Minimum standard of five insurances and one gold in Zhengzhou city

Minimum payment standard of medical insurance: unit: 2 19.6 yuan; Personal: 54.9 yuan.

Minimum payment standard of unemployment insurance: unit: 19.22 yuan; Personal: 8.24 yuan.

Minimum payment standard for endowment insurance: unit: 439.2 yuan; Personal: 2 19.6 yuan.

Minimum payment standard of maternity insurance: unit: 27.45 yuan; Personal: No need to pay.

Minimum payment standard of industrial injury insurance: unit: determined according to the industry; Personal: No need to pay.

Minimum deposit standard of housing provident fund: 95 yuan; Personal: 95 yuan.

Zhengzhou's "five insurances" refer to: endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund.

1. What is the minimum payment base of Zhengzhou social security?

Confirm the base of 2745 yuan/month. The average salary of employees in the previous year is used as the base of social insurance payment. If it is lower than 60% of the average wage of employees in full-caliber urban units in Henan Province (that is, 2745 yuan), the base will be confirmed at 2745 yuan/month; If it is higher than the average annual salary of employees in full-caliber urban units in Henan Province by 300% (that is, 13725 yuan), the base will be confirmed by 13725 yuan/month.

Second, the difference between social security payment methods.

There are two ways for individuals to pay social security. The first way is to find a human resources company specializing in personal social security payment, and the other way is to pay in the personal window of the Social Security Bureau. There are some differences between these two ways of paying social security. You can choose according to your own needs.

1, different payment requirements

The personal window of the Social Security Bureau must be a local account, and foreign personnel need to return to the place where they are registered to pay social security. There is no hukou requirement for social security paid by human resources companies.

2. The properties of attributes are different.

Social insurance paid by human resources companies belongs to employee insurance, including pension, medical care, work injury, maternity and unemployment. The proportion of medical reimbursement is based on the standards of enterprise employees, and maternity leave and maternity allowance are also enjoyed. It is also the basic old-age insurance for enterprise employees to enjoy retirement benefits after retirement. Social security paid by personal window belongs to flexible employee insurance, which is essentially different from employee insurance and cannot be treated uniformly. Although individuals pay social security and participate in pension and medical insurance, the payment base and treatment are still different from those of employees.

3. There are differences in the payment base.

Personal window social security has five files to choose from, and employee social security can be freely selected on the basis of the minimum payment base. Different payment bases determine different treatment. The higher the base, the higher the insurance coverage for medical care, pension and maternity.

Although there are differences between these two ways of paying social security, for endowment insurance, the accumulated payment period is the basis for calculating the length of service. Both are that the longer the payment period, the more pensions you can receive after retirement. Therefore, even if you don't work in the unit, you should pay attention to your social security problems.

legal ground

The latest provisions of the payment standard of five insurances and one gold in Henan province, the use and payment method of five insurances and one gold.

Payment ratio of five insurances and one gold in Henan

1. Pension insurance contribution ratio: 28% of the employee's salary base (including 20% of the unit and 8% of the individual).

2. Payment ratio of work-related injury insurance: 0.5%, 1% and 2% of the total payment base of employees in this unit. The proportion of payment is determined according to the degree of risk of the unit. The work-related injury insurance premium is paid by the unit, and the employees of the unit do not pay it.

3. The proportion of medical insurance payment: 65,438+00% of the employee's salary base (including 8% of the unit and 2% of the individual).

4. Maternity insurance payment ratio: 1% of the total payment base of unit employees, and unit employees do not pay.

5. Unemployment insurance payment ratio: 3% of the employee's salary base (including 2% of the unit and 1% of the individual).

6. Payment ratio of housing provident fund: In the year when housing provident fund was paid, the payment ratio of housing provident fund in Zhengzhou was 5%~ 12% for units and employees.