Originally, we always said five insurances and one housing fund, and later there was a saying, called five insurances and two golds, and then there were six insurances and two golds. What exactly do they include?
The so-called six insurances and two housing funds are a kind of welfare system for employees of enterprises and institutions.
The original five insurances and one housing fund include: endowment insurance, unemployment insurance, medical insurance, serious illness medical insurance, and work-related injury insurance. One gold: it is the housing provident fund.
Due to the fact that in the implementation process of various enterprises and institutions, some are relatively strict, some are not strong enough, or some units simply shirk and do not implement, resulting in the implementation of the five insurances and one housing fund, which is very different.
One of the first units I worked for was a standard state-owned chemical enterprise, established in 1958 of the last century, and by the eighties and nineties there were more than 2,000 people in the unit.
At first, I went into the factory and worked as a workshop worker, a cooper, a painter. Six years later, there was a shortage of people in the Propaganda Department of the Party Committee of the enterprise, and I was transferred to the Propaganda Department as a propaganda officer.
In 1998, the company was restructured from a state-owned enterprise to a joint-stock company, and after 16 years of work, I resolutely chose to buy out my seniority and resigned.
After ten years in society, in 2007, I saw that I was getting older and felt that I had to find a place to retire, so I joined a state-owned enterprise and a local urban investment company through connections.
After joining the company, the company first trained us for a few months. In the training, the company made it clear that the company insures employees with six insurances and one housing fund.
These six insurances are based on the original five insurances to add a maternity insurance, and one housing fund is the housing provident fund.
This company operates many projects, mainly municipal engineering projects, real estate, highways, heating companies, etc. The company strictly implements various national laws and regulations, therefore, I know what is called six insurances and one housing fund.
In 2019, in accordance with national regulations, the company added another insurance project to employees: enterprise annuity.
Therefore, to be precise, as long as you are in an enterprise or institution that strictly abides by the provisions of the national labor law, you will enjoy six insurances and two housing funds.
The specific items of these six insurances are: endowment insurance, unemployment insurance, medical insurance, large medical insurance, work-related injury insurance, and maternity insurance, a total of six insurance items. For the first five types of insurance, you will pay a part by yourself, and enterprises and institutions will pay a part for you; The second gold refers to the housing provident fund and the enterprise annuity.
Pension insurance, which is one of the most important insurance items for professional workers, can ensure that you have no worries about food and clothing in your later years after retirement, and have your own fixed income every month.
Unemployment insurance is to ensure that a professional worker is unemployed due to enterprise reasons or personal reasons during the working period, and the insurance company will guarantee a part of your living security for a certain period of time.
Medical insurance is a kind of protection to ensure that a professional worker is sick during work, whether you see a doctor or are hospitalized due to illness, the insurance company will reimburse you according to a certain percentage of the expenses.
Large medical insurance, is a supplement and improvement of the previous medical insurance, and the previous medical insurance situation is similar, the difference is that after the professional worker suffers from a medical-related department and a serious illness recognized by the society (such as cancer, etc.), the insurance company will pay you a relatively large expense.
I don't know how the state stipulates work-related injury insurance, but according to the regulations of my original company, work-related injury insurance is responsible for two aspects. One aspect is the injuries that occur while you are at work. On the other hand, you get injured on your commute to work.
Maternity insurance is an insurance item paid in full by enterprises and institutions for professional workers. Female employees of appropriate age shall be paid by the insurance company during the rest period when they give birth to a child. As for male workers or older female workers, it may not have any practical significance. But regardless of whether it is of practical significance or not, formal enterprises and institutions will pay to each employee.
Now let's talk about the provident fund and the enterprise annuity, if you have not used the provident fund during your employment, you can withdraw your housing provident fund from the local real estate bureau in a lump sum when you go through the retirement procedures. For those of us who are ordinary people, this is also a lot of extra income. As for the enterprise annuity, when I retired, the unit was handling it, and I didn't catch up for a month, so I didn't know much about the situation, but I heard that for workers, the enterprise annuity is better than the housing provident fund, and it is more cost-effective.
Of course, the above situation is a summary of my work experience in the past few decades, which is a personal opinion and may not be correct. If there are deficiencies or biases, I hope that friends will supplement them.