The payment ratios of units and individuals for the five insurances and two funds are as follows: 1. The individual payment ratio for pension insurance is 8% and the unit payment ratio is 20%; 2. The individual payment ratio for medical insurance is 2% and the unit payment ratio is 10%; 3. Unemployment insurance

The individual payment ratio is 0.2%, and the unit payment ratio is 1%; 4. If individuals do not pay for maternity insurance, the unit payment ratio is 0.8%; 5. For work-related injury insurance, if individuals do not pay, the unit payment ratio is 0.8%; 6. The provident fund payment ratio for individuals

It is 5%, and the unit payment ratio is 5%; 7. The individual payment ratio of enterprise annuity is 4%, and the unit payment ratio is 8%.

The five insurances and two funds specifically include the following: 1. Pension insurance: The purpose of pension insurance is to protect the basic living needs of the elderly and provide them with a stable and reliable source of life; 2. Medical insurance: The biggest benefit of participating in basic medical insurance is to implement

Social co-ordination, economical, enhances the ability to resist risks, and guarantees the basic medical needs of employees; 3. Unemployment insurance: It is mandatory by the state through legislation, and a fund is established centrally by the society to provide compensation for people whose lives are temporarily interrupted due to unemployment.

A system that provides material assistance to workers from different sources, thereby ensuring the basic livelihood of unemployed people during their unemployment period and promoting their re-employment.

It is an important part of the social security system and one of the main items of social insurance; 4. Maternity insurance: The purpose of establishing a maternity insurance system is to ensure that female employees who give birth will enjoy protection during childbirth and lactation, so that they will not stop working and working due to childbirth.

Falling into difficulty in life; 5. Work-related injury insurance: Work-related injury insurance is a social insurance system that provides material assistance from the society when workers are injured, disabled, or die due to work-related reasons, or temporarily or permanently lose their ability to work.

All work-related injury insurance premiums are paid by the employer, and individual employees do not need to pay; 6. Provident fund: It is a long-term housing savings deposited by the unit to employees.

It is used for employees to purchase, construct, renovate, and overhaul self-occupied housing. No unit or individual may misappropriate it for other purposes; 7. Enterprise annuity: refers to the supplementary funds established voluntarily by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law.

Pension insurance system.

It is a component of the multi-level pension insurance system, which is guided by the national macroeconomics and implemented by internal enterprise decisions.

The conditions for payment of five insurances and two funds are as follows: 1. A labor contract relationship has been established with the employer and a labor contract has been signed; 2. The employer is a legal enterprise in China that has gone through the business license and other procedures, and must register for social security and housing provident funds as required.

; 3. Be a legal citizen of Chinese nationality; 4. It has nothing to do with household registration. You can apply for five insurances and one fund regardless of urban, rural, out-of-town or local.

To sum up, individuals need to pay 8% for pension insurance, 2% for medical insurance, and 0.2% for unemployment insurance. These three types of insurance are premiums paid by both the enterprise and the individual. Work-related injury insurance and maternity insurance are entirely borne by the enterprise.

Yes, individuals do not need to pay.

Legal basis: Article 2 of the "Social Insurance Law of the People's Republic of China" The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to protect citizens in the event of old age, illness, work-related injury,

The right to obtain material assistance from the state and society in accordance with the law in cases of unemployment, childbirth, etc.

Article 58 The employer shall apply to the social insurance agency for social insurance registration for its employees within thirty days from the date of employment.

If social insurance registration is not carried out, the social insurance agency shall determine the social insurance premiums that should be paid.

Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who have not participated in social insurance in the employer, and other people with flexible employment should apply to the social insurance agency for social insurance registration.

The state establishes a nationally unified personal social security number.

An individual's social security number is a citizen's identity number.