The difference between social security and five insurance and one gold

The difference between social security and five insurance and one pension is as follows:

1. The concepts of social security and five insurance and one pension are different.

Social security is the abbreviation of social insurance, which refers to the five types of insurance: pension insurance, medical insurance, maternity insurance, unemployment insurance, and industrial injury insurance. Five insurance and one gold refers to pension insurance, medical insurance, maternity insurance, unemployment insurance, work injury insurance and housing fund.

2, social security and five insurance and one pension scope is different.

Social insurance only contains five types of insurance, such as pension insurance, but five insurance and one gold also contains housing fund. That is, five insurance and one gold includes social security.

According to China's relevant regulations, the unit must be in accordance with the provisions of the full amount on time for employees to contribute to the five insurance and one gold.

3, the contribution system is different

Social security alone refers to the pension insurance, you can individual contributions, five insurance refers to: pension insurance, medical insurance, unemployment insurance, industrial injury insurance, family planning insurance (female workers can enjoy) and housing fund, which is a unit to pay, especially industrial injury insurance, family planning insurance is the unit should be paid, do not need to pay personally.

The role of the five insurance is as follows:

1, maternity insurance, the payment rate is 1%, all by the employer is responsible for, individuals do not need to pay, mainly for women's childbirth, maternity checkups and other items want to enjoy the benefits and allowances, men can think of the allowances to do the surgery related to childbirth.

2. Worker's Compensation Insurance, the contribution rate is 0.8%, all borne by the company, individuals do not need to pay, employees can get insurance compensation for injuries sustained during work or on the way to and from work, and can also get compensation for occupational diseases arising from their work.

3. Unemployment insurance, the company and the individual to bear the proportion of 2% and 1% respectively, the employee in the case of involuntary separation, you can apply for unemployment benefits, such as dismissal by the company, the expiration of the contract will not be renewed, the company because of poor business led to bankruptcy and so on.

4, medical insurance, the company and individuals to pay the proportion of 6% and 2%, respectively, individuals can enjoy the hospitalization in the sick health insurance reimbursement, reimbursement ratio is relatively high, in more than 85%, in the drugstore to buy drugs, the hospital registration can also be used to use the medical insurance card.

5, pension insurance, the company and individuals to pay the proportion of 20% and 8%, respectively, the provisions of the full 15 years of contributions to receive a pension after retirement, the retirement age is 60 years old, in the absence of a source of income, you can receive a pension to maintain life.

6, housing fund, the company and individuals to pay the same proportion, ranging from 5% -12%, in the purchase of housing can be through the housing fund loans, the maximum individual loan amount is 500,000 yuan, can not exceed the balance of the individual provident fund account 20 times, the implementation of the interest on provident fund loans.

In summary, the five insurance and one gold is social security plus housing fund.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 2

The state establishes a social insurance system of basic old-age insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., and guarantees the citizens' rights to obtain material assistance from the state and society according to the law in the case of old age, sickness, work-related injury, unemployment and maternity. rights.