How much does the company bear for each of the five types of insurance?

China's current social insurance includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, plus housing provident fund, which is called "five insurances and one housing fund". The company must buy all the five insurances for employees, and the endowment insurance, medical insurance and unemployment insurance in the five insurances are jointly paid by enterprises and individuals, and the work-related injury insurance and maternity insurance are fully borne by the enterprise. Individuals do not need to pay premiums.

Since social insurance is compulsory and policy-based, the five insurances are determined in accordance with the law.

The payment fee for the five insurances will vary due to local differences, and the premium sharing is explained as follows:

1. Endowment insurance: 20% of the unit (17% is allocated to the overall planning**, 3% is allocated to the personal account), and 8% is borne by the individual (all is allocated to the personal account);

2. Medical insurance: different places (for example, Beijing: 10% for units, 2% + 2 for individuals;Chongqing: 9% for units, 2% + 2 for individuals);

3. Unemployment insurance: different places (e.g., Beijing: unit bears, individual; Chongqing: 2% for units and 1% for individuals);

4. Work-related injury insurance: borne by the unit, the proportion is divided into three grades, which is determined according to the business scope of the enterprise and the nature of the industry. services, manufacturing 1%; Mining and smelting 2%.

5. Maternity insurance: borne by the unit, (Beijing ratio; Chongqing's ratio is.

"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;

Five insurances and one housing fund are:

Pension insurance: the employer pays 21% of your basic salary every month, and you pay 8% of your basic salary;

Medical insurance: The unit pays 9% for you every month, and you pay 2% plus 3 10 yuan for serious illness co-ordination (major illness co-ordination is mainly in charge of hospitalization);

Unemployment insurance: the employer pays 2% for you every month, and you pay 1% yourself;

Work-related injury insurance: the employer pays for you every month, and you don't have to pay a penny yourself; Work-related injury insurance determines its work-related injury rate according to the scope of the industry in which the unit is divided, between;

Maternity insurance: The unit pays for you every month, and you don't have to pay a penny yourself;

Housing Provident Fund: The unit pays 8% for you every month, and you pay 8% yourself (the situation varies from place to place, according to the actual situation of the enterprise, choose the proportion of housing provident fund payment.) However, in principle, the maximum contribution shall not exceed 10% of the average salary of the employee).

The 5 insurances of social security are now mandatory, the unit must buy, and the employees are only paid for the cost of the 3 insurances for old-age medical care and unemployment, and the individual contribution ratio is 8%, 2% and 1% of the base respectivelyWork-related injuries and maternity are paid by the unit and are only enjoyed by individuals.

There are five types of insurance and one housing fund, namely: pension, work-related injury, medical care, maternity, unemployment and provident fund.

It must be paid together with all five insurances.

Article 4 Employers and individuals within the territory of the People's Republic of China shall pay social insurance premiums in accordance with law

There is no minimum, it is all mandatory by law. There are five types, namely pension, work-related injury, medical care, maternity and unemployment. The law requires that it must be on, and it may be that some social security has not been checked.

What is required is three insurances: endowment, medical care, unemployment, and the other two insurances (maternity, work-related injury) are not mandatory.

The law stipulates that employers must pay social insurance to their employees, including endowment insurance, medical insurance, work-related injury insurance, maternity insurance, and unemployment insurance. The provident fund is of a welfare nature, and the amount of mandatory is weak. However, if the employee reports it with the labor contract, the employer will be punished.

The above is commonly known as "five insurances and one housing fund". In fact, there are also units that only pay endowment insurance and medical insurance, which is not standardized. The cost of work-related injury insurance, maternity insurance and unemployment insurance is very low in comparison, and if it is not paid, the employer needs to fully bear the same responsibility and punishment for insurance matters.

According to the latest labor contract law and social security law, you must buy both.

The five insurances are endowment insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance in social insurance.

In terms of "five insurances", the proportion of units and individuals is generally as follows: 20% for endowment 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.

In terms of content, social insurance refers to a security system that takes workers as the object of protection in the form of national legislation, and takes special events such as old age, illness, disability, unemployment, and death of workers as the content of protection, and is characterized by compulsory implementation.

The five insurances and one housing fund are social guarantees formulated by the state for workers who have signed labor contracts. Employers and employees are required to pay five social insurances and one housing fund every month, and a part of them will be remitted to the overall account after the five insurances and one housing fund are paid. Part of it is remitted to the employee's personal account.

The five insurances refer to endowment insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance in social insurance. Among them, endowment insurance, medical insurance and unemployment insurance are jointly paid by the employer and the employees, while work-related injury insurance and maternity insurance are paid by the employer, and individuals do not need to pay.

Five insurances and one housing fund, including endowment insurance, maternity insurance, unemployment insurance, medical insurance, work-related injury insurance and housing provident fund.

Generally speaking, the five insurances are forced by the state to pay for their employees, and as for the one gold, there is no mandatory requirement, and the regulations in each region are inconsistent. At the same time, there are also many friends who think that with social security, there is no need to buy commercial insurance, is this really the case? Just look at the daddy article.

If I have social security, do I still need to buy commercial insurance? 》

There are many friends who don't know which five insurances of social security refer to, and Daddy will tell you about it today. Regarding the new regulations of social security in 2021, you can take a look at this article on Daddy. What are the new social security regulations in 2021?

What adjustments have been made? 》

Five insurances, including endowment insurance, maternity insurance, unemployment insurance, medical insurance, and work-related injury insurance.

What do they do?

(1) The role of endowment insurance

It is the pension that we can get after we retire.

However, we all know that the longer you pay, the more you pay, and the more pension you can receive after retirement.

(2) The role of maternity insurance

To put it simply, maternity insurance means that women can reimburse the medical expenses incurred due to childbirth when they give birth, and they can also receive maternity allowance during maternity leave.

(3) The role of medical insurance

Medical insurance is a guarantee to compensate workers for financial losses caused by the risk of illness.

(4) The role of work-related injury insurance

At work, personal economic or physical injuries caused by injury, illness, death, etc., due to work-related reasons, can be reimbursed through work-related injury insurance.

(5) The role of unemployment insurance

"Five insurances"It refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. 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 is important to note here:"Five insurances"is statutory.

1. Endowment insurance.

Social endowment insurance, the full name of social endowment insurance, that is, composed of the basic pension and personal account pension paid by the society, is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers after reaching the working age limit of the state to terminate labor obligations, or losing the ability to work due to old age.

2. Medical insurance.

Medical insurance is a type of insurance that compensates for the medical expenses incurred by illness. Social insurance is a social insurance in which an employee is provided with necessary medical services or material assistance by the society or enterprise when he or she is sick, injured or gives birth.

3. Unemployment insurance.

Unemployment insurance refers to the system enforced by the state through legislation, established by the society in a centralized manner, and provided material assistance to workers whose lives are temporarily interrupted due to unemployment. It is an important part of the social security system and one of the main items of social insurance.

4. Work-related injury insurance.

Work-related injury insurance 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.

5. Maternity insurance.

Maternity insurance is a social insurance system in which the state and society provide timely living security and material assistance to working women when they temporarily suspend their work due to the birth of a child.

Sixth, the proportion of the five insurances:

1. Pension insurance payment ratio: 20% for units (all included in the overall planning**), 8% for individuals (all allocated to personal accounts).

2. Medical insurance payment ratio: 8% for units, 2% + 3 yuan for individuals;

3. Unemployment insurance contribution ratio: 2% for units and 1% for individuals;

4. Work-related injury insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny yourself;

5. Maternity insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny;

Five insurances and one housing fund refer to the collective name of several types of protective benefits given by employers to employees, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund. "Individual employees shall contribute to the housing provident fund in accordance with the regulations. "Housing provident fund is a "payable" item, which should be legally mandatory, and at the same time the payment also shows that it is an obligation.

On March 23, 2016, the "13th Five-Year Plan" proposed to combine maternity insurance and basic medical insurance. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one housing fund" may become "four insurances and one housing fund", medical insurance will be merged with maternity insurance, and some large enterprises will purchase benefits for employees, such as personal accident insurance and critical illness insurance.

Before the end of June 2017, some pilot areas will merge maternity insurance and basic medical insurance for employees, and the cost of prenatal examination will be reimbursed together with ordinary medical expenses, and the pilot period will be about one year. The first batch of pilot areas includes 12 cities, including Handan in Hebei, Jinzhong in Shanxi, Shenyang in Liaoning, Zhengzhou in Henan, and Yueyang in Hunan. After the merger of the two insurances, the future will be four insurances and one housing fund.

Those who are covered by health insurance can enjoy the benefits of maternity insurance.

The five insurances in the five insurances and one housing fund are what we call social security, and the first housing fund is the housing provident fund. Regarding the use of social security, you can read Dad's article "The latest analysis of social security, what is the purpose?" 》

1. Endowment insurance: the proportion of company payment is 20%, and the proportion of individual payment is 8%;

2. Maternity insurance: the proportion of the company's contribution is, and individuals do not need to pay;

3. In terms of work-related injury insurance: the proportion of the company's contribution is that individuals do not need to pay;

4. Medical insurance: depending on the specific situation of each region, from the national average level, the proportion of company payment is 2%, and the proportion of individual payment is 2%;

5. Unemployment insurance: the proportion of company payment is that of individuals and the proportion of individual contributions;

6. Provident fund: units and individuals shall bear a maximum of 12% of the provident fund.

1. Endowment insurance: 20% for units and 8% for individuals.

2. Maternity insurance: paid by the unit, not paid by the individual.

3. Work-related injury insurance: paid by the unit, not paid by the individual.

4. Medical insurance: different regions, the national average of employer payment rate is 2%, and the national average of individual payment is 2%.

5. Unemployment insurance: paid by the unit and paid by the individual.

6. Provident fund: units and individuals shall bear a maximum of 12% of the provident fund.

In 2018, the ratio of five insurances and one housing fund company to individual is as follows:

In terms of endowment insurance: the proportion of corporate contributions is 20%, and the proportion of individual contributions is 8%;

In terms of maternity insurance: the proportion of the company's contribution is, and individuals do not need to pay;

In terms of work-related injury insurance: the proportion of the company's contribution is that individuals do not need to pay;

In terms of medical insurance: it depends on the specific situation of each region, from the national average, the proportion of company payment is 2%, and the proportion of individual payment is 2%;

In terms of unemployment insurance: the proportion of company contribution is, and the proportion of individual contribution is;

In terms of provident fund: the company and the individual bear the provident fund with a maximum of 12% of the monthly hard income respectively, and the specific contribution ratio of the company and the individual is mostly 1:1.

Generally speaking, after joining the work, the employer will be responsible for helping the employee pay five insurances and one housing fund, and the share ratio is basically the majority of the employer's contribution and the individual's small part.

There are restrictions on the scope of social insurance, and commercial insurance is an important supplement to social insurance. But some people may have doubts, thinking that there may not be so many risks in life, and there is no need to buy commercial insurance. This is wrong, please see this article "With social security, why do you need to buy commercial insurance?" 》