What is the difference between having five insurances and one housing fund and not having hardware a

Social insurance (five insurances) is a type of compulsory national insurance, and any unit or individual that has established a labor relationship must participate in it, which is clearly stipulated in paragraph 7 of Article 17 of the Labor Contract Law. Those who have paid social security in accordance with the law can enjoy pension, medical insurance, work-related injury insurance, maternity insurance and unemployment insurance when they reach the statutory retirement age. If you do not pay social insurance (five insurances), you will not be able to enjoy the above benefits.

Similarly, the payment of housing provident fund (one housing fund) is also a mandatory provision of the state, which is paid by the employer and the worker respectively, and the housing provident fund can be applied for a provident fund loan when buying a house, repairing a house, and renovating a house, and the loan can be repaid with the provident fund, and the provident fund will be returned in full when retiring. If you do not pay the CPF, you will not be able to enjoy the above benefits.

It seems that there is no hardware insurance.

It should be five insurances and one housing fund: endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, and housing provident fund.

For employees, social insurance is now commonly referred to as:"Five insurances and one housing fund"The specific five insurances are: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work-related injury insurance; One gold is: housing provident fund.

Housing Provident Fund";The proportion of specific units and individuals is 50% each, which is calculated according to the average annual salary of individuals. The state stipulates that the housing provident fund shall not be less than 10% of the salary, and the units with good benefits can be higher, and the employees and units shall bear 50% each

Therefore, it is very cost-effective to pay the housing provident fund for employees!

Five insurances"In terms of employee wages, the proportion of units and individuals is generally as follows: 20% for pension insurance units and 8% for individuals; 6% for medical insurance units and 2% for individuals; 2% for unemployment insurance units and 1% for individuals; 1% of the maternity insurance is fully borne by the unit; Work-related injury insurance is also fully borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

The difference between having five insurances and one housing fund and not having five insurances and one housing fund:

1. You can receive a pension when you pay endowment insurance to retirement age;

2. Pay medical insurance, if you go to the hospital for medical treatment with a disease, you can be reimbursed proportionally;

3. Pay unemployment insurance, pay for 1 consecutive year, and resign due to the employer's reasons or resignation due to contract expiration, you can enjoy unemployment benefits;

4. Pay maternity insurance, you can reimburse the examination fees and maternity expenses when you are pregnant and give birth, and you can also receive wages for maternity leave during childbirth;

5. Pay work-related injury insurance, and enjoy the corresponding work-related injury reimbursement treatment if you are injured by an accident due to work reasons;

6. If you have paid the housing provident fund, you can apply for a housing provident fund loan when you buy a house, and you can reduce the down payment and loan interest rate.

Without five insurances and one housing fund, these benefits are not enjoyed.

Legal basis

Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth. Article 16 Individuals participating in the basic endowment insurance who have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance treatment in accordance with the provisions of the first regulation. Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the State, and they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance benefits in accordance with the provisions of the State; If the number of years stipulated by the previous state has not been reached, the payment can be made up to the number of years specified by the state. Article 36 Where an employee is injured in an accident or suffers from an occupational disease due to work-related reasons, and the work-related injury is recognized, he or she shall enjoy work-related injury insurance benefits; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability benefits.

The determination of work-related injuries and the evaluation of labor ability shall be simple and convenient.

The five insurances are maternity insurance, medical insurance, endowment insurance, unemployment insurance, work-related injury insurance, and one housing fund is the housing provident fund. Because the law stipulates that the company must pay five insurances to employees, but there is no provision to pay a gold, and the payment of a gold fund also depends on the size of the company, and ordinary companies have no right to pay a gold.

The five insurances refer to maternity insurance, work-related injury insurance, unemployment insurance, endowment insurance, and medical insurance; This mainly depends on the company, if the company is relatively large and the benefits are good, it will pay five insurances and one housing fund, and the company is not very large, and the treatment is not very good, he will not pay a gold.

Supplementary one gold refers to endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, while one gold fund refers to the housing provident fund; Under normal circumstances, the proportion of provident fund paid in the five insurances and one housing fund is relatively high. The reason why some companies do not pay a single fund to their employees. It is to reduce the cost of employment.

First of all, a prerequisite is to answer that we acknowledge that the money that goes into the CPF account belongs to us and can be used in the future, which is equal to the salary. Then, without considering the five insurances and income tax factors, for example, the same salary of 5,000 yuan, if there is no provident fund, your monthly salary is still 5,000 yuan. If you have a CPF, even if the CPF is only paid at the minimum 5% rate, then your salary is essentially $5,250.

If calculated at the highest percentage of 12%, then your salary is essentially 5,600 yuan, a difference of a few hundred per oak month, and a few thousand a year.

It's all real gold**, and it should be valued. Five insurances and one housing fund, including endowment, medical care, unemployment, work-related injury, and maternity; One is the housing provident fund. As for the contribution ratio of five insurances and one housing fund for units and individuals, it is good to know that work-related injury insurance and maternity insurance do not need to be paid.

Other parts are not part of our intervention. When many young people choose to work when they first enter the society, they go directly to the company without five insurances and one housing fund. entered a company with five insurances and one housing fund, and was deducted a large amount of money before I got my salary, which was heartbreaking.

At this time, I began to understand the five insurances and one housing fund. Luckily, it's not too late. Listen to Egg Yolk Superman talk to you about what you can do with five insurances and one housing fund?

No one wants to be hospitalized one day, but the pain is always so sudden. Medicare is paying for your illness. Common dizziness and colds can be solved by taking medicine, and you can directly swipe your medical insurance card to buy medicine.

If you are unfortunate enough to have a serious illness and need to be hospitalized for surgery, medical insurance can help if the medical expenses meet certain conditions.

However, if you feel that your appearance can be more beautiful, go to the hospital**, improve your overall appearance, increase your height, and be clear is just icing on the cake, not a timely assistance, and medical insurance does not matter. There are other areas where health insurance is not responsible. You can find out in advance.

In the past, you may have felt that workers' compensation insurance was far away from you. In fact, current high-risk occupations are not limited to workers who need to climb elevated platforms or coal miners who go down deep shafts. According to the 996 work system implemented by some companies, even for young people sitting in front of the computer, it is not uncommon for the news of sudden death to float in the hot search.

If there is a housing provident fund, you can use the provident fund loan when you buy a house, and the interest rate is particularly low when you seep the loan, and the time to repay it is relatively long.

The difference is indeed bigger, it will be easier to buy a house with a provident fund, and the interest on the loan is relatively small, which is very important and can save a lot of money.

Legal analysis: There is no hardware and one insurance, only five insurances and one housing fund. Five insurances and one housing fund refer to the collective name of several types of guaranteed benefits granted by employers to employees.

"Five insurances and one housing fund" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund.

Legal basis: In accordance with Article 2 of the Social Insurance Law of the People's Republic of China, the State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the state and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

According to Article 2 of the Regulations on the Administration of Housing Provident Fund, these Regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China. The term "housing provident fund" as used in these Regulations refers to the long-term housing savings fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, public institutions, private non-enterprise units, social organizations (hereinafter collectively referred to as units) and their employees.

At present, there is no such thing as Qinqiao in hardware and one insurance, only five insurances and one housing fund. Five insurances and one housing fund refer to the five types of social insurance and the housing provident fund. These five types of insurance refer to basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance and maternity insurance.

The employer must pay five insurances to the employee, but the law does not mandate that the housing provident fund must be paid.

There is no such thing as one insurance for hardware, only five insurances and one housing fund. Five insurances and one housing fund refer to the five types of social insurance and the housing provident fund. These five types of insurance refer to Hu Fangque's basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance and maternity insurance.

Employers are required to pay five insurances to their employees, but the law does not mandate that they must pay housing provident fund.

Legal basisArticle 2 of the Social Insurance Law.

The State has established social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material and material assistance from the state and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.