When employees work in an enterprise, do they have to call four insurances?

Not necessarily, it depends on the company's regulations.

Enterprises should give employees five insurances, not four insurances. The so-called "five insurances and one housing fund" approve five types of insurance, including endowment insurance, medical insurance, unemployment insurance, employment 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. Article 73 of Chapter 9 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:

1. Retirement; 2. Sick or injured; 3. Disability or illness due to work-related injury. The amount of payment for five insurances and one housing fund is different in each region, and the base is based on the total salary. Some enterprises have a basic salary and some related subsidies when they pay it, but some enterprises only have a basic salary when they pay it, which is in violation of the law.

The exact percentage should be consulted with the local labor department.

Legal Analysis: No. The company must pay five insurances to its employees.

Legal basis: "Law of the People's Republic of China on Social Insurance and Filial Piety".

Article 10 Employees 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 can 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. Self-employed businesses without employees, part-time employees who have not participated in the basic medical insurance for employees at the employer, and other flexibly employed persons can participate in the work.

Legal analysis: The four insurances refer to the four types of insurance in social insurance: endowment insurance, medical insurance, work-related injury insurance and unemployment insurance. The Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued a notice to once again clarify that maternity insurance and basic medical insurance will be implemented together. "Five insurances and one housing fund" became "four insurances and one housing fund".

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

Article 57 An employer shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration on the basis of its business license, registration certificate or unit seal. The social insurance agency shall, within 15 days from the date of receipt of the application, examine and issue a social insurance registration certificate. If there is a change in the social insurance registration items of the employer or the termination of the social insurance registration by the employer in accordance with the law, it shall, within 30 days from the date of the change or termination, go to the social insurance agency to handle the modification or cancellation of the social insurance registration.

The departments for market regulation, civil affairs, and the establishment and management organs shall promptly notify the social insurance agency of the establishment and termination of the employer, and the public security organ shall notify the social insurance agency of the individual's birth, death, household registration, relocation, and cancellation at the time of delivery.

Article 58 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. Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Legal analysis: The four insurances purchased by the company are endowment insurance, medical insurance, work-related injury insurance and unemployment insurance in social insurance.

Legal basis: The Labor Law of the People's Republic of China is enviable.

Article 72 Employers and workers must participate in social insurance and pay social insurance premiums in accordance with law.

Article 50 The employer shall, upon dissolution or termination of the labor contract, issue a certificate of dissolution or termination of the labor contract, and complete the formalities for the transfer of the employee's file and social insurance relationship within 15 days.

Legal analysis: endowment insurance, medical insurance, work-related injury insurance and unemployment insurance. 1. Pension insurance employers and former Wangpai workers must pay pension insurance premiums in accordance with the law, and after the workers reach the retirement age stipulated by the state or quit their jobs for other reasons, the social insurance agency will pay pensions and other benefits to them in accordance with the law, so as to ensure their basic livelihood.

2. The establishment and implementation of the basic medical insurance system of medical insurance has gathered the economic strength of the unit and the members of the society, coupled with the funding of the first class, which can enable the sick members of the society to get the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness". 3. Work-related injury insuranceWork-related injury insurance compensation includes not only medical treatment, but also basic living expenses. 4. Unemployment insurance.

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 3: The social insurance system adheres to the principles of wide coverage, basic protection, multi-level, and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.