1. Old-age insurance: paid by individuals and enterprises for retirement pension and medical security of retirees.
2. Medical insurance: paid by individuals and enterprises to reimburse personal and family medical expenses.
3. Unemployment insurance: paid by enterprises to provide basic living security for unemployed people and help them find jobs again.
4. Work-related injury insurance: The enterprise shall pay the medical expenses, rehabilitation expenses and work-related injury allowance for the workers who are injured in a certain period of time.
5. Maternity insurance: maternity medical expenses and maternity allowance during maternity leave are paid by the enterprise.
6. Housing accumulation fund: paid by individuals and enterprises to help employees solve housing problems.
7. Supplementary medical insurance: individuals voluntarily purchase and supplement the reimbursement scope and proportion of basic medical insurance.
8. Commercial old-age insurance: individuals purchase it voluntarily to supplement the pension level of basic old-age insurance.
By paying six insurances and two gold, the basic needs of individuals and families can be guaranteed, especially in medical care and old-age care. At the same time, these insurance and provident fund systems are also one of the important means for enterprises to recruit talents and stabilize the workforce.
Advantages of six insurances and two gold compared with the traditional five insurances and one gold;
1, More comprehensive protection: Six insurances and two insurances have more supplementary medical insurance and commercial endowment insurance than five insurances and one gold, which makes it possible for them to get more comprehensive protection in the face of various risks in life.
2. The reimbursement rate is higher and the scope of reimbursement is wider: Supplementary medical insurance can reimburse the remaining out-of-pocket part after the reimbursement of basic medical insurance, greatly reducing the pressure on medical expenses. At the same time, the pension level of commercial endowment insurance is often higher than that of basic endowment insurance, which effectively improves the quality of life after retirement.
3. Greater housing security: Paying housing provident fund can help employees solve housing problems. Whether buying a house, decorating or renting a house, you can use the housing provident fund loan, which effectively reduces the pressure of buying a house and renting a house.
4. More stable sources of income: unemployment insurance, work injury insurance and maternity insurance in the five insurances and one fund can provide certain economic compensation to employees when they encounter risks such as unemployment, work injury and maternity, and guarantee their basic living needs.
5. More choices: For employees who need to buy a house or want to improve their quality of life after retirement, six insurances and two funds provide more choices.