To be exact, it is "five insurances and one gold". The "six insurances" you mentioned may be supplementary medical care in addition to medical insurance, which is extra.

"five insurances and one gold" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial 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 both enterprises and individuals.

Industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay. It should be noted here that "five < P > risks" are legal, but "one gold" is not.

what is the payment ratio of "five insurances and one gold"?

At present, the contribution ratio of endowment insurance in Beijing: 2% for the unit (of which 17% is allocated to the overall fund and 3% to the individual account

) and 8% for the individual (all of them are allocated to the individual account); Medical insurance payment ratio: unit 1%, individual 2%+3 yuan;

Unemployment insurance payment ratio: 1.5% for the unit and .5% for the individual; Work-related injury insurance determines its work-related injury rate according to the industry scope < P > that the unit is divided into; Maternity insurance payment ratio: unit .8%, individuals do not pay.

contribution ratio of housing provident fund: according to the actual situation of enterprises, choose the contribution ratio of housing provident fund. However, in principle, the maximum payment

shall not exceed 1% of the average wage of Beijing employees.

(Pooling funds means that in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system,

the state needs to co-ordinate to solve the problems of unbalanced economic development and aging population.

(1) establish a social pooling fund based on enterprise contributions; (2) establish individual accounts mainly by employees and enterprises; (3

) The government bears the management expenses of the endowment insurance fund. This semi-fund system, which combines social pooling and individual accounts, is < P > beneficial to cope with the crisis of population aging in China, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system. )

the payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises

have basic salary and some related subsidies when paying, but some enterprises only pay basic salary when paying, which

is against the law. The specific proportion should be consulted with the local labor department.

The withdrawal of pension insurance, unemployment insurance and medical insurance can only be obtained under the legal permission.

It is issued by the insurance registration department, such as "pension insurance can only be obtained when you reach the legal age", and the withdrawal of unemployment insurance

is also conditional. For example, if you go to the street office where your household registration is located and apply for a job certificate,

it means that after you lose your job.

if you don't want to work after losing your job, you can't get insurance money. In addition, pension and unemployment benefits cannot be enjoyed at the same time.

do you enjoy insurance during the probation period?

you should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period, and it is not isolated

from the contract period. Therefore, you should also be insured during the probation period. In addition, it is a

legal obligation for an enterprise to insure its employees, which does not depend on the intention or voluntariness of the parties, even if the employees say that they do not need to pay insurance, and commercial insurance cannot replace social insurance. Enjoy the benefits of old-age insurance

Those who have paid the old-age insurance for more than 15 years and reached the legal retirement age can enjoy the benefits of old-age insurance:

1. Receive the basic pension calculated and paid according to regulations on a monthly basis until their death.

the calculation formula of basic pension is as follows:

basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the year before retirement

× 2% (15% if the payment period is less than 15 years)+personal account principal and interest and indexed monthly average payment salary × payment period before the end of 1997.

2. Death treatment. (1) Funeral expenses (2) One-time pension expenses (3) Living difficulties subsidies for immediate family members who meet the support conditions are paid monthly until the immediate family members who support them die.

Note: Old-age insurance should be paid continuously as far as possible. According to the relevant documents, if an enterprise or the insured pays

the basic old-age insurance premium intermittently (except for the unemployed who receive unemployment insurance benefits or those who do not pay according to relevant regulations

), the insured meets the pension conditions stipulated by the state. When calculating the basic old-age pension, the basic old-age pension will be calculated as

. According to the cumulative intermittent payment time, it is pushed forward year by year to the average salary of employees in this city in the previous year of the corresponding year

(the cumulative intermittent payment time is calculated as an intermittent payment year every 12 months, and less than 12 months are not

)

For example:

If you retire in 22, your normal basic pension is 2% of the average social salary in 219. However, if

your old-age insurance is interrupted for 3 months before retirement, it will be interrupted for 2.5 years. According to the calculation of 2 years, your basic pension is the average social salary in 217 × 2%

the enjoyment of medical insurance

1. The medical expenses for outpatient and emergency services

During the working year (January 1-December 3)

2. Settlement ratio:

During the contract period, 5% of the dispatched personnel will be reimbursed and 5% will be paid by the individual;

within one year, the maximum amount of reimbursement for outpatient and emergency services paid to dispatched personnel is 2, yuan.

3. The insured should properly keep the outpatient medical documents (including the receipt of the part below a large sum, the prescription, etc.) in the designated hospitals as the medical expense reimbursement vouchers;

4. Outpatient treatment for three kinds of special diseases: when the insured suffers from radiotherapy and chemotherapy for malignant tumor, renal dialysis and

taking anti-rejection drugs after kidney transplantation, the second-and third-level designated hospitals where the insured is treated will issue a "diagnosis certificate of disease

", fill in the Application and Approval Form for Special Diseases of Beijing Medical Insurance, and report it to the district medical insurance center for approval. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals that have been approved for treatment, and cannot be purchased at designated retail < P > pharmacies. The medical expenses incurred meet the prescribed scope of outpatient special diseases, and shall be settled with reference to hospitalization;

5. Hospitalization

● Hospitalization deposit: When the insured meets the hospitalization conditions, the hospital will collect part of the deposit from the insured, and the amount of the deposit will be determined by the hospital according to the condition. If the dispatched personnel unit and the insured fail to pay the medical insurance premium in full on time < P >, the hospitalization deposit shall be paid in full by the dispatched personnel;

● settlement period: every 9 days of hospitalization of insured persons is a settlement period; if it is less than 9 days, each hospitalization

is a settlement period;

● The medical expenses incurred by patients with malignant tumor who receive radiotherapy and chemotherapy, renal dialysis, anti-rejection drugs after renal transplantation, and patients who suffer from mental illness and need to be hospitalized all the year round shall be settled every 36 days;

● The medical expenses incurred by the insured in the family sickbed treatment at the designated community health service center (station) shall be settled every

9 days;

● When the insured is discharged from the hospital or at the end of the stage of treatment, it is necessary for the dispatched personnel to settle with the hospital the expenses that should be paid by the dispatched personnel

at their own expense and by themselves, and the medical expenses that should be paid by the basic medical insurance pooling fund and large medical mutual aid funds should be reported to the medical insurance center for review and settlement by the hospital;

● The insured person is hospitalized, and the settlement of medical expenses within the scope stipulated by the basic medical insurance is set, and the deductible line and the maximum payment amount of the basic medical

pooling fund are set;

● The first hospitalization of deductible line is 1,3 yuan, and the later hospitalization is in 65 yuan, and the maximum payment limit is 5, yuan; If the maximum payment limit exceeds

(excluding the part below the minimum threshold and the personal burden of the dispatched personnel), 7% of the funds will be paid, and the personal burden of the dispatched personnel will be 3%. Pay a maximum of 1, yuan in a year.

The settlement standard of hospitalization expenses shall be calculated by stages and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement period.

(When the proportions are adjusted, the new standards shall be implemented)

Note: medical insurance is exempt from liability for traffic accidents other than business!

unemployment insurance benefits

unemployment insurance has been paid continuously for more than one year, and the files are returned to the street. You can enjoy unemployment insurance benefits in the street.

1. Unemployment insurance: refers to the basic living expenses paid by the unemployment insurance agency to eligible unemployed people according to regulations, which is the most important unemployment insurance benefits. Unemployment insurance benefits is implemented according to relevant documents of Beijing;

2. Medical subsidy during the period of receiving unemployment insurance benefits: refers to the subsidy paid to the medical expenses incurred by the unemployed during the period of receiving unemployment insurance benefits

. According to the relevant policies and regulations of Beijing;

3. Funeral subsidies for unemployed people who died during the period of receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members

shall be implemented in accordance with relevant regulations.

Work-related injury insurance benefits

If an accident happens unfortunately during the contract period, you need to ask the enterprise for a description of the situation and affix the official seal of the enterprise, and apply for work-related injury identification as soon as possible (preferably

within three working days), and you need to provide the following materials:

1.

2. Occupational disease diagnosis certificate (one original and one copy each);

3. In case of traffic accident, the accident award of the traffic brigade or the traffic accident certificate of the traffic department shall be provided;

4. Copy of ID card;

5. The original labor contract within the validity period

Maternity insurance benefits

Maternity-related expenses can be reimbursed

The scope of reimbursement includes maternity allowance, maternity medical expenses, medical expenses for family planning operation, and other maternity-related expenses stipulated by national and municipal regulations.

The maternity allowance is calculated according to the payment base of the month when the female employee gives birth, divided by 3 and multiplied by the number of days of maternity leave. Maternity allowance

is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise.

Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female employees due to pregnancy and childbirth.

The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning.

it is now required that medical insurance should be paid for 2 years. Only after you have paid for the old-age pension for 15 years can you qualify for the old-age pension and enjoy the medical insurance after retirement. Then there is something that you can't find out online. First of all, if you go to work in a place other than your registered permanent residence, such as your original registered permanent residence in Beijing and go to work in Shenzhen, regardless of whether your registered permanent residence is transferred. In the past, if Shenzhen doesn't work in Shenzhen in the future, it will be a problem whether the five insurances and one gold paid in Shenzhen can be transferred out. Because there is no internet connection in the country now, there is only one thing in Beijing. The networking means that

if you originally worked in a company in Beijing for a few years and then jumped to work in another company in Beijing, there is no problem with five insurances and one gold

but it will be very troublesome when you jump from other provinces and cities. Can you turn it back into a problem

About the three insurances mentioned above, enterprises and individuals * * * The same payment means, for example, for the old-age insurance

insurance, if your salary is 2, then you have to pay 8% of the unit and pay 15% (the above data are all false

). All this money will be deposited in one of your accounts before you can

withdraw it when you can enjoy the old-age insurance (see above for specific conditions). Then, considering what is written in the above paragraph, if you can't transfer it, then

you can't withdraw your money for nothing

all enterprises and individuals * * * For example, if you have to pay 5 units a month and pay 1, yuan if you quit your job and the money can't be transferred, then

you can't pay 5 yuan a month for nothing and you can't take it out-because you don't meet the conditions for enjoying the housing provident fund,

you can only take it out when you buy a house

Then someone may ask, if I don't plan to stay. The answer is that you can't have at least three insurances, which is compulsory by the state, so you are helpless. In addition, the question about the base of five insurances and one gold is which part of your salary is multiplied by that percentage.

First, let's look at the composition of your salary. Basic salary+various benefits+bonus

Many enterprises only pay five insurances and one gold according to the basic salary, because if you calculate it according to three parts, you will have more money personally, but the unit will give it. (The five insurances and one gold paid by both enterprises and individuals are paid by individuals.

Small-headed companies pay big contributions.) Therefore, in order to save money for themselves, many enterprises have to pay as little as possible.

In addition, there is a big problem with the welfare part, which you must ask when signing contracts in the future!

As mentioned earlier, the housing accumulation fund is also paid by both enterprises and individuals, but the part paid by enterprises will be yours sooner or later (as long as you buy a house in the future, you can take it out at one time). For example, if you pay 5 units per month in proportion, you may post 1. Although this 15 can't be taken out before you buy a house, theoretically,

that 1 is also for you. ! ! ! Because that 1, is false, you can't get it out when you don't buy a house, so when you sign

, you should ask whether this welfare includes housing provident fund. Be careful, be careful

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