Endowment insurance, medical insurance and unemployment insurance in "five insurances and one gold" are premiums paid by both enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them. Generally speaking, five insurances and one gold in different places can be transferred under the conditions, but it should be noted that industrial injury insurance and maternity insurance are not allowed to be transferred. Industrial injury insurance and maternity insurance belong to the "pay-as-you-go" type, and there is no transfer problem.
If you haven't paid social security in your current city, you need to transfer social security from other cities and provinces, and then open a new account to pay. It's your choice. If you don't transfer money, it will be invalid and will not be automatically accumulated into your new account. The attrition table is used by the company to transfer your social security relationship when you resign.
And you can pay in different places, but you can only pay for old-age care (15 or more) and medical care (more than 20 years, you can enjoy medical insurance at retirement age), and social security is the foundation.
Payment ratio of five insurances and one gold
The contribution rate of different regions and companies is different, but it can be used as a reference. The contribution rates of units and individuals with five insurances and one gold are as follows:
Endowment insurance: the unit pays 19%, and the individual pays 8%.
Medical insurance: the unit pays 6% and the individual pays 2%.
Work-related injury insurance: it is paid by the employer, and individuals do not need to pay. The industrial injury insurance rate is divided into 8 grades of 0.6%-3.6% * * *, and the social security agency will verify the rate according to the characteristics of the industry to which the unit belongs.
Maternity insurance: paid by the employer, not by the individual. Maternity insurance rate is 0.3%. Male workers participate in maternity insurance, and if their wives are not insured, they can also enjoy certain maternity allowance when giving birth.
Unemployment insurance: the unit pays 0.6%, the individual pays 0.4%, and the individual does not need to pay. Unemployment insurance can only be enjoyed after paying for one year. Generally, it is paid for 2 months a year and 4 months a year, but the longest period of enjoyment cannot exceed 24 months.
Housing accumulation fund: units and individuals pay equal contributions, and the general contribution ratio is 12%.
It doesn't matter if you stop paying five insurances and one gold, because it is cumulative, and then you can continue to pay directly. Five insurances and one gold refer to several kinds of security benefits provided by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.
"Five insurances" 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, old-age 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, and individuals do not need to pay them.
legal ground
Article 29 of People's Republic of China (PRC) Social Insurance Law
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.
Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.
Thirty-first social insurance agencies may, according to the needs of management services, sign service agreements with medical institutions and pharmaceutical business units to standardize medical service behavior.
Medical institutions shall provide reasonable and necessary medical services for the insured.
Thirty-second individuals across the overall regional employment, the basic medical insurance relationship will be transferred, the cumulative payment period.