What are three insurances and one gold？

In today’s society, "three insurances and one gold" is a concept that is often mentioned, but not everyone has a clear and accurate understanding of it.

First of all, let’s learn more about the specific composition of "three insurances and one gold". "Three insurances" usually refer to endowment insurance, medical insurance and unemployment insurance.

Endowment insurance is to protect the basic needs of employees after retirement. During the working period, employees and employers pay endowment insurance fees according to a certain proportion, and when they reach the legal retirement age, they can receive a monthly pension, providing a stable source of income for their later life.

Medical insurance is used to pay the medical expenses of employees when they are sick or injured. It can reduce the medical burden, so that people can get timely and effective treatment in the face of diseases, and will not delay their illness because of cost problems.

Unemployment insurance is to provide material help for those workers who have stopped their employment because of their own will for a certain period of time, to help them maintain their basic livelihood during unemployment and to promote their re-employment.

And "one gold" refers to the housing provident fund. This is a housing security system, which is jointly paid by employees and units for employees to purchase, build, renovate and overhaul their own houses.

Next, compare some key information of "three insurances and one gold" more intuitively through a table:

It should be noted that the payment ratio of "three insurances and one gold" may be different due to the adjustment of regions, industries and policies. At the same time, "three insurances and one gold" are of great significance to individual workers and the whole society. For individuals, it is a guarantee, which can provide economic support at critical moments and reduce the pressure of life; For society, it is helpful to stabilize social order and promote the healthy development of economy.

In the process of job hunting, it is very important to know whether the employer pays "three insurances and one gold" for employees according to law. This is not only related to the vital interests of individuals, but also one of the important standards to measure whether an enterprise is standardized and responsible.

In a word, "three insurances and one fund" is an important part of workers’ rights and interests, and everyone should fully understand and pay attention to it to protect their legitimate rights and interests and their future quality of life.

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