"Five insurances and one fund" refers to five social insurances and one provident fund. "Five insurances" include 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. Industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.
20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" will become "four insurances and one gold". 20 16 12 19 the National People's Congress Standing Committee (NPCSC) deliberated on the relevant draft decision, and proposed to authorize the State Council to temporarily adjust and implement the relevant provisions of the People's Republic of China (PRC) Social Insurance Law in the administrative areas of pilot cities such as Handan and Kloc-0/2, with Handan and Zhengzhou as pilot cities. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.
Since 20 18 and 1, the minimum standard of basic pension for urban and rural residents in China has been raised to 88 yuan per person per month, that is, 18 yuan has been added on the basis of the original 70 yuan per person per month.
legal ground
People's Republic of China (PRC) civil servant law
Eighty-third civil servants to participate in social insurance according to law, enjoy insurance benefits in accordance with state regulations. If a civil servant dies in the line of duty or dies of illness, his relatives shall enjoy pensions and preferential treatment prescribed by the state.
Article 84 No organ may change the salary, welfare and insurance policies of civil servants without authorization, and may not raise or lower the salary, welfare and insurance benefits of civil servants without authorization. No organ may deduct or default on the salaries of civil servants.