What is the so called three insurances and one housing fund ?

The three insurances and one housing fund refer to endowment insurance, medical insurance, unemployment insurance and housing provident fund.

"Four insurances and one housing fund" is strictly speaking five insurances, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, and one housing fund 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 "four insurances" are statutory, while the "one gold" is not.

I've heard of five insurances and one housing fund, but I haven't heard of it any more.

The three insurances and one housing fund refer to the pension insurance, unemployment insurance, medical insurance, and housing provident fund, also known as the so-called"Four golds".

Pension insurance, medical insurance, unemployment insurance and housing provident fund.

In accordance with national regulations, the three insurances and one housing fund are 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. However, according to the current provisions of the "Social Insurance Law" and the "Regulations on the Administration of Housing Provident Fund", the three insurances and one housing fund have been banned by the five insurances and one housing fund, according to the current laws and regulations, the unit must pay five insurances and one housing fund to the company's employees, that is to say, work-related injury insurance and maternity insurance are mandatory for the state to pay for employees. If a worker in any region finds that his employer has not paid social insurance for his or her in accordance with the law, he or she may report to the local labor and social security supervision department at or above the county level.

In addition, the difference between three insurances and one housing fund and five insurances and one housing fund is mainly manifested in the following aspects: three insurances and one housing fund include endowment insurance, medical insurance, unemployment insurance and housing provident fund. The five insurances and one housing fund not only include the content of three insurances and one housing fund, but also increase maternity insurance and work-related injury insurance.

If there are safety factors in the work environment, it is advisable to purchase an accident insurance for yourself. However, it should be reminded that in the future, employees of construction units in China will have work-related injury insurance, and if you are a construction worker and do not have work-related injury insurance, you can appeal to the local labor bureau. If the employee does not pay maternity insurance, then the employee will not be able to enjoy the maternity allowance, surgery expenses and other benefits normally.

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 ensure citizens' right 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, and so forth.

The three insurances refer to: basic endowment insurance, medical insurance, and unemployment insurance; One gold refers to: 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, paid on a regular basis, deposited into the insurance account or provident fund account opened in the capacity of the individual, and managed by the relevant social functional departments in a unified manner.

Medical insurance: the employer pays 9%-12% per month, and you pay 2% yourself;

Unemployment insurance: The unit pays monthly and pays 1%.

Work-related injury insurance: paid monthly by the employer. You don't have to pay a penny for yourself.

Maternity insurance: the unit pays every month and does not have to pay a penny for itself;

Housing accumulation**: The unit independently determines that 5%-12% is the maximum tax exemption range, and the scope of tax exemption shall not exceed 20%. The proportion of individual deductions is the same.

This is often the case in the above-mentioned areas, and the situation varies for local reasons.

Generally speaking, social pension insurance, medical insurance, unemployment insurance, and housing provident fund all need to be paid by individuals with a certain percentage of the salary base. The unit provides maternity insurance. Individuals do not need to pay.

If you do not have a unit and pay in person at the personal window, you can only pay for pension insurance and medical insurance.

The three insurances are the most basic social insurance, including: endowment insurance, medical insurance, and unemployment insurance. The payment of three insurances is stipulated in the national social security policy, and any employer should insure its employees. As long as you have signed a formal employment contract with your employer, it should insure you.

The three insurances are not paid entirely by your employer, but by you and your employer. According to the wages of employees, 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; Unemployment insurance units bear 2% and individuals 1%.

The "three insurances" refer to three types of insurance, including endowment insurance, liquid medical insurance, and unemployment insurance. "One gold" refers to the housing provident fund. Three insurances and one housing fund are one less "maternity insurance" and "good work-related injury insurance" than five insurances and one housing fund.

1. Endowment insurance: 4% of the salary base paid by individuals, 10% of the salary base paid by enterprises, and individual contributions to the statutory normal retirement age. 2. Medical insurance:

The basic medical insurance individual pays 2% of the salary base, 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; Those who have registered as unemployed and have job search requirements 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.

Article 2 of the Social Insurance Law: 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 the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 5 of the Social Insurance Law: The people at or above the county level shall include social insurance in their national economic and social development plans. The state raises social insurance funds through multiple channels.

The people at or above the county level shall give necessary financial support to the social insurance undertakings. The state supports social insurance through preferential tax policies.

1. Among the three insurances and one housing fund, the "three insurances" refer to endowment insurance, insurance and unemployment insurance, and the "one housing fund" refers to the housing provident fund. Legal basis: Article 10 of the Social Insurance Law of the People's Republic of China stipulates that employees shall participate in the basic endowment insurance of the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

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

In the "three insurances and one housing fund", the "three insurances" refer to endowment insurance, insurance and unemployment insurance, and the "one housing fund" refers to the housing provident fund. According to Article 10 of the Social Insurance Law of the People's Republic of China, 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 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 Workers and workers shall participate in the basic medical insurance for employees, and the employer and the workers 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 and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance fee in accordance with the provisions of the state.

Article 44 Workers and workers shall participate in unemployment insurance, and employers and workers shall jointly pay unemployment insurance premiums in accordance with state regulations. Article 53 Employees shall participate in maternity insurance, and the employer shall pay the maternity insurance premiums in accordance with the provisions of the State, and the employees shall not pay the maternity insurance premiums. "Regulations on the Administration of Housing Provident Fund" Article 15 If a unit hires employees, it shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go to the entrusted bank to handle the establishment or transfer procedures of the employee's housing provident fund account with the review documents of the housing provident fund management center.