To understand the proportion of five insurances and one gold, we must first know which five insurances are specifically referred to. Five insurances and one gold refer to: endowment insurance, medical insurance, unemployment insurance, work 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, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Old-age insurance with five insurances and one gold ratio: Old-age insurance is paid by enterprises and individuals, in which enterprises pay 2 1% for you every month and individuals pay 8% by themselves. Five insurances and one gold proportion medical insurance: medical insurance is borne by both enterprises and employees: the enterprise pays 9% for you every month, and the employees pay 2% plus 10 yuan serious illness co-ordination (serious illness co-ordination mainly covers hospitalization); Five insurances and one gold ratio unemployment insurance: unemployment insurance is paid by both the unit and the employees: the unit pays 2% for you every month, and you pay1%yourself; Work-related injury insurance with the proportion of five insurances and one gold: the work-related injury insurance fee shall be fully borne by the unit, and the unit shall pay 0.5% for you every month. The specific payment amount of industrial injury insurance needs to be determined according to the industry scope divided by the unit. Under normal circumstances, the contribution rate of industrial injury insurance is between 0.5% and 2%; Five insurances and one gold ratio maternity insurance: maternity insurance is purchased by enterprises for employees, and enterprises pay 0.8% maternity insurance premium for employees every month. Housing accumulation fund with the proportion of five insurances and one gold: units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund should not be less than 10% of the salary, and the units with good benefits can be higher. The above is the ratio of five insurances and one gold compiled by Bian Xiao for everyone. Due to the different levels of economic development, the proportion of five insurances and one gold in different regions of China is slightly different. Among them, Beijing, Shanghai, Shenzhen and other first-tier cities have relatively large payment bases, while second-and third-tier cities have relatively small social security payment bases. Therefore, it is suggested that you buy appropriate commercial insurance (attached: He Zhong worry-free term life insurance) according to your own economic situation, and the five insurances and one gold in social security complement each other to make your future life safe and worry-free.