Four insurance and two gold and five insurance and gold which is better

The criteria for judging which one is better:

1, the five insurance and one gold consists of pension insurance, basic medical insurance, work injury insurance, unemployment insurance, maternity insurance and housing fund; the four insurance and one gold is the merger of maternity insurance and basic medical insurance, and maternity insurance is no longer set up separately.

2. The five insurance policies and one pension provide comprehensive social security for workers, and for female workers, they include maternity insurance benefits.

3. The four insurance policies and one pension can reduce the burden on enterprises, which need to pay less insurance costs.

4. The difference between the four insurance policies and the five insurance policies is not significant in terms of individual treatment. Maternity insurance is paid by the employer and does not affect the individual's other insurance benefits.

Types of social security and coverage:

1, the composition of the five insurance and one gold: including pension insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing fund;

2, the composition of the four insurance and two gold: usually refers to the removal of the maternity insurance of the five insurance of the four insurance, plus housing fund and enterprise annuity or commercial insurance;

3, Coverage: the five insurance and one gold is more comprehensive, covering the basic life and medical needs of employees during their employment and after retirement, while the four insurance and two gold may be missing in the maternity insurance;

4. Applicable people: the five insurance and one gold applies to most of the formally employed people, the four insurance and two gold may be applicable to the employees of some specific industries or enterprises;

5. Policy regulations: different areas of social security policies vary. The social security policies of different regions vary, and enterprises and employees should choose the appropriate type of social security according to local policies and personal circumstances.

In summary, the five insurance policies provide more comprehensive social security, especially maternity insurance for female workers, while the four insurance policies reduce the burden on enterprises by combining maternity insurance and basic medical insurance, but there is not much difference between the individual treatment and the five insurance policies, so which one is better depends on the different needs for comprehensive social security and enterprise cost control.

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 right of citizens to obtain material assistance from the state and society in accordance with the law in the event of old age, sickness, work-related injury, unemployment and childbirth. rights.

Regulations on the Management of Housing Provident Funds

Article 2

These regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China. The housing provident fund referred to in these Regulations refers to the long-term housing reserve deposited 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 collectively referred to as "units") and their active employees.