Shanghai social security is five insurance and one gold?

Shanghai social security is five insurance and one gold.

Shanghai five insurance and one gold in the "one gold" refers to the housing fund, and "five insurance" including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, five insurance programs, which can be divided into town pension insurance, small town pension insurance and basic pension insurance for urban and rural residents. The five insurance programs include pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.

Pension insurance is categorized as follows:

1. Urban and rural residents' pension insurance, this kind of pension insurance belongs to one kind of social security, voluntary participation, not participate in the employee pension insurance, you can participate in the urban and rural residents' pension insurance, pay yearly, the amount of contribution can be selected according to their own financial ability, as long as the local household registration or hold a residence permit are able to buy;

2, Urban workers' pension insurance, the same social security, employees or flexibly employed people can buy; employees are the company and individual contributions in proportion;

3, commercial annuity insurance, commercial annuity insurance is to survive as a condition of payment, you can agree on the time to start returning, such as from the fifth year of the policy or the age of the agreement to start receiving the annuity, the period of protection there are a variety of choices, there are insured for 5 years, 10 years, 15 years, 20 years and life insurance and other more There are various choices of protection period, such as 5 years, 10 years, 15 years, 20 years and whole life, and so on. The annuity insurance chooses to add the universal account method, the funds can automatically enter the universal account in the compound interest appreciation, daily can randomly receive, the use of flexible. There are also annuity insurance with dividends, in addition to survival to receive, there will be dividends, just not sure of the benefits;

4, commercial pension annuity insurance, this type of insurance is a form of annuity insurance, usually after reaching the age of the start to receive a fixed amount of money, you can choose whether to receive by the year or by the month. This type of pension insurance, insurance benefits to determine, basically will have a guaranteed receipt of time, if the guaranteed receipt of the period of death, did not receive the end of the beneficiaries can be;

5, whole life insurance, whole life insurance is divided into a fixed amount of whole life insurance, there is also an increase in whole life insurance, the protection of the contents of the death of the only high disability, but can be reflected in this type of insurance through the value of the cash to the financial attributes of the whole life insurance. High cash value, such as incremental whole life insurance is in accordance with the fixed amount of compound interest incremental, cash value of the fast growth rate, you can reduce the insurance to receive the cash value of the way to use as a pension;

6, investment-linked insurance, this type of insurance as a pension insurance, the level of risk is relatively high, this is a means of long-term investment, the insurance company is responsible for the management of the account funds, to collect a certain amount of management fees, there is no guaranteed income, profit and loss, the loss is not guaranteed, but also a lot of money. The insurance can also insure the death, that is to say, in the safe maturity, you can get a maturity gold used as a pension, and at the same time in the insurance period of the death, you can have the death gold payout.

In summary, the five insurance and one gold is now often said in people's mouth social security, provident fund. Social security is actually five insurance, the most important is the pension insurance and medical insurance, this is similar to the former commercial insurance, five insurance is equivalent to universal insurance. To a certain extent, it reflects that the state takes money to do big things, so that people can live in peace and work happily and have something to rely on in their old age. The provident fund is a housing fund, which can be withdrawn when buying or renting a house, or renovating a house.

Legal basis:

The Chinese People's **** and the State Insurance Law, Article 2

The insurance referred to in this law, refers to the policyholder according to the contract, pay the premiums to the insurer, the insurer for the contractual agreement of the possibility of accidents due to the occurrence of the property damage caused by the liability to compensate for the insurance premiums, or when the insured person's death, disability, disease, or to reach the contractual age, duration and other conditions. Contractually agreed upon age, duration and other conditions of the commercial insurance behavior to assume the responsibility to pay the insurance premiums.