How to pay three insurances and one gold？ What are the rules for the payment ratio？

2025年9月14日 | admin | A1

Three insurances and one fund include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund, which are closely related to people’s lives, life security after retirement, reimbursement of medical expenses and satisfaction of housing demand. The following will introduce in detail the payment method and payment ratio of three insurances and one gold.

There are two main ways to pay three insurances and one gold: unit payment and individual payment. For on-the-job employees, three insurances and one gold are usually withheld and remitted by their units. Before the monthly salary is paid, the unit will deduct the personal contribution from the employee’s salary according to the regulations, and at the same time, the unit will also bear the corresponding contribution share and pay the money to the relevant departments in a unified manner. Taking employees of enterprises as an example, enterprises will transfer the three insurances and one gold fees payable by employees and enterprises to the accounts designated by social security agencies and housing provident fund management centers at a fixed time every month by means of bank transfer.

Flexible employees without fixed units, such as individual industrial and commercial households and freelancers, can also pay three insurances and one gold by themselves. They need to go to the local social security agency and the housing provident fund management center to apply for insurance and open an account. When handling, you need to bring your ID card, household registration book and other relevant information, fill in the application form, and choose the payment grade that suits you. Payment methods can be selected from bank withholding and online payment. For example, in some areas, it is convenient and fast to allow flexible employees to pay fees through mobile APP.

Regarding the proportion of payment, there are certain differences in different regions. The following are the approximate proportions in general:

Insurance/provident fund Unit contribution ratio Individual contribution ratio endowment insurance Generally 16%-20% 8% medical insurance 6% – 10% About 2% unemployment insurance 0.5% – 2% 0.2% – 1% housing accumulation fund 5% – 12% 5% – 12%

For example, in a certain area, the pension insurance unit pays 16% and the individual pays 8%; Medical insurance units pay 8% and individuals pay 2%; Unemployment insurance units pay 0.7% and individuals pay 0.3%; The proportion of housing provident fund units and individuals is 8%. Assuming that the employee’s monthly salary is 5,000 yuan, then the employee pays 400 yuan (5,000× 8%) and 800 yuan (5,000× 16%) for the monthly pension insurance; Medical insurance individuals pay 100 yuan (5000×2%) and units pay 400 yuan (5000× 8%); Unemployment insurance individuals pay 15 yuan (5000×0.3%) and units pay 35 yuan (5000 × 0.7%); 400 yuan (5000×8%) shall be paid by individuals and units for housing provident fund.

It should be noted that all localities will adjust the payment ratio according to local economic development level, average social wage and other factors. Therefore, when paying three insurances and one gold, it is suggested to pay attention to the changes of local policies in time, or call the local social security hotline 12333 and the housing provident fund hotline 12329 for consultation to ensure accurate payment.

(Editor: Wang Zhiqiang HF013)

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