Five insurances and one fund

refers to the collective name of several kinds of security benefits provided to workers by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, as well as housing accumulation fund.

Old-age insurance, medical insurance and unemployment insurance. These three types of insurance and housing accumulation fund are paid by both enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them.

paying social insurance is a compulsory requirement of the state. The accumulation fund is based on the benefit of the enterprise. If the benefit is not good, you can determine the proportion by yourself, which does not belong to the social insurance category.

The role of five insurances and one gold:

1. Endowment insurance? In order to provide for the elderly, workers can receive pensions when they reach the legal retirement age;

2. Medical insurance is used for medical reimbursement when employees are sick

3. Unemployment insurance is used to receive living expenses after employees are unemployed;

4. Maternity insurance is the maternity reimbursement and related treatment for employees;

5. Work-related injury insurance refers to the payment of medical expenses or compensation for related work-related injury benefits when an employee suffers a work-related injury;

6. Housing accumulation fund is a housing reform. Enterprises and workers each pay a certain amount of housing fund, which can be withdrawn if they meet the conditions for withdrawal, and they can also enjoy lower housing loan interest when purchasing commercial housing, thus reducing the economic burden of workers.

Extended information:

Five insurances and one gold refer to the collective name of several kinds of security benefits provided to workers by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations."

Housing accumulation fund is a "payable" item, which is legally necessary, and paying it also shows that it is an obligation. ?

On March 23rd, 216, the 13th Five-Year Plan outlines that maternity insurance and basic medical insurance should be implemented together.

This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" will become "four insurances and one gold", and medical insurance will be merged with maternity insurance.

Some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

before the end of June p>217, maternity insurance and basic medical insurance for employees will be merged in some pilot areas, and the cost of birth check-up will be reimbursed together with the general medical expenses. The pilot period is about one year.

the first batch of pilot areas include 12 cities including Handan in Hebei, Jinzhong in Shanxi, Shenyang in Liaoning, Zhengzhou in Henan and Yueyang in Hunan.

after the merger of the two insurances, the future will be four insurances and one gold.

People who participate in medical insurance can enjoy maternity insurance. ?

Reference: Baidu Encyclopedia-Five insurances and one gold.