"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, endowment insurance, medical insurance and unemployment insurance, these three kinds of insurance and housing accumulation fund are the 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. It should be noted here that "five insurances and one gold" are legal. Three insurances specifically refer to:

Old-age insurance: social basic old-age insurance, which is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers after reaching the working age limit stipulated by the state to relieve their labor obligations or quitting their jobs due to old age. China's endowment insurance consists of four levels (or parts). The first level is basic old-age insurance, the second level is enterprise supplementary old-age insurance, the third level is personal savings old-age insurance, and the fourth level is commercial old-age insurance. In this multi-level old-age insurance system, the basic old-age insurance can be called the first level and the highest level. At the same time, the insured can only meet the following two conditions: (1) he has reached the retirement conditions stipulated by the state and has gone through the relevant procedures; If the accumulated payment period of the basic old-age insurance premium is over 15 years according to the regulations, the basic pension and funeral subsidy can be received monthly after the approval of the administrative department of labor security.

medical insurance: medical insurance means that through national legislation, according to the principle of compulsory social insurance, the basic medical insurance premium should be paid in full and on time by the employer and individual employees. If it is not paid in full and on time, regardless of individual account, the basic medical insurance fund will not pay its medical expenses. Employees shall participate in the basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premium in accordance with the provisions of the state.

individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employing unit and other flexible employees can participate in the basic medical insurance for employees, and individuals will pay the basic medical insurance premium according to state regulations.

unemployment insurance: it refers to a system that is enforced by the state through legislation, and funds are set up by the society to provide material assistance to workers whose livelihood is temporarily interrupted due to unemployment. It is an important part of the social security system and one of the main items of social insurance.

Unemployment insurance refers to a system that is enforced by the state through legislation, in which funds are set up by the society in a centralized way to provide material assistance to workers who have temporarily interrupted their sources of livelihood due to unemployment, thus ensuring the basic livelihood of unemployed people during unemployment and promoting their re-employment.

In our country, unemployed people are satisfied: employment is not interrupted because of their own will; Have registered for unemployment and have job requirements; To participate in unemployment insurance according to the regulations, the employer and I can enjoy the unemployment insurance benefits only after they have fulfilled the payment obligations for one year according to the regulations. The treatment mainly involves the following aspects:

(1) Unemployment insurance benefits received monthly, that is, the basic living expenses paid by the unemployment insurance agency to eligible unemployed people according to the regulations.

(2) medical subsidies during the period of receiving unemployment insurance benefits, that is, subsidies paid to medical expenses incurred during the period of receiving unemployment insurance benefits.

(3) Funeral allowance for the death of unemployed persons while receiving unemployment insurance benefits and pension for supporting their spouses' immediate family members.

(4) Give compensation to the institutions that provide vocational training and introduction to the unemployed during the period of receiving unemployment insurance benefits, or to those who receive vocational training and introduction, and help them find jobs again.

Five insurances are the legal obligations of enterprises, and enterprises should handle five insurances for every employee. Housing provident fund is not necessarily mandatory, and some places can not pay it.

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