You Must Know The Details Of "Five Risks And One Gold".

Although he has worked for four years, Wang Juan is still not sure what he has done for his five risks and one gold.

She only knows how much wages she gets every month, but she cares little about the deductions.

She even said that five risks are five kinds of medical insurance, pension insurance, unemployment insurance, industrial injury insurance and maternity insurance.

"Right now.

Beijing bank 10.22-0.49-4.58% is deducted according to the more than 3000 wage per month. "

She said.

The so-called five risks one gold seems to be very far away from Wang Juan, "did not feel that it has much effect."

She works in Beijing, but her account is still in her hometown in Northeast China, so birth insurance is not available.

In accordance with past policies, birth insurance is only for local residents.

The probability of work-related injuries is too small.

She has not experienced unemployment.

Endowment insurance is too long to enjoy the benefits, only medical insurance can be implicated in life.

"But medical insurance is rarely available.

We are over 1800 yuan in order to reimburse, but I have never used this number. "

The reimbursement of medical insurance has a base number, which can be reimbursed if the base number is exceeded.

For example, if Wang Juan spent 2500 yuan on the hospital outpatient expenses in a certain year, she would be able to reimburse a portion of 2500 yuan at a certain rate minus 1800 yuan.

This benefit is more effective for hospitalization and for serious illness.

The basic medical insurance pays 2% of the wage base, and the unit pays 9.8% of the wage base, and the 0.8% part of it enters the personal account.

So there is a card or a passbook for medical insurance.

Beijing is usually a passbook of Beijing bank, which can be used for consumption in hospitals or designated drugstores, and can also be used for extraction.

Wang Juan can extract more than one thousand yuan from this account every year, which is her most direct contact with five risks and one gold.

Even if you quit, the money in the medical account can still be taken away and continued to be used.

But health insurance interruption for more than three months is invalid.

Later, it can only be handed in according to the new insured.

Many people have already found jobs when job hopping, so they are mostly unemployed.

If you do not find a good job, then you can apply for unemployment insurance to the unit when leaving.

After a year of social security, you can apply for two months of unemployment. Two years can apply for four months.

But this does not include people who resigned voluntarily.

Unemployment insurance pays 0.5% of the wage base and 1.5% of the unit's salary.

Five risks and one gold together, Wang Juan each month to pay 1000 yuan, of which less than 400 yuan.

Provident fund is generally 50% for individuals and 50% for units. Wang Juan's provident fund has about 800 yuan a month. "This is still too little for housing loans."

Provident fund has a card, the monthly deduction of their wages and the unit will pay the money will eventually enter this card.

Carrie's money can rent, buy a house, decorate.

Wang Juan has already bought a house in Beijing, but it is a commercial loan, not a provident fund loan. "Each person can apply for a certain amount of loan in accordance with the provident fund per month.

But my provident fund is too small, the loan that can apply for is not enough to buy a house.