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<p>五险一金是指中国大陆地区劳动者所享有的社会保险福利的一种通俗化称呼，其中五险是指包括<strong>养老保险、医疗保险、工伤保险、失业保险、生育保险</strong>在内的五种社会保险，一金是指<strong>住房公积金</strong>，是中国政府为保障职工权利而采取的一项基本措施。五险一金中的<strong>工伤保险与生育保险全部由用人单位缴纳</strong>，其他由用人单位与劳动者共同缴纳的四种也被称为四金。</p>
<p><strong>五险一金受中华人民共和国劳动法保护！</strong></p>
<h3 id="养老保险">养老保险<a aria-hidden="true" tabindex="-1" href="#养老保险" class="internal"> §</a></h3>
<p>基本养老金，也称退休金、退休费，是一种最主要的养老保险待遇；分<strong>社会统筹</strong>和<strong>个人缴纳</strong>两类，由基础养老金、过渡性养老金、调节金和个人账户等部分组成。</p>
<p>职工达到<strong>法定退休年龄（男性 60 周岁，女性 55 周岁）</strong>，个人累计<strong>社保缴费满 15 年</strong>，且工龄（包括缴费年限）满 10 年，可按月领取养老金；达到法定退休年龄时累计缴费不足十五年的，可以补缴费至满十五年。</p>
<h3 id="医疗保险">医疗保险<a aria-hidden="true" tabindex="-1" href="#医疗保险" class="internal"> §</a></h3>
<p>医疗保险待遇，是指用人单位和职工按照一定的费率和费基缴纳医疗保险费，形成医疗保险基金，由基金对参保职工因疾病支付医疗费用所造成的经济损失给予一定的补偿。职工一般可选择在与社会保险经办机构签订医疗保险合同的定点医院就医。</p>
<p>其保险待遇项目主要有：规定范围内的药品费用、规定的检查费用和治疗费用、规定标准的住院费用。其中，医疗保险按统筹管理，分成 2 个帐户，即<strong>统筹帐户</strong>和个人帐户，<strong>职工个人账户用于支付小额医疗费用，社会统筹基金用于支付大额医疗费用。</strong></p>
<h3 id="工伤保险">工伤保险<a aria-hidden="true" tabindex="-1" href="#工伤保险" class="internal"> §</a></h3>
<p><strong>当月参保可选当月生效，次月生效即次月 1 号生效。</strong></p>
<ul>
<li><strong>医疗康复待遇</strong>：医疗康复待遇包括工伤治疗及相关补助待遇，康复性治疗待遇，人工器官、矫形器等辅助器具的安装、配置待遇等等。</li>
<li><strong>停工留薪期待遇</strong>：在停工留薪内，工伤职工原工资福利待遇不变，由所在单位按月支付，生活不能自理的工伤职工在停工留薪期需要护理的，由所在单位负责。</li>
<li><strong>伤残待遇</strong>：工伤职工根据不同的伤残等级，享受一次性伤残补助金、伤残津贴、伤残就业补助金以及生活护理费等待遇。其中既有一次性待遇，也有长期待遇。</li>
<li><strong>工亡待遇</strong>：职工因工死亡，其直系亲属可以领取丧葬补助金、供养亲属抚恤金和一次性工亡补助金。</li>
</ul>
<h3 id="失业保险">失业保险<a aria-hidden="true" tabindex="-1" href="#失业保险" class="internal"> §</a></h3>
<p>失业保险<strong>连续缴纳一年以上</strong>，可以享受失业保险待遇。</p>
<p>失业保险金是指失业保险经办机构按规定支付给符合条件的失业人员的基本生活费用，它是最主要的失业保险待遇。</p>
<h3 id="生育保险">生育保险<a aria-hidden="true" tabindex="-1" href="#生育保险" class="internal"> §</a></h3>
<p>生育保险<strong>连续缴纳一年以上</strong>，可以享受失业保险待遇。</p>
<p>可以报销与生育有关费用。报销范围包括，生育津贴、生育医疗费用、计划生育手术医疗费用、国家和本市规定的其他与生育有关的费用。</p>
<h2 id="六险二金">六险二金<a aria-hidden="true" tabindex="-1" href="#六险二金" class="internal"> §</a></h2>
<p>六险二金是指在五险一金的基础上，增加了意外伤害保险或者大额补充医疗保险和企业年金。</p>
<h3 id="大额补充医疗保险">大额补充医疗保险<a aria-hidden="true" tabindex="-1" href="#大额补充医疗保险" class="internal"> §</a></h3>
<p>大额补充医疗保险是指在居民医保统筹基金之外，参保人按规定缴费，由医保经办机构作为投保人，集体向商业保险公司投保，超过居民医保基金最高支付限额以上的费用，由商业保险公司按规定赔付的医疗费用。</p>
<h3 id="企业年金">企业年金<a aria-hidden="true" tabindex="-1" href="#企业年金" class="internal"> §</a></h3>
<p>企业年金是指企业及其职工在依法参加基本养老保险的基础上，自愿建立的补充养老保险制度，是多层次养老保险体系的组成部分，由国家宏观指导、企业内部决策执行。</p></article></div><div class="right sidebar"><div class="graph "><h3>Graph View</h3><div class="graph-outer"><div id="graph-container" data-cfg="{&quot;drag&quot;:true,&quot;zoom&quot;:true,&quot;depth&quot;:1,&quot;scale&quot;:1.1,&quot;repelForce&quot;:0.5,&quot;centerForce&quot;:0.3,&quot;linkDistance&quot;:30,&quot;fontSize&quot;:0.6,&quot;opacityScale&quot;:1,&quot;showTags&quot;:true,&quot;removeTags&quot;:[]}"></div><svg version="1.1" id="global-graph-icon" xmlns="http://www.w3.org/2000/svg" xmlnsXlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 55 55" fill="currentColor" xmlSpace="preserve"><path d="M49,0c-3.309,0-6,2.691-6,6c0,1.035,0.263,2.009,0.726,2.86l-9.829,9.829C32.542,17.634,30.846,17,29,17
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