What does three insurances and one gold include？

2025年10月27日 | admin | sjvkdjfl

"Three insurances and one gold": an important cornerstone to protect your life.

In today’s society, "three insurances and one gold" is an important topic that the majority of workers pay attention to. So, what exactly does "three insurances and one gold" include? Let’s find out.

First of all, "three insurances" refer to endowment insurance, medical insurance and unemployment insurance.

Endowment insurance is to ensure that workers can have a stable source of income and maintain a basic standard of living after retirement. It is jointly paid by the employer and employees, and the accumulated payment reaches a certain number of years, and the pension can be received monthly after retirement.

Medical insurance is used to reduce the burden of medical expenses for workers when they are sick or injured. This includes outpatient expenses, hospitalization expenses, drug expenses, etc. Through medical insurance, people can avoid poverty caused by illness to some extent.

Unemployment insurance is to provide economic compensation and employment assistance for a certain period of time when workers stop employment because of their own will, so as to help them get through unemployment and find jobs again.

Next, "one gold" refers to the housing provident fund.

Housing accumulation fund is a long-term housing deposit paid by the unit and its employees. It has the following important functions:

1. Purchase: Employees can use housing provident fund loans to purchase houses and enjoy lower loan interest rates.

2. Renting: If the conditions are met, you can withdraw the housing accumulation fund to pay the rent.

3. House decoration: In some areas, housing accumulation fund is allowed to be withdrawn for house decoration.

4. Retirement withdrawal: When employees retire, they can withdraw all the balance in the housing provident fund account at one time.

Below is a table to show the relevant information of "three insurances and one gold" more clearly:

project Payer Main function endowment insurance Employers and employees jointly pay. Guarantee life after retirement. medical insurance Employers and employees jointly pay. Reduce the burden of medical expenses unemployment insurance Employers and employees jointly pay. Provide economic compensation and employment assistance during unemployment. housing accumulation fund Unit and its employees deposit. Used for housing-related expenses such as house purchase, renting and decoration.

It should be noted that the specific policies and payment ratio of "three insurances and one fund" may vary from region to region and from unit to unit. Workers should pay attention to the relevant regulations of their own regions and units to ensure that their legitimate rights and interests are protected.

In a word, "three insurances and one gold" is an important welfare enjoyed by workers at work, which plays a vital role in ensuring personal life, health and housing needs.

(Editor in charge: difference extension)

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