How to pay three insurances and one gold correctly？ What is the use method of three insurances and one gold？

Three insurances and one gold play a vital role in people’s life security. Correct payment and rational use of three insurances and one gold will enable us to enjoy the rights and protection we deserve. Here is a detailed introduction to the payment and use of three insurances and one gold.

Three insurances and one gold mainly include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund. In terms of payment, we must first clarify the payment base. The payment base is generally determined according to the average monthly salary of employees in the previous year, but it shall not be lower than the local minimum payment base or higher than the maximum payment base. For example, the minimum payment base in a certain area is 3,000 yuan, and the maximum is 20,000 yuan. If the average salary of employees in the previous year is 2,500 yuan, 3,000 yuan will be used as the payment base; If the average monthly salary is 25,000 yuan, 20,000 yuan will be used as the payment base.

The proportion of payment is also a key factor in the payment process. The contribution ratio may be different in different regions, and the following is a rough proportion range:

Take the old-age insurance as an example. If the employee’s contribution base is 5,000 yuan, the unit’s contribution ratio is 16%, and the individual’s contribution ratio is 8%, then the unit needs to pay 5,000× 16% = 800 yuan, and the individual needs to pay 5,000× 8% = 400 yuan. The payment method is generally withheld and remitted by the unit, and the unit will deduct the part that the individual should pay from the employee’s salary every month, and pay it to the relevant departments together with the part that the unit should pay.

Let’s take a look at the use of three insurances and one gold. Endowment insurance is to protect our basic life after retirement. Generally speaking, you can receive a monthly pension after you have paid for 15 years and reached the statutory retirement age. The calculation of pension is more complicated, which is related to factors such as payment period and payment base.

Medical insurance is mainly used for medical treatment. After paying medical insurance, we will have a medical insurance card, which can be used to pay for medical treatment and medicine purchase in designated medical institutions. Among them, the money in the personal account can be used to pay for outpatient expenses, pharmacy purchases, etc. The overall account is used to pay for hospitalization expenses. When the hospitalization expenses exceed a certain deductible, they will be reimbursed according to the prescribed reimbursement ratio. For example, the deductible for hospitalization in a certain area is 1000 yuan, and the reimbursement rate is 80%. If the hospitalization expenses are 5,000 yuan, it can be reimbursed (5,000-1,000 yuan) × 80% = 3,200 yuan.

Unemployment insurance is to provide certain living security when we are unemployed. Eligible unemployed people can apply for unemployment insurance after unemployment. The conditions include that the employer and I have fulfilled the payment obligation for one year in accordance with the regulations, and the employment has been interrupted because of my will. The period and amount of receiving unemployment insurance benefits are determined according to factors such as the payment period.

Housing provident fund has a wide range of applications. It can be used to buy a house, whether it is a loan to buy a house or a provident fund to pay the down payment. If you use provident fund loans to buy a house, the loan interest rate is relatively low, which can save a lot of interest expenses. In addition, it can also be used to build, rebuild, overhaul self-occupied housing, and pay rent.

In a word, knowing how to pay and use the three insurances and one gold will enable us to plan our life better and fully enjoy the due protection and welfare.

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