Five insurances and one gold refer to several kinds of security benefits provided by employers, including basic old-age insurance, basic medical insurance, unemployment insurance, industrial 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" project, which is legally necessary, and payment also shows that it is 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", the basic 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.
Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in basic medical insurance can enjoy maternity insurance benefits.
five social insurance and one housing fund
Five insurances and one gold refer to several kinds of security benefits provided by employers, including basic old-age insurance, basic medical insurance, unemployment insurance, industrial 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" project, which is legally necessary, and payment also shows that it is 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", the basic 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. Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in basic medical insurance can enjoy maternity insurance benefits.
Excluding deductible insurance
Excluding deductible insurance refers to an additional risk of commercial insurance (car damage insurance or three liability insurance). Deductible insurance, as an additional insurance, needs to be insured on the premise of "main insurance" and cannot be insured separately. Its insurance liability usually refers to "the part of the deductible that should be borne by the insured according to the deductible rate stipulated in the corresponding main insurance clause after the accident, and the insurance company will be responsible for compensation within the liability limit". Generally speaking, if you take out this insurance, you can transfer 5% to 20% of your responsibilities to the insurance company.
Insurance policy loan
Policy loan is a loan obtained from an insurance company with the cash value of life insurance policy as the guarantee. The one-time loanable amount of such loans depends on the effective year of the policy; The age of the insured and the amount of compensation for death when the policy is issued.
Cash value of insurance policy
The cash value of a policy refers to the value of a life insurance policy with the nature of savings. Insurance companies usually deposit liability reserve to fulfill their contractual obligations. If they surrender midway, the liability reserve of the policy will be used as a refund for compensation and termination. The amount that the life insurance company should refund when the insured requests to cancel the contract or surrender.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 58 of People's Republic of China (PRC) Social Insurance Law
The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.