"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, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five 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 is: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing.

(Overall planning fund refers to: 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 make overall plans to solve the problems of unbalanced economic development and aging population.

(1) Establish a social pooling fund mainly based on enterprise contributions; (2) Establish personal accounts based on employees and enterprises; (3) The government bears the management expenses of the endowment insurance fund. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of China's aging population, 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 pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.

The surrender of endowment insurance, unemployment insurance and medical insurance can only be obtained under the circumstances permitted by law, and shall be issued by the insurance registration department. For example, "Old-age insurance can only be received if it reaches the legal age, and unemployment insurance benefits is also eligible to receive it. For example, if you go to the street office where your household registration is located and apply for an employment permit, it means that you must have the will to apply for a job after you lose your job.

If you don't want to work after losing your job, you won't get insurance money. In addition, pensions 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, not isolated from it. So you should also take out insurance during the probation period. In addition, it is the legal obligation of the enterprise to insure employees, which does not depend on the intention or will of the parties. Even if employees say that they do not need to pay insurance, commercial insurance cannot replace social insurance. Enjoy old-age insurance benefits

Those who have paid the old-age insurance premium 15 years or more and reached the statutory retirement age can enjoy the old-age insurance benefits:

1, receive the basic pension on a monthly basis according to regulations until death.

The basic pension is calculated as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement × 20% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×

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

Note: Endowment insurance should be paid continuously as far as possible. According to the relevant documents, if the enterprise or the insured pays the basic old-age insurance premium intermittently (except for the unemployed and those who do not pay according to the relevant regulations), the insured meets the conditions stipulated by the state for receiving the pension. When calculating the basic pension, the calculation base of the basic pension will be moved forward year by year according to the cumulative intermittent payment time to the average salary of employees in this city in the previous year (the cumulative intermittent payment time is calculated at 65438+ for each full year).

For example:

If you retire in 2020, under normal circumstances, your basic pension is 2065438+the average social wage in 2009 × 20%, but if your pension insurance is interrupted for 30 months before retirement, it will be interrupted for 2.5 years. According to two years, your basic pension is 2065438+the average social wage in 2007 × 20%.

Enjoy medical insurance benefits

1, outpatient and emergency medical expenses

The annual medical expenses of the employees (65438+1October1-65438+February 3 1) are more than 2,000 yuan;

2. Settlement ratio:

During the contract period, 50% of the dispatched personnel will be reimbursed for more than 2,000 yuan, and 50% will be paid by the individual;

Within one year, the maximum amount of accumulated reimbursement for outpatient and emergency services of dispatched personnel is 20,000 yuan.

3. The insured shall properly keep the medical documents (including receipts and prescriptions for large amounts) in the outpatient department of the designated hospital. ), as a medical expense reimbursement certificate;

4. Outpatient treatment of three kinds of special diseases: when the insured needs to take anti-rejection drugs after radiotherapy and chemotherapy for malignant tumor, renal dialysis and renal transplantation, the second-and third-level designated hospitals where the insured sees a doctor will issue the Certificate of Disease Diagnosis, fill in the Application Form for Special Diseases of Beijing Medical Insurance, and report it to the district medical insurance center for approval and filing. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals that have approved treatment, and cannot be purchased in designated retail pharmacies. The medical expenses incurred meet the prescribed scope of outpatient special diseases, with reference to hospitalization settlement;

5. Hospitalization

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

● Settlement period: every 90 days of hospitalization of insured persons is a settlement period; No more than 90 days, each hospitalization is a settlement period;

● Medical expenses incurred by patients with malignant tumor after outpatient radiotherapy and chemotherapy, renal dialysis and renal transplantation taking anti-rejection drugs, as well as mental patients who need to be hospitalized all the year round, shall be settled every 360 days;

● The medical expenses incurred by the insured for family sickbed treatment in designated community health service centers (stations) shall be settled once every 90 days;

● When the insured is discharged from the hospital or at the end of the treatment stage, 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 out of their own pocket, and the medical expenses that should be paid by the basic medical insurance pooling fund and the large medical mutual fund should be reported by the hospital to the medical insurance center for review and settlement;

● When the insured person is hospitalized, he shall set the settlement method of medical expenses within the scope stipulated by the basic medical insurance, and set the deductible line and the maximum payment limit of the basic medical pooling fund;

● The first hospitalization of the deductible line 1.300 yuan, and the later hospitalization in 650 yuan, with a maximum payment limit of 50,000 yuan; Mutual assistance for large medical expenses exceeding the maximum payment limit (excluding the part below the minimum deductible and the personal burden of dispatched personnel)

70% of the funds are paid, and 30% of the dispatched personnel are personally responsible. The maximum compensation for one year is 654.38+10,000 yuan. According to the hospital level and the amount of expenses in a settlement period, the settlement standard of hospitalization expenses is calculated by stages and paid cumulatively.

(When the proportion is adjusted, the new standard should be applied. )

Note: medical insurance for non-public traffic accidents is exempt!

Unemployment insurance benefits.

Unemployment insurance is paid continuously for more than 1 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 shall be implemented according to relevant documents of Beijing;

2. Medical subsidy during the period of receiving unemployment insurance benefits: refers to the subsidy for medical expenses incurred by the unemployed during the period of receiving unemployment insurance benefits. According to 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 spouses and immediate family members shall be implemented in accordance with relevant regulations.

Work-related injury insurance enjoys treatment.

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, apply for work-related injury identification as soon as possible (preferably within three working days) and provide the following materials:

1, initial treatment diagnosis or hospitalization medical records;

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

3. If there is a traffic accident, provide a traffic brigade accident award or a traffic accident confirmation from the traffic department;

4. Copy of ID card;

5. 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, family planning operation medical expenses and other maternity-related expenses stipulated by the state and this Municipality.

Maternity allowance is calculated according to the payment base of the month when female employees give birth divided by 30 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.

Now it is required to pay medical insurance for 20 years, pay pension 15 years to qualify for pension, and enjoy medical insurance reimbursement after retirement.

Then there are some things that you can't find online.

First of all, if you go to work in a non-hukou, such as Beijing, and work in Shenzhen, it is a problem whether the five insurances and one gold paid in Shenzhen can be transferred out in case you don't work in Shenzhen in the future, because there is no network in the country now, only the network in Beijing, that is to say, if you used to work in one unit in Beijing and then moved to another unit in Beijing, there is no problem, but it will be very good to transfer from other provinces and cities.

Of the five risks mentioned above, three are paid by both enterprises and individuals. This means that, for example, for the old-age insurance, your salary is 2000 yuan, and you have to pay 8% and 15% (all the above data are hypothetical), and all the money will be deposited in one of your accounts, and you can only withdraw it when you can enjoy the old-age insurance (see above for details). Then, consider what is written in the above paragraph in case it cannot be transferred.

Enterprises and individuals pay the same part, so does the housing provident fund. For example, if you pay 500 units a month and pay 1000, if you resign and can't transfer the money, you can't take it out for nothing-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 some people may ask, if I don't plan to develop my life in the city where I just started working, can I not pay five insurances and one gold in case I can't transfer in the future? The answer is that you can't have at least three risks, which is compulsory by the state, so you are helpless. In addition, the question about which part of your salary is multiplied by that percentage is like this. Let's take a look at your salary composition first: basic salary+various benefits+bonus. Many enterprises only pay five insurances and one gold according to the basic salary, because if you calculate according to the three parts, you will have more personally, but the unit will give you more (the five insurances and one gold paid by enterprises and individuals are all paid by individuals, so many enterprises can save as little as possible in order to save money for themselves. In addition, there are also great problems in the welfare sector. Be sure to ask when signing a contract in the future!

As mentioned earlier, the housing accumulation fund is also paid by 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 500 units in proportion every month, you may be posted 1000. Although this 1500 can't be taken out before you buy a house, it is theoretically for you. ! ! ! Because that 1000 is empty, you can't get it out without buying a house, so when you sign it, you should ask whether this welfare includes housing provident fund. Be careful.

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