs?

1, stop payment, resulting in the interruption of the payment period and the cessation of personal account accumulation, but as long as the time is not long, it will have little impact on the future;

2, because the individual pays in full, that is, the payment is not interrupted, and the part paid by the enterprise is paid together;

3. Medical insurance is also a personal account. After resignation, the treatment method is basically the same as pension insurance, and the money in the personal account can continue to be used locally;

4. Work injury insurance, unemployment insurance and maternity insurance all have no personal accounts, and the insurance will be automatically lifted after resignation. But as long as you have paid unemployment insurance for one year, you can get it if it is caused by non-personal reasons;

5, housing provident fund, there are personal accounts, the fees paid by enterprises and individuals, all form the total amount of personal accounts, as long as they meet the conditions for the withdrawal of provident fund, they can be withdrawn at any time, and they can be renewed in the future, and will never expire.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

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

Article 2 of the Regulations on the Management of Housing Provident Fund

These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.