What do you mean by local five risks?

Five local insurances refer to the five basic social insurances. Social insurance is a system established by the state according to law to ensure that workers can get basic income when they lose their ability to work or their income sources due to old age, illness, unemployment and other reasons. The five insurances are employee pension insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance.

1. Endowment insurance. According to the current regulations, the old-age insurance must be paid for at least 15 years, and the pension can only be received after retirement. If you don't reach 15 years when you retire, you generally need to extend the payment.

2, medical insurance, China's employee medical insurance system has been very sound, trade unions follow the unit to participate in insurance, individuals can also voluntarily participate in employee medical insurance as flexible employees. Generally speaking, if the accumulated payment period meets the local regulations when you retire, you can enjoy lifelong medical insurance benefits, so you don't have to pay any more.

3. Maternity insurance. During the maternity period, female workers can receive maternity allowance and enjoy reimbursement as long as they meet the conditions stipulated before.

4. Unemployment insurance. Eligible passive unemployed people can apply for unemployment insurance.

5. Work injury insurance. Those who are injured at work can get compensation, including on the way to and from work.

What's the difference between social security and five insurances and one gold?

The specific differences are as follows:

1, the concept is different: social security is the abbreviation of social insurance, which refers to five kinds of insurance: endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Five insurances and one gold refer to endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund.

2. Different scope: Social insurance only includes five types of insurance, such as endowment insurance, but five insurances and one gold also include housing accumulation fund. That is, five insurances and one gold include social security.

To sum up, the five local insurances refer to five basic social insurances, namely, endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

Legal basis:

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

second

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 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.