"Three insurances and one fund" (basic old-age insurance premium, basic medical insurance premium, unemployment insurance premium and housing provident fund) According to the national regulations, "three insurances and one fund" are paid by the employer and the individual, turned over regularly, and deposited in the insurance account or provident fund account opened in the individual capacity, which is managed by the relevant social functional departments. The calculation and payment methods of "three insurances and one gold" are as follows:

1. Endowment insurance: individuals pay 4% of the salary base, enterprises pay 1% of the salary base, and individuals pay to the legal normal retirement age.

2. medical insurance: individuals pay 2% of the basic medical insurance salary base, and 9.8% of the salary base paid by the unit is paid into personal accounts; Individuals with large mutual funds for medical expenses pay 3 yuan every month, and the unit pays 1% of the salary base. Personal illness, by the basic medical insurance fund and personal account * * * with the cost. Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion. The insufficient part of the personal account is paid by myself.

3. Unemployment insurance: .5% of the salary base paid by the individual and 1.5% of the salary base paid by the unit. Participate in unemployment insurance in accordance with the regulations, and the unit and I have fulfilled the payment obligation for one year in accordance with the regulations; Not because of my will to interrupt employment; Those who have registered for unemployment and have job requirements can receive unemployment insurance.

4. Housing accumulation fund: 8% of the salary base paid by individuals and 8% of the salary base paid by units. Individual purchase, construction, renovation and overhaul of owner-occupied housing; Retired, completely lose the ability to work, and terminate the labor relationship with the unit; The city or county where the registered permanent residence is moved out or settled abroad; Repaying the principal and interest of purchase and loan; If the rent exceeds the prescribed proportion of family wage income, the housing provident fund can be withdrawn.

In addition, on July 6th this year, the Ministry of Finance announced the joint notice issued by the Ministry of Finance and State Taxation Administration of The People's Republic of China at the end of June. The notice is clear: the housing provident fund actually paid by units and individuals is allowed to be deducted from the taxable income of individuals within the range of not exceeding 12% of the average monthly salary of employees in the previous year. If it exceeds 12%, the excess will be incorporated into the individual's current salary and salary income, and personal income tax will be levied.

So, you need to know the proportion of three insurances and one gold in the company, so you can know how much you have to pay.

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