The payment ratio of five insurances and one gold is as follows:

(1) Old-age insurance: 20% for the unit and 8% for the individual (those paid by themselves will be credited to the individual account);

(2) Medical insurance: unit 10%, individual 2% (paid by individual into personal account);

(3) Unemployment insurance: unit 1.5%, individual 0.2%;

(4) Work-related injury insurance: 0.5-2% for the unit, and no payment for the individual;

(5) Maternity insurance: the unit is 0.8%, and the individual does not pay.

Individuals need to bear all the expenses when paying insurance.

Steps for the company to pay social security for employees:

1, open an account. Enterprises need to open accounts for social security and provident fund at the Social Security Bureau and the Provident Fund Center within 30 days from the date of establishment. After opening a social security account, obtain a social security registration certificate, and after opening a provident fund account, obtain a unit provident fund registration number;

2. Increase personnel. The company will add new employees to the company's five insurance and one gold account every month;

3. Confirm the payment base. The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is based on the average salary of employees in the previous year or the salary in the first month of employment;

4. Pay the fee. Enterprises, banks, provident fund management institutions signed a bank payment agreement, fixed time every month directly deducted from the enterprise bank account five insurance and one gold fee. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.

Legal basis: Article 4 of People's Republic of China (PRC) Social Insurance Law.

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.