"Five insurances" refer to old-age insurance, unemployment insurance, industrial injury insurance, medical insurance and maternity insurance. One gold is the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance, these three kinds of insurance and housing accumulation fund are the premiums paid by enterprises and individuals, and industrial injury insurance is borne by enterprises, and individuals do not need to pay. Maternity insurance: At present, the maternity allowance attached to medical insurance in Dongguan is not required to be paid by enterprises or individuals.
Old-age insurance: the full name of social basic old-age insurance, which 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 stipulated by the state to terminate their labor obligations or quitting their jobs due to old age. The purpose of endowment insurance is to ensure the basic needs of the elderly and provide them with a stable and reliable source of life.
unemployment insurance: it refers to the system that is enforced by the state through legislation, and funds are set up by the society in a centralized way to provide material help to workers who have temporarily interrupted their livelihood due to unemployment, so as to ensure the basic livelihood of unemployed people during unemployment and promote their re-employment. In our country, the unemployed are satisfied: employment is not interrupted because of their own will; Have registered for unemployment and have job requirements; In accordance with the provisions to participate in unemployment insurance, the unit and I have fulfilled the payment obligations in accordance with the provisions of the three conditions for one year, before they can enjoy unemployment insurance benefits.
Work-related injury insurance: refers to a social insurance system in which workers or their survivors get material help from the state and society when they suffer temporary or permanent loss due to accidental injuries or occupational diseases at work or under specified special circumstances. Workers temporarily lose their ability to work due to work-related injuries or occupational diseases. No matter what the reasons are, the responsibility lies with individuals or enterprises, and they all enjoy social insurance benefits, that is, the principle of compensation without negligence.
Note: On the way to and from work, those who are injured by traffic accidents or urban rail transit, passenger ferry and train accidents for which I am not primarily responsible are also recognized as work-related injuries.
medical insurance: medical insurance means that through national legislation, according to the principle of compulsory social insurance, the basic medical insurance premium should be paid in full and on time by the employer and individual employees.
maternity insurance: female insured persons who have been insured continuously and paid the medical insurance fee in full for 12 months, and who have complied with the relevant family planning policies of the state, province and city, declared and registered the population and family planning information in the family planning department according to the regulations, and received family planning technical management services, can enjoy maternity medical treatment according to the following standards after giving birth: 2, yuan for delivery through the birth canal and 3,5 yuan for cesarean section.
After the insured male workers have been insured continuously and paid the medical insurance fee in full for 12 months, their unemployed spouses can enjoy the same treatment of maternity medical expenses.
housing accumulation fund: housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. It is mandatory, mutually supportive and supportive. Units and individual employees must fulfill the obligation to pay housing provident fund according to law.