There is a provident fund for five insurances and one gold.

Five insurances and one gold specifically include the following:

1. Endowment insurance: The purpose of endowment insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life;

2. Medical insurance: The biggest advantage of participating in the basic medical insurance is to implement social overall planning, which is economical, enhances the ability to resist risks, and guarantees the basic medical needs of employees;

3. Unemployment insurance: a system enforced by the state through legislation, in which funds are set up by the society to provide material assistance 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. It is an important part of the social security system and one of the main items of social insurance.

4. Maternity insurance: The function of establishing maternity insurance system is to ensure that female workers who give birth will enjoy protection during childbirth and breastfeeding, and will not stop working and fall into life difficulties due to childbirth;

5. Work-related injury insurance: Work-related injury insurance is a social insurance system in which workers are temporarily or permanently disabled due to work-related injuries or disability, and the society gives them material help. All work-related injury insurance premiums are paid by the employer, and individual employees do not need to pay;

6. Provident fund: it is the long-term housing savings paid by the unit to employees. It is used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

The specific conditions for receiving five insurances and one gold are as follows:

1. Old-age insurance: the accumulated payment period has reached 15 years or more, and you can receive a monthly pension after meeting the statutory retirement age;

2. medical insurance: the payment period is 2-25 years, and you can enjoy medical insurance benefits for life after you meet the retirement age;

3. Unemployment insurance: you can receive unemployment benefits for a maximum of 24 months after you have paid for one year or more continuously and meet other conditions;

4. Maternity insurance: After continuous payment for one year, you can reimburse the expenses of birth check-up and delivery, receive maternity allowance and enjoy maternity leave;

5. Work-related injury insurance: As long as you pay work-related injury insurance, you can get compensation for work-related injuries during work;

6. Housing provident fund

(1) If the unit pays the housing provident fund and needs to pay it in full for 6 months, it can use the provident fund loan to buy a house;

(2) If an individual pays the housing provident fund, he can use the provident fund loan to buy a house after paying it in full for one year.

to sum up, five insurances and one gold refer to several kinds of security benefits provided by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and housing accumulation fund.

Legal basis:

Article 2 of the Social Insurance Law of the People's Republic of China

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

article 3 of the regulations on the management of housing provident fund

the housing provident fund paid by individual employees and the housing provident fund paid for employees by their units belong to individual employees.