Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" item, which is legally necessary, and paying it also means an obligation.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

Extended data:

20 18 five major changes: five insurances and one gold;

First, the first step of the national overall planning of endowment insurance

The national human resources and social security conference proposed that the national insurance plan should be fully implemented in 20 18 years. Implement the central adjustment system for basic old-age insurance funds.

Two, pay pension and medical insurance for the unemployed.

The National Conference on Human Resources and Social Security proposed to continue to extend the policy of reducing social insurance rates by stages for one year. Do a good job in the revision and implementation of unemployment insurance regulations.

On October 20 1 17 10, Ministry of Human Resources and Social Security publicly solicited opinions on the Unemployment Insurance Ordinance (Revised Draft for Comment). Compared with the current regulations, the basic old-age insurance premium, vocational skill appraisal subsidy and entrepreneurship subsidy for the unemployed are added in the opinion draft, and the medical subsidy is adjusted to pay the basic medical insurance premium.

Third, it can increase retirement income.

On February 20 1 year 18, the enterprise annuity measures were formally implemented. Enterprise annuity is a supplementary old-age insurance system independently established by enterprises and their employees through collective consultation on the basis of participating in the basic old-age insurance according to law, and it is an important part of the second pillar of China's multi-level old-age insurance system.

Four, some state-owned assets will continue to enrich the social security fund.

According to the implementation plan of transferring part of state-owned capital to enrich the social security fund announced by the State Council, it is clear that the transfer ratio is 10%.

The plan requires that some central enterprises and some provinces be selected to carry out pilot projects in 20 17. On the basis of summing up the pilot experience, in 20 18 and beyond, the state-owned shares of other enterprises run by qualified central management enterprises, central administrative institutions and central financial institutions will be transferred in batches, and the transfer will be completed as soon as possible.

Fifth, it will be easier to buy a house with a housing provident fund loan.

Recently, the Ministry of Housing and Urban-Rural Development and other departments jointly issued the Notice on Safeguarding the Rights and Interests of Employees' Housing Provident Fund Loans, requiring real estate development enterprises not to restrict, obstruct or refuse buyers to use housing provident fund loans by raising housing sales prices and reducing price discounts, and not to require or require buyers to sign a written document that voluntarily waives their rights to housing provident fund loans in disguise.

Xinhuanet -20 18 Five insurances and one gold will usher in five changes, each of which is good news!

Baidu encyclopedia-five insurances and one gold