What is the use of five insurances and one housing fund, and what is the function of five insurances

Endowment insurance, the enterprise bears 20%, the individual bears 8%, you pay this part into your personal account, endowment insurance is the cumulative calculation of the number of years of payment, before you reach retirement age, the cumulative payment of 15 years can be paid on a monthly basis.

Medical insurance, the unit bears 6%, the individual bears 2%, into your personal account under the age of 35, between the age of 36-42 years old is transferred to the card every month, you can use the card to the designated pharmacy or clinic to see a doctor and buy medicine, if you are sick and hospitalized, medical insurance can also reimburse you for about 80% of the cost above the starting line, which also reduces the burden on your family.

As for unemployment insurance, if you have paid contributions for more than one year by your employer and individual, and you interrupt your work without your own will, you can apply for unemployment insurance, and the monthly standard is about 80% of the local minimum wage, although it is not much, but it is also a guarantee.

Maternity insurance and work-related injury insurance are not required to be paid by individuals, and the unit bears them, and the medical expenses caused by the birth of a baby by female employees are given a fixed amount of maternity insurance**, as well as maternity allowances, and the spouses of male employees are not working. Endowment insurance, the enterprise bears 20%, the individual bears 8%, you pay this part into your personal account, endowment insurance is the cumulative calculation of the number of years of payment, before you reach retirement age, the cumulative payment of 15 years can be paid on a monthly basis.

Medical insurance, the unit bears 6%, the individual bears 2%, into your personal account under the age of 35, between the age of 36-42 years old is transferred to the card every month, you can use the card to the designated pharmacy or clinic to see a doctor and buy medicine, if you are sick and hospitalized, medical insurance can also reimburse you for about 80% of the cost above the starting line, which also reduces the burden on your family.

As for unemployment insurance, if you have paid contributions for more than one year by your employer and individual, and you interrupt your work without your own will, you can apply for unemployment insurance, and the monthly standard is about 80% of the local minimum wage, although it is not much, but it is also a guarantee.

Maternity insurance and work-related injury insurance do not need to be paid by individuals, the unit bears, the medical expenses caused by the birth of a baby by female employees, maternity insurance** gives a fixed subsidy, and there is a maternity allowance, and the spouse of a male employee does not have a work unit, can enjoy 50% of the standard to subsidize medical expenses.

Work-related injury insurance also covers traffic accidents, occupational diseases, etc. on the way to and from work. Every year, the base will be raised, and more and more insurance money will be paid.

The longer the pension is paid, the more pension you will receive in the future.

There is no guarantee that you will be able to work until retirement, some things are unpredictable, and there is medical insurance, no one can guarantee that you will not get sick, and now the cost of hospitalization is so high, it is quite a burden for the average working class. Whether it is for the insured themselves, the insured family, or the insured enterprise, these types of insurance are a guarantee that all the provident fund payment fees are into the personal account, there is no social co-ordination, after a certain period of payment, you can apply for withdrawal of provident fund to repay the loan, and the application for a provident fund loan can enjoy a more affordable interest rate than a commercial loan.

Five insurances and one housing fund: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, housing provident fund, which belongs to the company's benefits to you, you can enjoy the pension after retirement, medical insurance can reimburse medical expenses, unemployment insurance can receive unemployment after unemployment, if you are injured at work, you can receive work-related injury insurance, you can apply for a loan from the housing provident fund when you need to buy a house, if you have not taken it, you can get a large amount of money back when you retire.

"Five insurances and one housing fund" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and life.

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. What to note here is the "five.

"Insurance" is statutory, while "one gold" is not.

What is the contribution ratio of "five insurances and one housing fund"?

At present, the proportion of pension insurance contributions in Beijing: 20 units (of which 17 are allocated to the overall planning**, 3 are allocated to personal accounts, and 8 are allocated to individual accounts (all are allocated to personal accounts); Medical insurance payment ratio: 10 for units, 2 + 3 yuan for individuals;

Unemployment Insurance Contribution Ratio: Unit, Individual; Work-related injury insurance is divided according to the scope of the industry in which the employer is divided.

to determine its work-related injury rate; Maternity insurance contribution ratio: units, individuals do not pay.

For retirement and medical insurance

Pension insurance, unemployment insurance, work-related injury insurance, maternity insurance, medical insurance, medical insurance, housing provident fund.

The balancing role of five insurances and one housing fund: the first to ensure that citizens receive help in the case of old age, illness, work-related injury, unemployment, childbirth, etc.; reducing the pressure on society caused by the ageing population; Helping workers buy houses; Other. Five insurances and one housing fund refer to unemployment insurance, work-related injury insurance, maternity insurance, endowment insurance, medical insurance and housing provident fund.

[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 state medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance; Citizens are guaranteed the 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, etc.

Legal Analysis: The Role of Five Insurances and One Housing Fund:

1. Pension insurance is for the elderly, and workers can receive a pension when they reach the statutory retirement age.

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

3. Unemployment insurance is for employees to receive living expenses after they become unemployed.

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

5. Work-related injury insurance is the payment of medical expenses or compensation for work-related injuries caused by employees.

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

Article 1: This Law is formulated on the basis of the Constitution so as to regulate social insurance relations, to preserve the lawful rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, to enable citizens to share the fruits of development, and to promote social harmony and stability.

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.

I believe everyone is familiar with the term five insurances and one housing fund, what is five insurances and one housing fund? Five social insurances and one housing fund are the social security system provided by China for citizens, and it is also a social security system. Through five insurances and one housing fund, the state can temporarily provide security for workers who have lost their jobs, and can also provide medical security and old-age security for workers, which is a redistribution system.

1. What is five insurances and one housing fund?

Five social insurances and one housing fund are the social security system provided by China for citizens, and it is also a social security system. Through five insurances and one housing fund, the state can temporarily provide security for workers who have lost their jobs, and can also provide medical security and old-age security for workers, which is a redistribution system. Five insurances and one housing fund include:

Endowment Insurance, Medical Insurance, Unemployment Insurance, Work-related Injury Insurance, Maternity Insurance and Housing Provident Fund.

The usefulness of two socks, five insurances and one housing fund

For us personally, five insurances and one housing fund can meet the different needs of our daily life, and medical insurance can cover part of the medical expenses. Pension insurance provides old-age security, unemployment insurance provides unemployment benefits to support life, maternity insurance can reimburse medical expenses related to maternity, and work-related injury insurance can provide protection against accidents at work.

The role of five insurances and one housing fund is very large, which can help the insured to relieve economic pressure, and in case of accidents or economic losses, these losses can be made up through five insurances and one housing fund. In addition, there are many areas where non-local residents also have five insurances and one housing fund for non-local residents to buy houses locally and join local household registration. For example, in September, the restriction policy on buying houses in Shenzhen was introduced, and non-Shenzhen residents need to pay five insurances and one housing fund for five consecutive years to buy, and there is no interruption in between.

That's what we know about it. Hope this article of mine can be helpful to you. If you want to know more about these aspects, you can also search for them online.

The meaning and function of five insurances and one housing fund are as follows:

The five types of insurance include endowment insurance, medical insurance, maternity insurance, work-related injury insurance and unemployment insurance. One gold fund refers to the housing provident fund.

Function: Pension insurance: After retirement, you can get a pension to provide an old-age life guarantee for the insured.

Medical insurance: reimbursement of daily medical expenses, card payment for medical treatment and medicine. Maternity Insurance:

Maternity insurance can reimburse childbirth-related expenses, and maternity allowance can be paid as compensation for female employees during maternity leave. Work-related injury insurance: If the insured person suffers an accidental injury during work, he or she can be compensated through work-related injury insurance.

Unemployment insurance: After losing employment, workers can apply for a lump sum of unemployment insurance money for living security during the period of unemployment. Provident Fund:

The provident fund can be used to buy houses and build houses; CPF can also be withdrawn if necessary.

Five social insurance and one housing fund is a national policy of the national social security system. These include medical care, pension, maternity, industrial and commercial unemployment. The other is the provident fund.

These are the guarantees that society has for the individual. Some of these policies don't see how useful they are for a short time. It's like pension insurance, but you can get this money on a monthly basis after you retire.

Like medical treatment, you can use it to see a doctor. To buy medicine, you just need to use your social security card to swipe it. Unemployment means that if you are unemployed on any day, you can also go to receive the corresponding subsidy.

In general, the money is paid by myself and the company. The ultimate beneficiary is themselves. You can use the provident fund to take out a loan to buy a house.

If you pay more CPF per month. You can use it to pay off your mortgage every month. It's not very cost-effective.

Also, some provinces have a policy that you work in a city in the province. The company will help you pay the provident fund. But when you go back to your hometown in a few years, you can also get the money out.

Let's say you pay 200 a month. The company also helps you pay 200. That's four hundred a month.

That's 4,800 a year. That's nearly 10,000 in two years. It's all your own.

When you work longer hours, your salary increases. There will be a lot of payment. Speaking of which, the money is all your own.

Got it? Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, it is a pleasure to communicate with you. One of the five insurances and one housing fund is the housing provident fund. Housing Provident Fund:

It refers to the long-term housing savings fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, public institutions, private non-enterprise units, social organizations and their employees. The purpose of the housing provident fund is as follows: 1. The purpose of the housing provident fund:

Housing Provident Fund: It 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 laborers. 2. It is used to repay the mortgage, and it is said that the employer is to protect the housing of employees, so of course, the most natural use is to repay the mortgage, and the repayment of the mortgage after buying a house is this money plays a great role, which can reduce a lot of loan repayment pressure.

3. If you want to renovate your house, you can extract it for renovation and decoration of the house after showing the relevant certificates. 4. It is used to pay rent, and there is no money to buy a house, so the housing provident fund is used to solve all housing problems, and paying rent is also used on the right way. 5. For investment, if the house problem can be solved by itself, then this money can make it money, after all, the interest deposited in the personal account is very small, it is better to let it get greater benefits.