Sanjin refers to: medical insurance, housing accumulation fund and endowment insurance.
Two, social insurance includes:
1, endowment insurance;
2. Unemployment insurance;
3. Medical insurance;
4. Work injury insurance;
5. Maternity insurance.
There are five kinds of insurance.
3. What's the difference between five insurances, one gold and three gold?
(1) Popular understanding: Three golds are medical insurance, endowment insurance and unemployment insurance, but this understanding is just unprofessional and cannot be used as a correct interpretation of "three golds and five insurances" or "five insurances and three golds".
(2) Conventional understanding: The three funds should be: unemployment benefits, pensions and housing provident fund (referred to as provident fund, generally speaking, housing provident fund is only provided by state-owned enterprises and institutions, and generally not by private enterprises).
The five risks are: old-age insurance, unemployment insurance, medical insurance, maternity insurance and work-related injury insurance. The meaning of three insurances is the same as unemployment insurance and endowment insurance. The implication is that three insurances, five insurances and one gold are one thing.
"Five insurances and one fund" refers to endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and 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. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.
legal ground
Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Article 4
Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.
Article 7 The administrative department of social insurance in the State Council is responsible for the management of social insurance throughout the country, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.