First, five insurances and one gold include:

The "five insurances" refer to five insurances, including endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance;

"one gold" refers to the housing accumulation fund.

among them, pension insurance, medical insurance and unemployment insurance are the premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay. It should be noted here that "five risks" are legal, but "one gold" is not.

Second, the role of five insurances and one gold:

Old-age insurance-it can be paid for 15 years at a time

If you don't find a new job after resigning, the social security will be cut off, will it affect your future pension benefits? According to China's "Social Insurance Law", you can enjoy the pension insurance benefits as long as you have paid the pension insurance for 15 years before retirement; Even if the payment is broken, as long as the fee is paid in full before retirement. Workers who go to different places need to issue a payment voucher to the social security agency in their original place of work, and then hand it over to the social security agency in their new place of work to go through the transfer and connection procedures.

8% of the endowment insurance payment base (RMB 2,89 ~ RMB 15,669 in Beijing) shall be borne by the individual, and shall be paid into the personal account; The unit undertakes 2% of the base and enters the social security pooling fund.

The main factors that affect how much pension you can get after retirement are starting working time, working years, salary before retirement and personal account balance. Take Beijing as an example. Suppose Mr. Zhang joined the work in 2 and retired in 23. At present, his monthly income is 4, yuan, and the pension insurance 32 yuan is deducted from his salary every month. The pension he can receive includes basic pension and personal account pension. The former is related to my average salary, the average monthly salary in this city and the payment period, while the latter is related to the total personal payment. Based on the average monthly social wage of 4,672 yuan in Beijing in 211, if all other standards remain unchanged, the total expenses paid by individuals and companies are: 4,× 8 %× 12× 3+4,× 2 %× 12× 3 = 43,2 yuan. My average payment wage index =(4/4672×3)/3=.86, my indexed monthly average payment wage (that is, the pension calculation base) =4672×.85=418 yuan, and the basic pension = (4672+418)/2× 3/1 = 1318 yuan.

those who pay the old-age insurance in the non-registered residence can apply for the old-age insurance in the paying city as long as they have paid the old-age insurance continuously for 1 years and accumulated the old-age insurance for 15 years.

medical insurance-you can continue to use it after retirement

You can use a medical insurance card to see a doctor when you are on the job, and you can enjoy it for life if you don't pay when you are old? If you see a doctor too much at work, will you spend all the money in your medical insurance card?

according to the national regulations, women can continue to enjoy medical insurance after retirement if they have paid 2 years before the legal retirement age of 5 (55 for cadres) and 25 years before the age of 6 for men. The medical insurance fee is paid once a year, and there is no problem of spending all the money.

affected by the level of medical insurance payment and other factors, the proportion of payment and reimbursement is different. Taking Beijing as an example, the unit bears 1% of the base of medical insurance payment (the minimum in Beijing is 3,134 yuan), and the individual bears 2% of the base+3 yuan's major illness pooling fund. Among them, 1% paid by the unit and 2% paid by the individual are included in the medical pooling fund, and 3 yuan paid by the individual is included in the serious illness pooling fund.

medical insurance can be used for outpatient treatment, medicine purchase, examination, hospitalization and vaccination, but cosmetic surgery, weight loss, height increase, myopia correction and medical expenses incurred abroad cannot be reimbursed. New employees and units can enjoy relevant treatment from the day when they pay medical insurance for individuals. As long as retirees meet the statutory retirement age and have paid the prescribed number of years, they can continue to use the medical insurance card after modifying their personal information to retirement status. It should be noted that the medical insurance card will be frozen if the individual fails to pay the fee during the resignation period.

at present, medical insurance can be used in different places. For example, the insured in Beijing can fill in the Approval Form for Resettlement Personnel in Beijing at the district and county medical insurance center where they are located, select two hospitals in the city and one hospital in Beijing, and submit them to the Social Security Bureau for approval, then they can be allowed to seek medical treatment in different places. Reimbursement expenses need to be settled back in Beijing.

Work-related injury insurance-it will expire after more than 48 hours

Work-related injury insurance is paid by the enterprise, and employees do not need to pay it. The proportion of payment is .2% ~ 3% of the industrial injury insurance base.

As long as employees who have signed formal labor contracts are injured during working hours and in the workplace, they can apply for work-related injury certification. Injured people on their way to and from work can also apply for work-related injury certification.

There is a time limit for applying for work-related injury certification: if the unit assists in applying for work-related injury certification, it must fill in the application form at the work-related injury certification office within 3 days from the date of injury, and submit the proof of labor relationship with the employer and the medical diagnosis certificate; If the employee handles it himself, the time can be relaxed to one year, and the information to be carried is the same.

employees suffering from chronic diseases, such as heart disease and hypertension, can also enjoy work-related injury insurance if they suddenly get sick at work and die within 48 hours. However, if he dies more than 48 hours, the industrial injury insurance will be invalid. However, whether employees who have not died within 48 hours but are disabled due to illness enjoy insurance is not clearly defined in relevant laws and regulations. Experts call on relevant departments to introduce policies as soon as possible to improve the industrial injury insurance system.

maternity insurance-male employees have late maternity leave

maternity insurance is paid by the unit, accounting for .8% of the base, and individuals do not need to pay.

To enjoy maternity insurance, two conditions must be met: 1. The employer has paid for employees for more than one year and continues to pay for them; 2 in line with national and provincial population and family planning regulations. Usually, the woman pays maternity insurance, regardless of whether the man pays it or not, the woman can enjoy the insurance. If the woman doesn't pay, and only the man pays, the woman can't enjoy insurance. If both parties pay, and the woman is eligible for late childbirth (after the age of 24) and it is the first childbirth, the man can enjoy 3 days of late childbirth reward leave.

Maternity insurance can be reimbursed from prenatal examination fees to delivery fees. There is an upper limit for reimbursement of childbirth expenses, which varies slightly from place to place. Take Beijing as an example. For those who give birth in designated hospitals, the maximum reimbursement is 3, yuan for first-class hospitals, 2,9 yuan for second-class hospitals and 2,7 yuan for third-class hospitals.

after the baby is born, the insured will hand over the baby's birth certificate, Beijing maternity service certificate and other reimbursement vouchers to the unit, and the unit will submit the reimbursement to the social security center.

women can also enjoy maternity allowance paid by maternity insurance fund during maternity leave. The calculation formula of the allowance amount is: the average payment salary of the unit in the current month ÷3 (days) × holiday days. If the allowance is lower than my salary, the difference will be made up by the enterprise.

Unemployment insurance-voluntary resignation cannot be used

Unemployment insurance is paid by the unit at 1% and the individual at .2%. However, Beijing stipulates that non-Beijing rural hukou workers can be exempted from paying personal part.

To receive unemployment insurance benefits, two conditions must be met: 1. The employer and I have paid unemployment insurance for one year as required; 2. Resign without your own initiative. Those who have paid for 1~5 years before unemployment can get at least 3 months and at most 12 months; 5~1 years, up to 18 months; More than 1 years, up to 24 months. However, each person can only receive unemployment insurance for 24 months at most. The amount of unemployment insurance money varies from province to city (892~11 yuan in Beijing). Please consult the local social security bureau for details.

When you receive unemployment insurance benefits, you must prepare all relevant materials. Take Beijing as an example, those who receive unemployment insurance benefits should bring with them the unit social insurance registration certificate, the roster of Beijing unemployment insurance premium payers, the certificate of approval of the labor and social security department for the use of people from other provinces and cities, and the employment certificate of foreigners in Beijing (Beijing nationals can be exempted from the latter two items).

provident fund-low interest rate of housing loan

Housing provident fund is paid by both enterprises and individuals, but the proportion of each province and city is different. In Beijing, for example, enterprises and individuals each paid 12% of the average monthly salary of the previous year, which was deposited in the personal provident fund account, and all of them were owned by individuals.

Generally, the provident fund cannot be withdrawn at will, and can only be used when buying a house or renting a house. Rural hukou workers can withdraw their own housing provident fund when they leave their jobs in other provinces and cities; Urban hukou residents can only transfer out of the provident fund when they go to work in other provinces and cities. Due to the different policies of different provinces and cities, it is necessary to properly handle your own provident fund according to your specific situation.

The materials needed to withdraw the provident fund are: contracts for renting and buying houses, invoices and ID cards. Loan buyers should provide information such as loan contracts. Tenants should provide the landlord's tax payment certificate.

It should be noted that when buying a house with a loan, the provident fund can be withdrawn once every six months or once a year, and the interest rate of the provident fund loan for 6 to 3 years is 4.5%, which is much lower than the interest rate of commercial loans. Paying rent with provident fund can only be withdrawn once a year. When buying a house, you can use the provident fund to pay the mortgage as much as possible, which can not only reduce the total loan amount, but also reduce the loan interest rate. If you want to rent a house with the provident fund, you need to communicate with the landlord in advance and ask him to provide the tax payment voucher before you can withdraw the provident fund.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.