"Six insurances and two gold" is based on "five insurances and one gold", adding supplementary medical insurance and enterprise annuity.

Six risks: old-age insurance, medical insurance, unemployment insurance, supplementary medical insurance, industrial injury insurance and maternity insurance. Two funds: housing provident fund and enterprise annuity. Enterprise annuity refers to the supplementary old-age insurance system voluntarily established by enterprises and their employees on the basis of participating in basic old-age insurance according to law. It is an integral part of the multi-level old-age insurance system, which is jointly implemented by the macro guidance of the state and the internal decision-making of enterprises.

"Six insurances and two gold" is based on "five insurances and one gold", adding supplementary medical insurance and enterprise annuity.

Five insurances and one gold include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund.

Six risks: old-age insurance, medical insurance, unemployment insurance, supplementary medical insurance, industrial injury insurance and maternity insurance.

Two funds: housing provident fund and enterprise annuity.

Enterprise annuity refers to the supplementary old-age insurance system voluntarily established by enterprises and their employees on the basis of participating in basic old-age insurance according to law.

Supplementary medical insurance and enterprise annuity (a kind of supplementary old-age insurance) are paid voluntarily, not compulsory. Moreover, supplementary medical insurance and enterprise annuity have existed for a long time, but the newly promulgated enterprise annuity method took effect on February 1 this year.

Supplementary medical insurance is relative to basic medical insurance, and it will be different in different regions and different enterprises. Take Beijing as an example. Go to the hospital to see a doctor and get medicine. There's nothing you can do about the basic medical insurance 1800 yuan. You can only be reimbursed by supplementary medical insurance.

Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

Unemployment insurance refers to a system that is enforced by the state through legislation, and the employers, employees' individual contributions and state financial subsidies jointly raise funds to establish an unemployment insurance fund to provide material help to workers who have temporarily stopped living due to unemployment, to ensure their basic livelihood, and to create conditions for their re-employment through vocational training and employment introduction.

Industrial injury insurance refers to a social insurance system in which workers or their survivors suffer accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent loss of working ability and death, and the state and society provide material assistance.

Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and pregnant female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers.