1. The insurance that is more useful to us is called medical insurance. Medical insurance is usually paid by 1% by the unit and 2% by the individual. Most common drugs for routine examination in hospitals can be reimbursed, and the reimbursement standard is adapted to local conditions. Those who have applied for medical insurance may realize the benefits of medical insurance. When you have a headache and fever and go to the hospital to get medicine, many expenses can be directly swiped through the medical insurance card. If you are really in poor health, you can also make certain reimbursement within the scope of hospitalization. If you are hospitalized or even seriously ill when you are in poor health, then medical insurance will be reimbursed more. And this part of the medical insurance that cannot be reimbursed can also be supplemented by commercial insurance.

2. Old-age insurance Old-age insurance, as the name implies, is the welfare that we begin to receive after retirement, which is what we often call retirement pension! If the endowment insurance accounts for a high proportion of the five insurances, the unit will pay you 2% of your personal salary, and you will pay 8% yourself. Individuals who participate in the basic old-age insurance can receive the basic pension on a monthly basis when they reach the statutory retirement age according to the regulations. If they reach the statutory retirement age and the cumulative payment is less than 15 years, they can pay for 15 years and then receive the pension on a monthly basis.

3. Maternity insurance. Don't think that this insurance may only be related to women. In fact, no matter whether a wife gives birth to a child, she can receive maternity medical expenses, maternity allowance and maternity leave. Maternity insurance is paid in full by the unit, as long as it is paid for one year. Within 9 days after the birth or termination of pregnancy, the maternity worker himself or his written client shall apply to the maternity insurance agency for one-time with the required materials. The actual situation of maternity insurance varies from place to place, and the time limit for applying for maternity insurance is also different. There are three months, six months and one year.

4. Unemployment insurance Unemployment insurance refers to the allowance that we can get once we are unemployed, which helps us to get through the transition period of finding the next job. However, it is not easy to get unemployment insurance. Resignation doesn't count. You have to be fired by your boss or your business closed down. At the same time, the company must pay unemployment insurance for you for a full year, and you must register for unemployment within 6 days after unemployment in order to successfully receive it. Also, if you are unemployed all the time, you can't receive unemployment insurance for two years at the longest, and you will be constantly asked to participate in re-employment training before you can receive unemployment benefits, which are several hundred yuan a month.

5. Work-related injury insurance This should be the last protection that everyone wants to use. It refers to when a worker suffers an accidental injury during work, or suffers from an occupational disease, he temporarily or permanently loses his ability to work, or even dies unfortunately. Compensation through work-related injury insurance will include material compensation for workers and compensation for the survivors of workers who died at work.

6. The housing accumulation fund is different from the "five insurances". The "one gold" is not legal. The housing accumulation fund can be rented or bought by me, or it can be withdrawn under some other special circumstances. If it is withdrawn, the bank will directly remit the money to your joint card of housing provident fund after the application form for individual housing provident fund withdrawal is submitted and approved by the relevant departments. ? In addition to buying a house and renting a house to withdraw the provident fund, it can also be used for loans to buy a house. The condition for buying a house with the provident fund is that the house must be paid in full and continuously. Those who have accumulated the provident fund for more than six months can apply for housing provident fund loans.

7. Tips It must be remembered that "five insurances and one fund" can be renewed after a break except medical insurance. If you stop paying medical insurance for three months, you will not be able to enjoy the overall reimbursement, and you must pay it again for six months before you can resume this treatment.