Five insurances and one gold, "five insurances", including old-age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. The payment base of five insurances and one gold is based on the total wages, and the regulations on the payment amount are different in different regions. Generally speaking, the payment ratio of five insurances and one gold is: 1, endowment insurance: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account). 2. Medical insurance: unit 8%, individual 2%+3 yuan 3. Unemployment insurance: unit 2%, individual1%; 4. Work-related injury insurance: the unit pays you 1% every month, and you don't have to pay a penny yourself; 5, maternity insurance: the unit pays you 1% every month, and you don't have to pay a penny yourself; 6. Housing provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees.