Is it really that important to have five insurances and one housing fund? Why do many people prefer

The five insurances and one housing fund include endowment insurance, medical insurance, maternity insurance, unemployment insurance, work-related injury insurance and housing provident fund.

1. Endowment insurance. The part of the individual payment goes into the personal account, and the part of the enterprise payment goes into the overall account. After paying for a total of 15 years, you can receive a pension after retirement, which can basically meet the needs of daily life and no longer have to run for life.

2. Medical insurance. The personal payment part goes into the personal account, the enterprise payment part goes into the personal account, and most of it enters the overall account, and the employees can use the money in the personal account to see a doctor and buy medicine, and the balance of the personal account can be withdrawn in some places, such as Beijing, and most of the amount can be reimbursed for going to the hospital to see a doctor.

If you work in a first- or second-tier city and don't have medical insurance, a small cold will cost a lot of money. I work in a first-tier city, and basically every time I go to a tertiary hospital for a minor illness, the cost is basically thousands of yuan, and if there is no medical insurance, it can be said that it is a large amount of consumption.

3. Maternity insurance. Individuals do not need to pay, all enterprises pay, this is more useful for female employees, if you have a child, you can receive a maternity allowance.

4. Unemployment insurance. Individuals and businesses each contribute a portion and receive unemployment benefits if they are unemployed.

5. Work-related injury insurance. All paid by the enterprise, if the work injury or other circumstances are recognized as work-related injuries, you can receive work-related injury insurance benefits from the work-related injury insurance**.

Everyone knows that in the long run, it is obviously better to pay five insurances and one housing fund than not to pay, but without the suffering of others, do not persuade others to be kind. The reason why employees are reluctant to pay five insurances and one housing fund at this stage is mainly in order to be able to get more cash, sometimes employees will discuss with the enterprise, and the part of the five insurances and one housing fund paid by the enterprise to the employees will be discounted to the employees, so that the employees will get more money every month.

Employees know that it is better to pay five insurances and one housing fund, but at this stage the pressure is too great, there are too many places that need money, and now they are still relatively young, and the five insurances and one housing fund are of little use.

Summary:From the perspective of an ordinary person, it is definitely better to pay five insurances and one housing fund than not to pay, but some people are unwilling to pay five insurances and one housing fund, on the one hand, they are relatively young, their health is better, and the five insurances and one housing fund are of little use, on the other hand, the deeper reason is the lack of money, the financial pressure is relatively large, and they need to do a lot of more urgent things, so they can only choose to temporarily give up the five insurances and one housing fund!

Of course, it is necessary to pay five insurances and one housing fund, which is a very good guarantee for retirement in the future. Because the salary is not high in places where there are five insurances and one housing fund, and if you get it, it will be even less if you remove five insurances and one housing fund, so some people would rather earn a little more as an hourly worker than pay five insurances and one housing fund.

It is necessary to pay five insurances and one housing fund, and when you are old, you will find the role of five insurances and one housing fund, because the salary of hourly workers is higher.

Legal analysis: The Ministry of Labor and Social Security has clearly stipulated that hourly employees are part-time employees, and they are all employees of the company just like the company's regular employees, but the payment of insurance refers to different conditions. The pension insurance and medical insurance for hourly employees can be paid by the individual employee, but the work-related injury insurance must be paid by the company.

Legal basis: Social Insurance Law of the People's Republic of China 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, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons who are willing to participate in social insurance shall apply to the social insurance agency for social insurance registration.

According to the principle of social insurance for workers in China, regardless of whether it is a full-time or part-time employee, the employer must purchase social insurance for the employee, especially work-related injury insurance and maternity insurance, otherwise the employer will bear the corresponding responsibility for the need for social insurance reimbursement.

1. Workers engaged in part-time work shall participate in the basic endowment insurance, which shall be implemented in principle with reference to the insurance measures of individual industrial and commercial households. For those who have participated in the basic endowment insurance and established a personal account, the payment period before and after is calculated together, and the transfer across the overall planning area shall be handled for the transfer and continuation of the basic endowment insurance relationship and personal account. When the conditions for retirement are met, the basic pension shall be calculated and paid in accordance with the provisions of the state.

2. Workers engaged in part-time work can participate in basic medical insurance in their individual capacity, and enjoy the basic medical insurance treatment in accordance with the principle of linking the level of treatment with the level of payment. Specific measures for participating in basic medical insurance shall be studied and formulated by local labor and social security departments.

3. The employer shall, in accordance with the relevant provisions of the state, pay work-related injury insurance premiums for part-time workers who have established labor relations. Workers who are suspected of being engaged in part-time work are injured at work, and are entitled to work-related injury insurance benefits in accordance with the law; If the employee is assessed to have a disability of grade 5-10, the employee and the employer may settle the disability benefits and related expenses in a lump sum upon consultation between the employee and the employer.

Hello, dear, I'm glad to answer for you: it's necessary. In the long run, there are five insurances and one housing fund, and a salary of 3,000 is more cost-effective.

Compared with a job with a salary of 5,000 and no five insurances and one housing fund, a job with five insurances and one housing fund and a salary of 3,000 is more valuable. From the perspective of the company's employment cost, the cost of employees with a salary of 3,000 and five insurances and one housing fund is higher. Because the cost of five insurances and one housing fund is borne by the company and the employee, the company bears most of the costs.

The Social Insurance Law stipulates that an employer shall declare and pay social insurance to the social insurance reporting agency for the employee within 30 days from the date of employment.

There are five insurances and one housing fund.

Very important. The five insurances are equivalent to an insurance, one is the housing provident fund, and the other is that you can use the provident fund to buy a house at an interest rate lower than that of commercial bank loans.

1. "Five insurances" refer 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 and housing provident fund are the premiums paid by enterprises and individuals, and work-related injury insurance and maternity insurance are completely borne by enterprises and do not need to be paid by individuals.

2. Pension insurance, monthly pension salary after retirement;

3. Medical insurance, if you are sick and hospitalized, you can be reimbursed according to a certain percentage;

4. Maternity insurance, generally for women, the birth unit will be reimbursed, of course, men can enjoy this benefit is in their spouse has not paid maternity money.

Under the premise that there is half the proportion;

5. Unemployment insurance, a few hundred yuan per month before leaving the company without a salary;

6. Work-related injury insurance means that if you have an accident during work, there is medical reimbursement and subsidy for work-related injury.

Five insurances and one housing fund are very important, it represents the entire social security during our life and work. In the event of an accident, we can share the risk through five insurances and one housing fund. Let's start by looking at pension insurance.

It represents the savings we have for old age when we are young. When we are old, we can receive a monthly pension, and the amount of the pension is determined according to the amount of modern savings, as well as the development of the average social wage after retirement.

If we don't pay pension insurance, we can't avoid inflation and other social risks by simply saving on our own.

If you rely on raising children to prevent old age, there are fewer and fewer children, are you willing to increase the burden on your children? Therefore, social endowment insurance can exclude all factors and give the elderly a stable income. Medical insurance mainly deals with our life sickness.

It doesn't matter if you have a cold or fever, it mainly refers to hospitalization and outpatient treatment for serious illnesses. Anyone who has lived through previous times knows what it means to be poor due to illness, to return to poverty due to illness, and to be poor for three years. At present, after our medical insurance reimbursement, this rarely happens again.

Work-related injury benefits are even more important. Because of work injuries, it is good that the unit can exist forever, but if it cannot exist forever, the treatment cannot be guaranteed. And it also avoids prevarication with the unit, which is very good.

In addition, our work-related injury insurance has a provision called the advance payment of work-related injury insurance.

In the event of a work-related injury, it must be recognized first. After the identification, if the unit does not pay the work-related injury insurance, it can apply to the work-related injury ** for payment in advance, and then have social security ** and then argue with the unit, so as to avoid the situation that the employee cannot receive effective treatment. Our maternity insurance and unemployment insurance are designed to take care of us during the special times we may encounter in our lives.

Maternity insurance only refers to the stage when women give birth to children, and can reimburse medical expenses and pay maternity allowances. Everyone should note that if the maternity allowance is lower than their own salary, the unit must make up the difference.

Unemployment insurance means that you can receive unemployment benefits during the period of unemployment, and the state will also pay medical insurance. It is very likely that pension insurance will be paid in the future. You can get three months of unemployment insurance for that year, so it's also very good.

It's very important, I don't think when I'm young, once I grow up, suddenly a serious illness will hollow you out, at this time the role of five insurances and one housing fund will appear, for example, hospitalization cost 100,000, if there is social security, you only need to pay 30,000 yuan, greatly reducing the personal burden.

Yes, it is very important, both work-related injury insurance and medical insurance are important