How do I pay the three gold insurance? How to pay the three personal insurances

Freelancers (individuals) can participate in social insurance in the same way as employees of enterprises. Social insurance premiums include basic endowment insurance premiums, basic medical insurance premiums, unemployment insurance premiums, work-related injury insurance premiums, and maternity insurance premiums. It is commonly known as the five insurances.

The insurance that freelancers (individuals) can participate in is endowment insurance, unemployment insurance, and medical insurance, that is, the "three insurances".

1.Freelancers (individuals) also known as flexible employees refer to those who are employed in flexible and diverse forms such as part-time, temporary, seasonal, and flexible work, including self-employed businesses without employees, part-time employees, and freelancers such as lawyers, accountants, freelancers, and actors. Flexibly employed persons can voluntarily participate in the basic pension insurance for employees, and the insurance premiums are also borne by the individual.

2.China implements a model that combines social pooling and personal accounts. The basic endowment insurance and treatment are divided into two parts, one part is the basic endowment insurance premium paid by the employer into the basic endowment pool, which is used to pay for the social pension when the employee retires, and the overall pension is used to balance the burden of the employer, and the implementation of pay-as-you-go reflects social mutual assistance.

The other part is that the basic pension insurance premiums paid by individuals go into the personal account, which is used to bear the payment of the pension in the personal account after retirement, reflecting personal responsibility.

3 .Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance can choose different payment levels to determine the payment base in accordance with the pension insurance payment base stipulated by the state and various localities, and the payment will be credited to the basic pension insurance co-ordination and personal account by the social security center.

4.Contribution base and contribution ratio of flexible employees: The payment base of flexible employment personnel participating in basic pension insurance is the average monthly salary of local employees in the previous year, and the contribution ratio is 20%, of which 8% is credited to personal accounts.

If you pay the insurance by yourself, you must pay it at the place where your household registration is located, and you must first deposit the file in the employment agency before you can pay it.

Insurance that is not in the place of residence shall be paid by the company at the place of work.

The account will not be transferred, and the file will not be transferred.

Only those who have just graduated and have a dispatch certificate can deposit their files with the Labor Bureau.

Legal analysis: In general, the three insurances refer to unemployment insurance, endowment insurance and medical insurance. Endowment insurance and medical insurance can generally be paid in accordance with the method of flexible employment of bright salesmen, endowment insurance:

The applicant submits the application materials to the Social Security Bureau, and the staff of the Social Security Bureau reviews the materials and the applicant's conditions on the spot. If you meet the requirements, apply immediately, and print the "Verification Form for Flexible Employment Personnel to Participate in Basic Pension Insurance" (in duplicate), one copy of which shall be kept by the applicant, and the other copy shall be submitted to the applicant for signature and confirmation and then kept by the Social Security Bureau. Medical Insurance:

Flexible employees should go through the morning reporting and registration procedures at the local medical insurance bureau with the original and photocopy of their ID card. After passing the examination, the handler will issue a medical insurance card, card and special book. Unemployment insurance is generally not available for individual contributions.

Legal basis: Social Insurance Law of the People's Republic of China

Article 10 Employees Shenbi shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Three insurances and one housing fund" (basic endowment insurance.

fees, basic medical insurance.

fees, unemployment insurance.

In accordance with national regulations, the "three insurances and one housing fund" shall be jointly paid by the employer and the individual, paid regularly, deposited into the insurance account or provident fund account opened in the capacity of the individual, and managed by the relevant social functional departments. The calculation and payment method of "three insurances and one housing fund" is as follows:

1. Endowment insurance: 4% of the salary base paid by individuals, 10% of the base paid by enterprises for labor clearance, and individuals pay to the legal normal retirement age.

2. Medical insurance: 2% of the salary base paid by the individual for basic medical insurance, and the part of the salary base paid by the unit goes into the personal account; Individuals pay 3 yuan per month for mutual aid funds for large medical expenses, and the unit pays 1% of the salary base. When an individual is sick, the basic medical insurance will co-ordinate the expenses of the individual account**.

If the minimum payment standard of basic medical insurance is exceeded, the medical expenses that should be borne by the individual in proportion to the standard. The part of the personal account that is insufficient to pay shall be paid by the person himself/herself.

3. Unemployment insurance: if the individual pays the wage base, the unit pays the wage base. Participating in unemployment insurance in accordance with regulations, and the employer and the person have fulfilled the obligation to pay contributions in accordance with the provisions for one year; Interruption of employment not due to the person's will; A: Youhe has registered as unemployed.

Those who also have a job search requirement can receive unemployment insurance.

4. Housing provident fund: x8% of the salary base paid by the individual, and 8% of the salary base paid by the unit. Purchase, construction, renovation and overhaul of owner-occupied housing by individuals; Those who are on leave or retired have completely lost their ability to work and have terminated their labor relationship with the unit; Those who move out of the city or county where their household registration is located or leave the country to settle down; repayment of principal and interest of purchases and loans; If the rent exceeds the prescribed proportion of the family's salary income, the housing provident fund can be withdrawn.

Also, on July 6 of this year, the Ministry of Finance.

A joint circular issued by the Ministry of Finance and the State Administration of Taxation at the end of June was announced. The notice makes it clear that within the range of no more than 12% of the average monthly salary of the employee in the previous year, the housing provident fund actually paid by the unit and the individual shall be allowed to be included in the taxable income of the individual.

deducted. If it exceeds 12%, the excess part will be incorporated into the individual's current wage and salary income and levied individual income tax.

Therefore, you need to understand the ratio of three insurances and one housing fund in the unit, so that you can know how much you have to pay.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1. The endowment insurance shall be paid jointly by the employer and the employee, and the employer shall pay the basic endowment insurance premium in accordance with the proportion of the total salary of the employee in the unit stipulated by the state, and the employee shall pay the basic endowment insurance premium in accordance with the proportion of his or her own salary stipulated by the state; 2. The basic medical insurance shall be jointly paid by the employer and the employee; Unemployment insurance is paid jointly by the employer and the employee.

Legal basis: Article 58 of the Social Insurance Law An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Article 63 Where an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up the amount within a time limit. If the employer fails to pay or make up the social insurance premiums within the time limit, the social insurance premium collection agency may inquire about its deposit account with banks and other financial institutions; They may also apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their depositary banks or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premiums to be paid, the social insurance premium collection agency may require the employer to provide a guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premiums in full and fails to provide a guarantee, the social insurance premium collection agency may apply to the people's court to seize, seal up or auction the net assets whose value is equivalent to the social insurance premiums to be paid, and use the auction proceeds to offset the social insurance premiums.

1. How to pay the three insurances of employee insurance.

1. The payment of the three insurances of employee insurance is based on the salary of the employee, as follows:

1) Pension for the elderly, 20% for enterprises and 8% for individuals;

2) Medical, 10% for enterprises and 2% for individuals;

3) Unemployed, 2% for enterprises and 1% for individuals;

4) Work-related injuries and maternity are borne by the enterprise, and the individual regrets do not pay the fee.

2. Legal basis: Article 30 of the Social Insurance Family Law of the People's Republic of China.

The following medical expenses are not covered by basic medical insurance**:

1) It should be paid out of work-related injury insurance**;

2) It shall be borne by a third party;

3) It should be borne by public health;

4) Seeking medical treatment outside the country.

Medical expenses shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

Article 13. Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the basic endowment insurance premiums that should be paid during the deemed payment period shall be borne by the first.

When the basic endowment insurance is insufficient, it will be subsidized.

2. How many years do employees need to pay for medical insurance?

There are different years for men and women to pay medical insurance, as follows:

1. Girls are 20 years;

2. Twenty-five years for men;

3. After paying medical insurance for a sufficient number of years, you can no longer continue to pay.

Summary. Hello, glad to answer for you. Typing, please wait a moment.

You can't pay three insurances and one housing fund by yourself. Individuals can only pay for medical insurance and pension insurance, such as maternity insurance, work-related injury insurance, and unemployment insurance, which can only be paid if the company participates.

Can you pay three insurances and one housing fund by yourself?

Hello, glad to answer for you. Typing, please wait a moment. You can't pay three insurances and one housing fund by yourself.

Individuals can only pay for medical insurance and pension insurance, such as maternity insurance, return work-related injury insurance, and unemployment insurance, which are all part of the company.

"Three insurances and one housing fund" (basic endowment insurance premiums, basic medical insurance premiums, unemployment insurance premiums and housing provident fund) In accordance with national regulations, the "three insurances and one housing fund" shall be jointly paid by the employer and the individual, and shall be paid on a regular basis, deposited into the insurance account or provident fund account opened in the capacity of an individual, and shall be uniformly managed by the relevant social work and disorder departments.