Endowment insurance, industrial injury insurance, medical insurance, unemployment insurance, housing insurance, transportation insurance, disability insurance, supplementary pension, medical care and education funds constitute the current seven insurances and one fund.
Five insurances and one gold content Five insurances and one gold refer to several kinds of security benefits provided by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Seven insurances and one gold are more secure, and the expenses incurred may be higher. Paying more shows that the welfare benefits of enterprises are better. If you pay more now, you will get more benefits in the future.
Compared with five insurances and one gold, the protection of seven insurances and one gold is more comprehensive and the welfare is more favorable.
First, five insurances and one gold are endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Seven insurances and one gold are endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance, accidental injury insurance, enterprise supplementary endowment insurance and housing accumulation fund. In the cross, seven insurances and one gold are more than five insurances and one gold in accidental injury insurance and enterprise supplementary endowment insurance. The following specific analysis of accidental injury insurance and enterprise supplementary pension insurance.
Second, among the seven insurances and one gold, accident insurance is mainly a kind of commercial insurance, and social insurance and industrial injury insurance are not in conflict, and they can be applied at the same time. Among them, accidental injury insurance includes travel accident insurance, traffic accident insurance and aviation accident insurance. It mainly refers to the medical expenses and compensation paid by the insured for physical disability or death caused by accidents during the agreed insurance period. This insurance can better protect us from accidental injuries, and give us a more comprehensive protection in terms of safety besides the scope of work-related injuries.
Third, enterprise supplementary endowment insurance is usually called enterprise annuity, which is a payment method similar to provident fund. At the same time, enterprise supplementary endowment insurance also includes commercial insurance purchased by enterprises for employees. Moreover, insurance is generally not deducted from the basic salary of employees. Different from endowment insurance, enterprise supplementary endowment insurance is a kind of enterprise welfare system, which is conducive to the better development of enterprise human resources, and also provides better pension treatment for employees, so that employees can enjoy better pension after retirement.
Fourthly, from the analysis of the above enterprise endowment insurance and accidental injury insurance, we can see that the two additional insurances have better protection for employees' personal safety, and provide more comprehensive protection for employees except the scope of work-related injuries and accidents. At the same time, employees have better pension welfare policies and do not need to pay enterprise supplementary endowment insurance. It can be seen that seven insurances and one gold are more comprehensive than five insurances and one gold, and the benefits are more favorable.
To sum up, seven insurances and one gold will enjoy more benefits in the future than five insurances and one gold.
Endowment insurance, industrial injury insurance, medical insurance, unemployment insurance, housing insurance, transportation insurance, disability insurance, supplementary pension, medical care and education funds constitute the current seven insurances and one fund.
Legal basis:
People's Republic of China (PRC) social insurance law
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.
The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits. Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.
Thirty-first social insurance agencies may, according to the needs of management services, sign service agreements with medical institutions and pharmaceutical business units to standardize medical service behavior.
Medical institutions shall provide reasonable and necessary medical services for the insured.
Thirty-second individuals across the overall regional employment, the basic medical insurance relationship with my transfer, the cumulative payment period.