"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. 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. Individuals do not need to pay fees. It should be noted that the "five risks" are legal.
As far as the "five risks" are concerned, the proportion of units and individuals is generally:
Endowment insurance units bear 20% and individuals bear 8%;
6% for medical insurance units and 2% for individuals;
Unemployment insurance unit 2%, individual1%;
1% maternity insurance shall be borne by the unit;
0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.