What is the difference between three insurances and one housing fund and five insurances and one hou

Five insurances: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance;

Three insurances: endowment insurance, unemployment insurance, medical insurance;

The difference is that the latter has less work-related injury and maternity insurance, and work-related injury insurance and maternity insurance are entirely borne by the enterprise and do not need to be paid by individuals. Therefore, regular companies buy five insurances and one housing fund, and some companies sell less in order to save money.

In the early days, China implemented the system of pension, medical care, unemployment and provident fund. Later, with the development of the social security system, two items of work-related injury and maternity were added, forming "five insurances and one housing fund". Therefore, the "three insurances" and "five insurances" are the situation of the two periods before and after, and for the time being, the employer pays according to the provisions of the five insurances and one housing fund.

"Five insurances" 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. Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises. Individuals do not need to pay.

It should be noted here that the "five insurances" are statutory, while the "one gold" is not.

Five insurances: endowment insurance, medical insurance, marriage and childbirth insurance, work-related injury insurance, unemployment insurance.

One gold: housing provident fund.

It belongs to social insurance.

Three insurances and one housing fund refer to the payment of several of them, and the specific units are different.

As the name suggests, the difference is that there are two types of insurance missing, and the payment base and payment amount are the same.

The two types of insurance that are generally less are maternity insurance and unemployment insurance.

Three insurances and one housing fund: basic endowment insurance premiums, basic medical insurance premiums, unemployment insurance premiums, and housing provident fund.

"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;

What is the difference between three insurances and one housing fund and five insurances and one housing fund.

The difference between three insurances and one housing fund and five insurances and one housing fund.

1. From the company's point of view, it is better to buy less and pay less, and from a personal point of view, of course, it is better to pay all five insurances and protect all of them. However, according to the regulations, the five insurances should be paid at the same time.

2. The proportion of social security contributions is generally as follows:

Pension insurance: 20 units, 8 individuals;

Medical insurance: 8 units, 2 individuals;

Unemployment insurance: 2 for units, 1 for individuals.

Work-related injury insurance and maternity insurance are fully borne by the enterprise, each of which is about 1%, and individuals do not need to pay. The proportion of the unit is slightly different from region to region, and is subject to local regulations.

The company pays five insurances, compared with three insurances, there is not much cost, pension and medical care are necessary, but also account for the majority of the cost, other types of insurance, the cost is not much.

Hello, the difference between "three insurances and one housing fund" and "five insurances and one housing fund": the payment of insurance is different. "Five insurances" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance;

The "three insurances", namely endowment insurance, medical insurance and unemployment insurance, are paid by freelancers or self-employed people, and they do not have maternity insurance and work-related injury insurance that enterprises are responsible for. As for the "one gold", it is about the housing provident fund. At present, China's ** requires employers to participate in five insurances and one housing fund for employees in accordance with the regulations, and three insurances and one housing fund have become a thing of the past.

The specific analysis is as follows:

1. Compared with the "five insurances", the "three insurances" lack work-related injury insurance, which refers to a social insurance system in which workers or their surviving family members receive material assistance from the state and society when they suffer from accidental injuries or occupational diseases resulting in temporary or permanent loss of working ability and death at work or under specified special circumstances. The state determines the differential rates of different industries according to the degree of work-related injury risk, and determines the rate grades in each industry according to the use of work-related injury insurance**, the incidence of work-related injuries, etc. 2. Compared with the "five insurances", the "three insurances" lack maternity insurance, which is a social insurance system in which the state provides medical services, maternity allowances and maternity leave by the state and society when pregnant and pregnant women workers temporarily interrupt their work, and the state or society gives necessary economic compensation and medical care to employees who give birth.

The unemployed spouse of an employee shall be entitled to maternity medical expenses in accordance with the provisions of the state. The required funds are paid out of maternity insurance**. Maternity insurance benefits include maternity medical expenses and maternity allowances.

Social Security Contribution Ratio:

1. Endowment insurance: 20 units, 8 individuals.

2. Unemployment insurance: unit, individual.

3. Work-related injury insurance determines its work-related injury rate according to the scope of the industry into which the unit is divided. 4. Maternity insurance (non-registered employees do not pay): units and individuals do not pay; 5. Basic medical insurance:

Unit 10, individual 2 3 yuan.

6. Provident fund payment ratio: the unit and individual payment ratio is the same, and the unit and individual pay 8% -10 respectively

The difference between three insurances and one housing fund and five insurances and one housing fund is the lack of work-related injury insurance and maternity insurance.

"Five insurances and one housing fund" refers to five kinds of social insurance and a provident fund, and the "five insurances" include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund. Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are premiums paid jointly by enterprises and individuals; Work-related injury insurance and maternity insurance are entirely borne by the enterprise, and individuals do not need to pay for it. It should be noted here that the "five insurances" are statutory, while the "one gold" is not.

"Three insurances" are: endowment insurance, unemployment insurance, medical insurance; One gold, namely: housing provident fund (used when buying a mortgage).

It should be noted that although endowment insurance, medical insurance, unemployment insurance and housing provident fund are all premiums jointly paid by enterprises and individuals, the previous "three insurances" are statutory, while "one gold" is not statutory.

Legal basis: Article 2 of the Social Insurance Law of the People's Republic of China 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' rights to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 70 of the Labor Law of the People's Republic of China states that the state shall develop social insurance, establish a social insurance system, and establish social insurance**, so that workers can receive help and compensation in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 71 of the Labor Law of the People's Republic of China stipulates that the level of social insurance shall be commensurate with the level of social and economic development and social affordability.

Article 72 of the Labor Law of the People's Republic of China stipulates that social insurance shall determine the funds according to the type of insurance, and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

Article 73 of the Labor Law of the People's Republic of China stipulates that workers shall enjoy social insurance benefits in accordance with the law under the following circumstances:

a) retirement; b) Illness;

3) Suffering from work-related disability or occupational disease;

iv) unemployment; 5) Childbearing.

After the death of a worker, his surviving family members are entitled to survivors' allowances in accordance with the law.

The conditions and standards for workers to enjoy social insurance benefits shall be prescribed by laws and regulations. Social insurance contributions must be paid in full and on time.

In fact, the "three insurances" in the three insurances and one housing fund mainly refer to endowment insurance, unemployment insurance, and medical insurance. The "one gold" is the housing provident fund. In fact, it is equivalent to all the main contents of China's social security, including endowment insurance, unemployment insurance, work-related injury insurance, lap round medical insurance, maternity insurance, and "one gold" is also a housing provident fund.

Legal analysis: In fact, the "three insurances" in the three insurances and one housing fund mainly refer to endowment insurance, unemployment insurance, and medical insurance. The "one gold" is the housing provident fund.

In fact, it is equivalent to all the main contents of China's social security, including endowment insurance, unemployment insurance, work-related injury insurance, medical insurance, maternity insurance, and "one gold" is also a housing provident fund.

In fact, the three insurances and one housing fund are only one less "maternity insurance" and "work-related injury insurance" than the five insurances and one housing fund. "Three insurances and one housing fund" is a relatively early statement, because the work-related injury insurance was implemented in 04, and the maternity insurance was implemented in 06, and it was not implemented at the beginning, and these two insurances were later. Therefore, in the early years, there were only "three insurances and one housing fund" in China.

Ant Qing. However, there is still a saying of "three insurances", because the individual does not pay for work-related injury insurance and maternity insurance, and all of them are paid by the unit, and the only thing that individuals need to pay is endowment insurance, unemployment insurance and medical insurance. Therefore, there is a difference between the two on this point, which is one of the reasons why people often talk about them separately nowadays.

To sum up, "three insurances and one housing fund" and "five insurances and one housing fund" are actually the same category, they are all China's social wheel credit insurance, but the time of division is different, one is slightly earlier, one is slightly later, so people will have different names. In addition, many people now pay attention to the company's welfare in this regard when looking for a job, and "five insurances and one housing fund" is the most basic guarantee for employees, which is also one of the most basic conditions in job hunting.

Legal basis: According to Articles 38 and 46 of the Labor Contract Law, we can terminate the labor contract with the company and require the company to pay economic compensation on the grounds that "the company has not paid social insurance premiums for the employee in accordance with the law".