Huangshi five insurance and one gold calculator

Insurance Bian Xiao helps you answer, and more questions can be answered online.

"Five insurances and one gold" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and health insurance.

Maternity insurance;

"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. Individuals do not need to pay fees. What we should pay attention to here is "five"

"Insurance" is legal, but "one gold" is not.

What is the payment ratio of "five insurances and one gold"?

At present, the contribution rate of endowment insurance in Beijing is 20% of the company (of which 17% is included in the overall fund and 3% is included in the personal account.

), individual 8% (all credited to personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance is divided according to the industry scope of the unit.

Determine the injury rate; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the highest

Pay no more than 10% of the average salary of employees in Beijing.

(Overall planning fund refers to: in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system.

It is necessary for the country to solve the problems of unbalanced economic development and aging population as a whole.

(1) Establish a social pooling fund mainly based on enterprise contributions; (2) Establish personal accounts based on employees and enterprises; (3

The government bears the management expenses of the endowment insurance fund. This semi-fund system combining social pooling and individual accounts is as follows

It is conducive to coping with the crisis of China's aging population, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transition from enterprise to enterprise.

The transformation from enterprise endowment insurance system to individual endowment insurance system. )

The payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises

There is a basic salary when paying, and there are some related subsidies, but some enterprises only pay a basic salary when paying, which

This is illegal. The specific proportion should be consulted with the local labor department.

The withdrawal of old-age insurance, unemployment insurance and medical insurance can only be obtained if permitted by law.

It is issued by the insurance registration department, such as "endowment insurance". In order to meet the statutory requirements, it is also necessary to have the conditions to receive N gold. For example, you have to go to the street office where your account is located to apply for an unemployment certificate. At the same time,

You have a job permit, which means that you must have the will to apply for a job after you lose your job, so that you can get it.

If you don't want to work after losing your job, you won't get insurance money. Besides, neither are pensions nor unemployment benefits.

You can enjoy it at the same time.

Do you enjoy insurance during the probation period?

You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period, not isolated.

Outside the contract period. So you should also take out insurance during the probation period. In addition, it is a commercial enterprise, insuring its employees.

The legal obligation does not depend on the will or voluntariness of the parties, even if the employees indicate that they do not need to pay insurance.

Yes, and commercial insurance can't replace social insurance. Enjoy old-age insurance benefits

Those who have paid the old-age insurance premium 15 years or more and reached the statutory retirement age can enjoy the old-age insurance benefits:

1, receive the basic pension on a monthly basis according to regulations until death.

The basic pension is calculated as follows:

Basic pension = basic pension+personal account pension+transitional pension = employees in the whole city one year before retirement

Average monthly salary × 20% (15% if the payment period is short 15)+ personal account principal and interest and ÷ 12.

0+ indexed monthly average payment salary × 1997×65438 Payment period before the end +0.4%.

2. Death treatment. (1) funeral expenses (2) one-time pension (3) immediate family members who meet the support conditions.

Subsidies for living difficulties shall be paid monthly until the immediate family members who support them die.

Note: Endowment insurance should be paid continuously as far as possible. According to the relevant documents, all enterprises or insured persons must pay fees intermittently.

Basic old-age insurance premium (except for unemployed persons who receive unemployment insurance benefits or those who fail to pay according to regulations)

), the insured meets the conditions stipulated by the state for receiving a pension, and the basic pension is calculated and paid when the basic pension is calculated and paid.

When calculating the base, according to the cumulative intermittent payment time, it is pushed forward year by year to the corresponding average salary of employees in this city in the previous year.

Calculation (cumulative intermittent payment time, every 12 months as an intermittent payment year, less than 12 months.

Calculation)

For example:

If you retire in 2020, under normal circumstances, your basic pension is 2065438+20% of the average social wage in 2009, but if

If your pension insurance is interrupted for 30 months before retirement, it will be interrupted for 2.5 years. According to 2 years, your basic support

Laojin is 20 17 × 20% of the average social wage.

Enjoy medical insurance benefits

1, outpatient and emergency medical expenses

In-service employee's annual (65438+1October1-65438+February 3 1) is in line with the accumulated medical expenses in medical insurance coverage.

More than 2000 yuan;

2. Settlement ratio:

During the contract period, 50% of the dispatched personnel will be reimbursed for more than 2,000 yuan, and 50% will be paid by the individual;

Within one year, the maximum amount of accumulated reimbursement for outpatient and emergency services of dispatched personnel is 20,000 yuan.

3, the insured shall properly keep the medical documents in the designated hospital outpatient service (including the large part of the following income

According to, prescription, etc. ), as a medical expense reimbursement certificate;

4. Outpatient treatment of three special diseases: radiotherapy and chemotherapy for malignant tumor of the insured, renal dialysis,

When taking anti-rejection drugs after renal transplantation requires outpatient treatment, the second-and third-level designated hospitals where the insured person sees a doctor will prescribe "disease"

Diagnosis certificate ",and fill in the" Beijing medical insurance special disease declaration and approval form ",submitted to the district medical insurance center for approval.

Keith. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals approved for treatment and cannot go to designated retail outlets.

Drug store purchase. The medical expenses incurred meet the prescribed scope of outpatient special diseases, with reference to hospitalization settlement;

5. Hospitalization

● Hospitalization deposit: When the insured who meets the hospitalization conditions is hospitalized, the hospital will collect part of the deposit of the insured.

The amount of gold and deposit is determined by the hospital according to the condition in proportion. If the dispatched personnel unit and the insured fail to arrive on time.

If the medical insurance premium is paid in full, the hospitalization deposit shall be paid in full by the dispatched personnel;

● Settlement period: every 90 days of hospitalization of insured persons is a settlement period: if it is less than 90 days, each hospitalization will be made.

For a settlement cycle;

● Malignant tumor patients suffering from spermatozoa who take anti-rejection drugs after outpatient radiotherapy and chemotherapy, renal dialysis and renal transplantation.

Medical expenses incurred by mental patients who need hospitalization all the year round shall be settled once every 360 days;

The insured in the designated community health service center (station) family bed treatment of medical expenses, each

90 days is a settlement cycle;

● When the insured is discharged from the hospital or the stage of treatment is over, it is necessary to send personnel to settle accounts with the hospital first.

The expenses paid by individuals and at their own expense shall be paid by the basic medical insurance pooling fund and the large medical mutual aid fund.

Medical expenses shall be audited and settled by the hospital at the medical insurance center;

● When the insured person is hospitalized, medical expenses shall be settled within the scope specified in the basic medical insurance, and basic medical care shall be set.

Co-ordinate the deductible and maximum payment lines of fund payment;

● The first hospitalization of the deductible line 1.300 yuan, and the later hospitalization in 650 yuan, with a maximum payment limit of 50,000 yuan; Exceed the most

Mutual assistance for large medical expenses with high payment ceiling (excluding the following part of Qifubiaozhun and the personal burden of dispatched personnel)

70% of the funds are paid, and 30% of the dispatched personnel are personally responsible. The maximum compensation for one year is 654.38+10,000 yuan. Hospitalization expenses

Settlement standard, in a settlement cycle, according to the level of the hospital and the amount of expenses for subsection calculation and accumulation.

Law.

(When the proportion is adjusted, the new standard should be applied. )

Note: medical insurance for non-public traffic accidents is exempt!

Unemployment insurance benefits.

Unemployment insurance is paid continuously for more than 1 year, and the files are returned to the street. You can enjoy unemployment insurance benefits in the street.

1. Unemployment insurance benefits: refers to the basic income paid by unemployment insurance agencies to eligible unemployed people according to regulations.

Living expenses are the most important welfare of unemployment insurance. Unemployment insurance benefits shall be implemented according to relevant documents of Beijing;

2. Medicaid during the period of receiving unemployment insurance benefits: refers to the period paid to the unemployed to receive unemployment insurance benefits.

Subsidies for medical expenses incurred. According to relevant policies and regulations of Beijing;

3. Funeral subsidies for unemployed people who died during the period of receiving unemployment insurance benefits and their dependent spouses and immediate family members.

Pensions shall be implemented in accordance with relevant regulations.

Work-related injury insurance enjoys treatment.

If an accident happens unfortunately during the contract period, you should find the enterprise as soon as possible to explain the situation and affix the official seal of the enterprise (preferably

Within three working days) apply for work-related injury identification and provide the following materials:

1, initial treatment diagnosis or hospitalization medical records;

2. Occupational disease diagnosis certificate (one original and one copy each);

3. If there is a traffic accident, provide a traffic brigade accident award or a traffic accident confirmation from the traffic department;

4. Copy of ID card;

5. Original labor contract within the validity period

Maternity insurance benefits.

Maternity-related expenses can be reimbursed.

The scope of reimbursement includes maternity allowance, maternity medical expenses, family planning operation medical expenses, and national and municipal regulations.

Other expenses related to childbirth.

Maternity allowance is calculated according to the payment base of the month when female employees give birth divided by 30 and multiplied by the number of days of maternity leave. Fertility fluid

Posted as the salary of female employees during maternity leave, if the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise.

Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses and hospitalization expenses incurred by female employees due to pregnancy and childbirth.

Fee and medicine fee.

The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning.

Now it is required to pay medical insurance for 20 years, pay pension 15 years to qualify for pension, and enjoy medical insurance after retirement.

sell

Then there are some things that you can't find online.

First of all, if you go to work outside your registered permanent residence, for example, your original registered permanent residence is in Beijing, and you go to work in Shenzhen, regardless of whether your registered permanent residence is transferred.

In the past, if Shenzhen did not work in Shenzhen in the future, it was very successful to transfer the five insurances and one gold paid in Shenzhen.

The problem is that there is no internet connection in the whole country at present, only in Beijing, that is to say, for example.

If you used to work in one unit in Beijing for several years, and then jumped to another unit in Beijing, it would be five risks and one risk.

There is no problem with gold, but if you jump from other provinces and cities, it will be very troublesome to turn around. Whether it can be transferred is still a question.

About three of the five insurances mentioned above, enterprises and individuals pay jointly, that is to say, for example, endowment insurance.

For example, if your salary is 2,000 yuan, then you have to pay 8% of the company 15% (all the above data are false).

The money will be deposited in one of your accounts until you can enjoy the old-age insurance.

Withdraw it (see above for details) and then consider what was written in the previous paragraph in case it can't be transferred.

Your money has been paid for nothing and you can't take it out.

All enterprises and individuals pay the same part, so does the housing provident fund, such as multiplying by wages.

In proportion, if you want to pay 500 units a month, then pay 1000. If you change jobs, you can't transfer money.

You can't pay 500 yuan for nothing every month-because you don't qualify for housing provident fund.

You can only take it out when you buy a house.

Then someone may ask, if I don't plan to develop my life in the city where I just started working, in order to prevent it from being

I can't transfer, can I not pay five insurances and one gold? The answer is not at least three risks, that part is compulsory by the state.

I have to go to bed, so I am helpless.

In addition, the question of which part of your salary is multiplied by that percentage is about the base of five insurances and one gold.

First of all, let's look at the composition of salary, basic salary+various benefits+bonuses.

Many enterprises only pay five insurances and one gold according to the basic salary, because if you calculate according to three parts, you personally

There are many online, but the company gives you more (the five insurances and one gold paid by enterprises and individuals are paid by individuals)

Therefore, many enterprises can save as little as possible in order to save money for themselves.

In addition, there is a big problem in the welfare part, which everyone must ask when signing a contract in the future!

As mentioned earlier, housing provident fund is also paid by enterprises and individuals, but the part that enterprises pay for you will be paid sooner or later.

It's yours (you can take it out once you buy a house in the future). For example, you can take it out in proportion every month.

Paying 500 units may give you 1000. Although this 1500 cannot be taken out before you buy a house, in theory,

That 1000 is also for you, so some enterprises will count that 1000 as your welfare, but it shouldn't.

! ! ! ! Because that 1000 is empty, you can't get it without buying a house, so everyone is signing it.

Be sure to ask whether this welfare includes housing provident fund. Be careful!