Do teachers have five insurances and one housing fund, and teachers have five insurances and one hou

Teachers have five insurances and one housing fund. According to the provisions of China's law, whether it is a public employer or a private enterprise, workers must pay a full amount of "five insurances and one housing fund". Teachers enjoy five insurances and one housing fund, of which "five insurances" refer to endowment insurance, maternity insurance, unemployment insurance, work-related injury insurance and medical insurance; "One gold" refers to the housing provident fund.

Legal basis] 1Article 29 of the Teachers Law stipulates that teachers are entitled to the same medical treatment as local state civil servants; Conduct regular physical examinations for teachers, and arrange for teachers to recuperate according to local conditions. Medical establishments shall facilitate the medical treatment of local teachers.

2.Article 30 of the Teachers Law stipulates that after a teacher retires or retires, he or she shall enjoy the retirement or retirement benefits prescribed by the state. Local people at or above the county level may appropriately increase the pension ratio of retired primary and secondary school teachers who have been engaged in education and teaching for a long time.

1. According to the provisions of China's law, whether it is a public employee or a private enterprise, workers must pay a full amount of "five insurances and one housing fund". Teachers enjoy five insurances and one housing fund, of which "five insurances" refer to endowment insurance, maternity insurance, unemployment insurance, work-related injury insurance and medical insurance; "One gold" refers to the housing provident fund.

2. In terms of "five insurances", 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; 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.

3. In terms of "one housing fund", the proportion of units and individuals is generally between 5% and 12%, and the proportion of provident fund contributions of units and individuals is consistent.

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

5. Housing provident fund refers to the long-term housing savings fund with guarantee, mutual assistance and mandatory payment by state organs, institutions, enterprises, private non-enterprise units, social organizations and their in-service employees on a monthly basis to support employees to solve the problem of self-occupied housing. According to the relevant regulations, the housing provident fund is paid by the in-service employees and their units, and the housing provident fund paid into the personal housing provident fund account of the employee and belongs to the individual employee.

By reading the above content, we find that in our country, civil servants, personnel of public institutions and ordinary employees are all entitled to social insurance. However, as far as CPF is concerned, some enterprises do not participate in the purchase of CPF. Therefore, teachers, as workers of public institutions, are entitled to five insurances and one housing fund in accordance with the law, and you can refer to the standards published by the local social security bureau for the specific proportion and base.

Do teachers have five insurances and one housing fund? If it is a formal teacher, there should be five insurances and one housing fund.

Teachers have five insurances and one housing fund, and it is inevitable that they will encounter various accidents and risks in life, and insurance is undoubtedly the best means to transfer the economic losses caused by risks and their associated problems!

However, in the face of a variety of insurance products, many people do not know how to start, once accidentally buy the wrong insurance, not only there is no protection, but also there will be a lot of economic loss when the policy is surrendered.

How to buy insurance.

The best-selling insurance product in the market.

Here's what insurance is in question.

What kind of insurance is really worth buying?

When buying insurance, you should avoid these 5 misunderstandings.

1. How to buy insurance.

Before buying insurance, you must first understand what insurance is divided into, what are the functions of different types of insurance, and which groups of people are suitable for buying

Through the above, it is not difficult to find that the insurance that can be purchased by different ages is different, but basically it is the four categories of critical illness, accident, medical and life insurance.

Critical illness insurance: Be sure to buy a mild illness insurance, and there must be a high incidence of mild illness in the mild disease, such as carcinoma in situ, atypical myocardial infarction, coronary interventional artery surgery, mild stroke, etc.;

Accident Insurance: The sum insured of comprehensive accident insurance must be high enough! What traffic accidents and expiration returns are floating clouds, and they are directly ignored;

Medical insurance: medical insurance with no medical insurance, 100% reimbursement ratio, special outpatient clinics, radiotherapy, chemotherapy and targeted ** expenses are reimbursed is really excellent!

Life insurance: relatively simple, focus on the exemption clause, the fewer the clause, the better, the cheaper the better;

Financial insurance: There is nothing to say, after the protection is perfected, you can buy it as you want.

2. Best-selling insurance products in the market.

Knowing how to buy insurance, Bao Yujun summarized some popular insurance, including the critical illness, medical, accident, and life insurance mentioned above.

The above **trial calculation conditions are for 30-year-old men when they buy**, and the age is different, **will be different.

It can be seen from ** that insurance is really complicated, take critical illness insurance as an example: the same protection content, the same amount of insurance, more than 10,000 expensive, and more than 5,000 cheap.

Is expensive insurance necessarily good?

It's not necessarily, just take the very challenging, a certain hot-selling product Fu Lai as an example, we said above that an excellent critical illness insurance will definitely include 8 high-incidence mild illnesses in the mild illness protection, because these 8 high-incidence mild illnesses account for more than 80% of the minor illness claims, and the following figure is the coverage of **Fu's high-incidence mild illness:

1. Teachers have five insurances and one housing fund.

1. The regulations on whether teachers have five insurances and one housing fund are that teachers have five insurances and one housing fund. According to the provisions of China's law, whether it is a public employer or a private enterprise, workers must pay a full amount of "five insurances and one housing fund". Teachers enjoy five insurances and one housing fund, of which "five insurances" refer to endowment insurance, maternity insurance, unemployment insurance, work-related injury insurance and medical insurance; "One gold" refers to the housing provident fund.

Stupid. 2. Legal basis: Article 29 of the Teachers Law of the People's Republic of China.

Teachers receive the same medical care as local state civil servants; Conduct regular physical examinations for teachers, and arrange for teachers to recuperate according to local conditions.

Medical establishments shall facilitate the medical treatment of local teachers.

2. Does the contract have five insurances and one housing fund?

It is the legal obligation of both parties when there is an employment relationship between the employer and the employee. If there is a de facto employment relationship between the company and the employee, the following three elements must be met:

1. The employer and the worker meet the subject qualifications stipulated by laws and regulations;

2. The labor rules and regulations formulated by the employer in accordance with the law are applicable to the laborers, and the laborers are subject to the labor management of the employer and engage in paid labor arranged by the employer;

3. The labor provided by the worker is an integral part of the employer's business;

Therefore, even if the two parties sign a contract, the fact that the company and the employee have an employment relationship cannot be circumvented, and the employee can still claim the existence of an employment relationship and require the payment of five insurances and one housing fund.

Yes. Teachers who belong to public institutions are also entitled to five social insurances and one housing fund in accordance with the law, which are paid by the employing unit. Among them, the "five insurances" refer to endowment insurance, maternity insurance, unemployment insurance, work-related injury insurance and medical insurance; "One gold" refers to the housing provident fund.

The functions of five insurances and one housing fund are:

1. Endowment insurance: endowment insurance is for the elderly, and workers can receive retirement pensions when they reach the statutory retirement age.

2. Medical insurance: Medical insurance is used as medical reimbursement for employees' illness.

3. Unemployment insurance: Unemployment insurance is for employees to receive living expenses after they lose their jobs.

4. Maternity insurance: Maternity insurance is the reimbursement and related treatment of employees' childbirth.

5. Work-related injury insurance: Work-related injury insurance is for employees to prepare for injuries at work, pay medical expenses or compensate for work-related injuries.

6. Housing Provident Fund: Housing Provident Fund is a housing reform, enterprises and workers each pay a certain amount of housing, and can be withdrawn if they meet the withdrawal conditions, and they can also enjoy lower housing loan interest when purchasing commercial housing, so as to reduce the economic burden of workers.

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, Qiaoshan 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 the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Legal analysis: Teachers have five insurances and one housing fund. 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 pay into the housing provident fund in accordance with the regulations.

Legal basis: Article 10 of the Social Insurance Law 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 pension insurance for civil servants and staff members managed with reference to the Civil Servants Act shall be prescribed by ***.

Article 23 of the Social Insurance Law Employees shall participate in the basic medical insurance for employees, and the employer and the employee 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 in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 33 of the Social Insurance Law of the People's Republic of China shall provide employees with work-related injury insurance, and the employer shall pay work-related injury insurance premiums, and employees shall not pay work-related injury insurance premiums for the first repentance.