Legal analysis: The five insurances and one gold paid by teachers include endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Among them, individuals participate in paying insurance, such as pension, medical care, unemployment insurance and other social security projects, as well as provident fund. The contribution ratio of teachers' five insurances and one gold is as follows: 1, the contribution ratio of pension insurance units: 2 1%, and the contribution ratio of people: 8%; 2. Payment ratio of medical insurance units: 1 1% people: 2%+3 yuan; 3. Unemployment insurance unit payment ratio: 1% people: 0.2%; 4. Payment ratio of maternity insurance units: 1% people do not bear the payment; 5. Payment ratio of work-related injury insurance units: 0.5% of people do not bear the payment. 6. Provident fund: both units and individuals are 65438+ 02% of salary. Generally speaking, public teachers belong to the official career establishment of the state, and belong to fully funded educational units, so they do not need to pay endowment insurance, so they only have four insurances and one gold; Teachers in private schools are contracted and need to pay five insurances and one gold.

Legal basis: Article 72 of People's Republic of China (PRC) Labor Law determines the source of social insurance funds according to the types of insurance, and gradually implements social overall planning. Employers and workers must participate in social insurance and pay social insurance premiums according to law.