What are the five insurance policies and one pension?

"Five insurance" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "one gold" refers to the housing fund. Among them, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and individual **** the same premiums, industrial injury insurance and maternity insurance is completely borne by the enterprise. Individuals do not need to pay. It is important to note that "five insurance" is legal, and "a gold" is not legal. Contribution ratio of "five insurance and one gold" At present, the contribution ratio of pension insurance in Beijing is 20% for the unit (all transferred to the integrated fund) and 8% for the individual (all transferred to the personal account); the contribution ratio of medical insurance is 10% for the unit and 2% + 3 yuan for the individual; the contribution amount of the five insurance and one gold is different in each region, and the base is the total salary. The base is the gross salary. Some enterprises have basic salary and some related subsidies, but some enterprises only pay the basic salary, which is against the law. You should consult the local labor department for the exact percentage.　About the pension insurance, unemployment insurance and medical insurance draw, is in the case of legal permission to receive, by the social security registration department to issue, for example, "pension insurance, to reach the age of law can, unemployment insurance benefits to receive is also to have the conditions, for example, you go to the household location of the street office for unemployment certificate, and at the same time did the job-seeking certificate, is that after you are unemployed, you must also have a job-seeking certificate. You must also have the will to find a job after you become unemployed, and only under such conditions can you receive it.　If you don't want to work after being unemployed, then you can't be paid the insurance benefit. In addition, you can't receive pension and unemployment benefits at the same time.　You should be insured during the probationary period because the probationary period is an integral part of the contract period and it is not isolated from it. Therefore, there should be insurance during the probationary period as well. In addition, the enterprise to the employee insurance is a legal obligation, does not depend on the intention of the parties or voluntary or not, even if the employee said do not need to pay the insurance is not, it is mandatory, and social insurance can not be replaced by commercial insurance, but the two do not conflict with each other.