What are the five insurances, and how many insurances can an individual pay

The five insurances are social insurance.

in endowment insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance.

Individuals can only pay for secondary insurance, pension insurance and medical insurance.

1. Endowment insurance.

Social pension insurance.

The full name is social pension insurance.

That is, the basic pension and personal account pension paid by the social co-ordination are an important part of the social security system, one of the most important types of social insurance, and it 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. Work-related injury insurance.

Work-related injury insurance refers to the accidental injury or occupational disease suffered by the worker at work or under specified special circumstances.

A person who receives material assistance from the State and society in the event of temporary or permanent incapacity for work and death.

social insurance system.

3. 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 children.

There are two main ones: one is the maternity allowance.

The second is maternity medical treatment. Maternity insurance.

The treatment is not restricted by household registration, and if the person participating in the maternity insurance gives birth in a different place, the relevant treatment shall be implemented in accordance with the policy standards of the place where the insurance is held.

4. Medical insurance.

Medical insurance refers to the basic medical insurance premiums that should be paid in full and on time by employers and employees in accordance with the principle of compulsory social insurance through national legislation. If you do not pay in full and on time, regardless of your personal account, the basic medical insurance co-ordination will not pay your medical expenses. Take the proportion of medical insurance contributions in Beijing as an example:

The employer shall pay 10% of the total payment base every month, and the employee shall pay 2% of his salary + 3 yuan for serious illness.

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. For example, China's publicly-funded medical care and labor insurance medical care.

The medical expenses of Chinese employees are jointly borne by the state, units and individuals, so as to reduce the burden on enterprises and avoid waste. In the event of an insurance liability event, it is necessary to pay the insurance premium on a pro-rata basis.

5. Unemployment insurance.

Unemployment insurance refers to the social insurance program that subsidizes part of the economic income lost due to unemployment within the prescribed time when the economic income of workers who participate in social insurance in accordance with the law is affected by unemployment, so as to ensure their basic livelihood. Those who have paid unemployment insurance contributions for one year but less than five years can receive unemployment insurance benefits for up to 12 months.

If the cumulative payment period is 5 years but less than 10 years, the period for receiving unemployment insurance money is 18 months; If the cumulative payment period is more than 10 years, the period for receiving unemployment insurance money is 24 months.

Hello, the five insurances include work-related injury insurance, maternity insurance, medical insurance, unemployment insurance and endowment insurance.

Individuals can only pay two insurances, namely endowment insurance and medical insurance.

There are two options for paying medical insurance and pension insurance:

1.Pay employee medical insurance and employee pension.

2.Pay residents' medical insurance and residents' pension.

If the economy is well-off, you can choose to pay employee medical insurance and employee pension as a flexible employee, and the cost will be borne by yourself. In this way, the pension and medical treatment enjoyed are the same as those of office workers with units. However, it is a lot of pressure to pay thousands of dollars a month.

If you are short of money, you can also choose the second way to pay resident medical insurance and resident pension. There is a state subsidy in this way, and the fee is paid according to the lowest level, and the cost is about 1,000 per year. The disadvantage is that the pension after the retirement of residents is not as high as the pension of employees, and the proportion of medical reimbursement is not as high as that of employee medical insurance, and the security is relatively basic.

"Five insurances" 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 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.

The five insurances are the five types of insurance, namely endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

If the employer signs a labor contract with you, according to the labor law, it has to help you buy five insurances, but in some places, it is necessary to buy three insurances, namely pension insurance, medical insurance, and unemployment insurance.

Individuals can pay endowment insurance and medical insurance. Maternity insurance and work-related injury insurance are not affordable for individuals

About five insurances and one housing fund.

"Five insurances" refers 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 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 "five insurances" are statutory, while the "one gold" is not.

You can pay it, but you still pay it according to your own needs, and some risks are unnecessary.

Endowment, medical, unemployment, maternity and work-related injury insurance, individuals can buy endowment, medical and unemployment insurance in social security, and some areas can also take maternity insurance.

Pension, medical care, unemployment, maternity, work-related injury insurance. Individuals can pay endowment insurance and medical insurance.

Five social insurances and one housing fund refer to the collective name of several types of guaranteed benefits given by employers to employees, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

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. The payment of social insurance is a mandatory requirement of the state, and the provident fund is determined according to the efficiency of the enterprise.

The role of five insurances and one housing fund:

1. Pension insurance is for the elderly, and workers can receive retirement 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 employee's maternity as maternity reimbursement and related treatment;

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

6. Housing provident fund is a housing reform, enterprises and workers each pay a certain amount of housing, meet the conditions for withdrawal can be withdrawn, can also enjoy lower housing loan interest when buying commercial housing, reduce the economic burden of laborers.

The amount of payment for five insurances and one housing fund is different in each region, and the high base is based on the total salary.

Taking Beijing as an example, according to the regulations, the minimum social security payment base in 2022 is 5,869 yuan, and the maximum payment base is 28,221 yuan. The salary base of each employee is reported by the unit and should be confirmed according to the salary base.

According to the regulations, social security units and individuals shall bear 0% maternity insurance, 0% work-related injury insurance, and unemployment insurance, 0 yuan and 3 yuan serious illness insurance, 9% and 2% medical insurance, and 16% and 8% pension insurance. If the insurance is based on the minimum payment base, the social security unit and the individual must bear the rotten burden and yuan respectively.

The types of insurance paid by individuals in the five insurances are as follows:

1. Endowment insurance: the employer's contribution ratio is 16%; The individual contribution rate is 8%;

2. Unemployment insurance: the employer's contribution ratio is the individual's contribution ratio;

3. Medical insurance: the employer's contribution ratio is; The individual contribution rate is 2%;

4. Maternity insurance: The employer's contribution ratio is that the individual does not pay.

The method of enterprise social security payment is as follows:

1. For enterprise social security participation, the relevant person in charge of social security of the employer shall sort out the information of the company's insured personnel, and submit it to the local social security agency together with other materials required for the insurance procedures, and handle the social security registration; If there are additions or deletions of personnel after that, it is sufficient to directly submit the insurance information of the relevant personnel and then submit it;

Legal basisArticle 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 State Council shall stipulate the pension insurance for civil servants and staff members managed in accordance with the Civil Servants Act.

Legal analysis: Among them, endowment insurance, Yuanzhi 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"It is statutory, while "one gold" is not.

Legal basis: Hail Xianmin, "Social Insurance Law of the People's Republic of China" 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 the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

The five insurances refer to five types of social insurance, including: endowment insurance, medical insurance, unemployment insurance, orange loss work-related injury insurance, and maternity insurance.

Among them, endowment insurance, medical insurance, and unemployment insurance are jointly borne by the company and employees, while work-related injury insurance and maternity insurance are fully borne by the company. Employees need to bear 8% of the endowment insurance, 2% of the medical insurance and unemployment insurance, if the salary is 4000 yuan, then you have to pay 4000 * yuan of five insurance fees, of course, each place which destroys the provisions are different.

The amount of payment for five insurances and one housing fund is different in each region, and the base is based on the total salary. The exact percentage should be consulted with the local labor department. The proportion of payment varies from place to place. It's good to dismantle.

The latest base standard of Beijing Jujube 2022 social security is 5,869 yuan, and the highest payment base is 28,221 yuan. The social security unit shall bear 16% of the pension insurance, 9% of the medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Individual employees should bear unemployment insurance, 3 yuan of serious illness insurance, 2% medical insurance, and 8% pension insurance.

According to the minimum payment base to participate in the insurance, social security has to pay yuan every month.

Individuals cannot pay five insurances, individuals can only pay Shanfuna pension and medical insurance, and cannot pay other types of insurance.

You can bring your ID card and household registration book to the community and have special personnel handle it. Individuals cannot pay five insurances and one housing fund, and five insurances and one housing fund can only be paid by the unit. The medical insurance and endowment insurance paid by individuals are also different from those paid by units, which are resident insurance and employee insurance.

If the labor bureau stipulates that the employer must pay social security for the employee, it can submit it to the employer and the employer shall pay the payment. Personal endowment insurance is a life insurance with urban and rural residents as the insurance object. Urban and rural residents who are over the age of 16 and are able to work or work normally may apply to insurance companies as insureds.

There is no basis in the law.

Article 2 of the Full Text 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 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, etc.

Legal analysis: 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 completely borne by enterprises. Individuals do not need to pay.

What is meant here is the infusion hall"Five insurances"It is statutory, and "one gold" is not a statutory trouble.

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, 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 accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.