What does three insurances and one gold include？ How does it protect the welfare of employees？

2025年10月8日 | admin | D4

"Three insurances and one fund": an important guarantee for employee welfare

In today’s workplace environment, "three insurances and one fund" is a widely mentioned concept, which plays a vital role in the welfare protection of employees. So, what exactly does "three insurances and one gold" include?

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

Endowment insurance is to ensure that employees can have a stable source of income and maintain a basic standard of living after retirement. When employees reach the statutory retirement age and meet the requirements of a certain payment period, they can receive a monthly pension.

Medical insurance is used to pay the medical expenses of employees when they are sick or injured, thus reducing the medical burden. It covers expenses reimbursement for outpatient service, hospitalization, medicines and other aspects.

The purpose of unemployment insurance is to provide unemployed workers with living security for a certain period of time, help them maintain their basic livelihood during unemployment and promote re-employment.

"One gold" refers to the housing accumulation fund. Housing provident fund is a long-term housing deposit paid by the unit and its employees, and employees can use it in housing-related aspects such as buying houses, building houses and renting houses.

Next, we use a table to understand the relevant situation of "three insurances and one gold" more clearly:

project function Payment proportion (unit/individual) endowment insurance Guarantee retirement life Generally, the unit is 16% and the individual is 8%. medical insurance Pay medical expenses Generally, the unit is 8% and the individual is 2% unemployment insurance Provide unemployment protection Generally, the unit is 0.5% and the individual is 0.5%. housing accumulation fund Housing-related support Units and individuals pay the same proportion, generally between 5% and 12%.

How does "three insurances and one gold" protect the welfare of employees?

From an economic point of view, it provides financial support for employees under certain circumstances. For example, when sick, medical insurance can reduce the pressure of huge medical expenses; When unemployed, unemployment insurance can provide certain living expenses and help tide over the difficulties.

In terms of social stability, "three insurances and one fund" helps to enhance employees’ sense of security and belonging, improve work enthusiasm and efficiency, and promote the stable development of enterprises.

For personal long-term planning, endowment insurance provides employees with financial support after retirement, while housing accumulation fund provides strong support for solving housing problems.

In a word, "three insurances and one gold" is an indispensable part of the employee welfare system, which is of great significance for ensuring the quality of life of employees and promoting social harmony and stability.

(Editor in charge: difference extension)

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