Five insurances and one housing fund refer to the social insurance and welfare system enjoyed by employees employed in Chinese mainland. It includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.
So, what are these insurance benefits for? Let's take a closer look.
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1. Endowment insurance
Pension insurance is an important part of the social security system, which provides basic living security for you after retirement. Pension insurance is not only your obligation now, but also your future security. As you get older, your earning power gradually declines, and pension insurance provides you with a stable income**.
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2. Medical insurance
Medicare is a benefit that everyone should enjoy. It can help you reduce the burden of medical bills, so that you don't have to worry about medical expenses when you get sick. Medical insurance can not only reimburse the cost of medicines, ** expenses, but also some special examination costs and surgical expenses.
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3. Unemployment insurance
Unemployment insurance is set up to cover your basic livelihood during the period of unemployment. If you are unemployed for various reasons, you can apply for unemployment insurance and receive a certain amount of living allowance to help you get through the difficult times.
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4. Work-related injury insurance
Work-related injury insurance is designed to ensure that you can receive timely medical treatment and financial compensation if you are injured in an accident while at work. If you are injured at work, workers' compensation insurance will provide you with reimbursement of medical expenses and financial compensation, reducing your financial burden.
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5. Maternity insurance
Maternity insurance is established to protect the rights and interests of female employees during childbirth. It includes reimbursement of maternity medical expenses, wage subsidies during maternity leave, etc. Maternity insurance is not only a care for female employees, but also a support for the growth of the next generation.
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6. Housing Provident Fund
The Housing Provident Fund was established to solve the housing problem of employees. It can be used not only for the purchase of housing, but also for housing-related fields such as home renovation. The Housing Provident Fund can help you reduce the financial pressure of buying a house and renovating, while also providing security for your future housing needs.
In conclusion, the five insurances and one housing fund is an important social security system, which provides you with a series of protection measures during your work. The two types of insurance, basic pension insurance and basic medical insurance, are the most important and have the greatest impact on workers. The basic pension insurance is the guarantee that the worker will receive a pension after retirement, while the basic medical insurance is the benefit that the worker can receive medical protection when he or she is sick or injured. Both types of insurance are designed to cover the basic needs of workers. Work-related injury insurance is to ensure that workers can receive corresponding compensation and medical protection in the event of accidental injuries or occupational diseases in the course of work; Unemployment insurance is designed to help workers maintain their basic livelihood during the period of unemployment; Maternity insurance is designed to cover the medical and maternity expenses of female workers during childbirth; The housing provident fund is to help workers solve the housing problem, and by paying the housing provident fund, workers can get lower loan interest rates and better rental subsidies, so as to better solve the housing problem.
By paying five insurances and one housing fund, you can provide a stable guarantee for your future, reduce your financial burden, and allow you to work and live with more peace of mind. Therefore, everyone should actively pay five insurances and one housing fund to protect the future of themselves and their families. "Five insurances and one housing fund" is a very important guarantee for workers, which can provide them with a full range of protection and welfare. Therefore, workers should understand their rights and benefits, and actively protect their legitimate rights and interests.
What is the use of five insurances and one housing fund?