問(wen) 最近公(gong)司給(gei)上(shang)保險(xian)和公(gong)積金，之前不了解這(zhe)些東西，公(gong)司和個人繳納(na)保險(xian)時(shi)該承擔什么樣的比例？

答 住房公(gong)積金(jin)：具體單(dan)位(wei)和(he)個(ge)(ge)人承擔(dan)(dan)的(de)比(bi)例是(shi)(shi)各不(bu)相同，是(shi)(shi)按照個(ge)(ge)人上年度平均工(gong)(gong)(gong)資做基(ji)數按一定比(bi)例計算的(de)。住房公(gong)積金(jin)不(bu)低于工(gong)(gong)(gong)資的(de)10%，效益(yi)好的(de)單(dan)位(wei)可以高些，職(zhi)工(gong)(gong)(gong)和(he)單(dan)位(wei)各承擔(dan)(dan)50%。 五險(xian)(xian)(xian)：按照職(zhi)工(gong)(gong)(gong)工(gong)(gong)(gong)資，單(dan)位(wei)和(he)個(ge)(ge)人的(de)承擔(dan)(dan)比(bi)例一般是(shi)(shi)：養(yang)老保(bao)(bao)險(xian)(xian)(xian)單(dan)位(wei)承擔(dan)(dan)20%，個(ge)(ge)人承擔(dan)(dan)8%；醫療保(bao)(bao)險(xian)(xian)(xian)單(dan)位(wei)承擔(dan)(dan)9%外加(jia)10元(yuan)錢(qian)的(de)大(da)病統籌，個(ge)(ge)人2%；失業保(bao)(bao)險(xian)(xian)(xian)單(dan)位(wei)承擔(dan)(dan)2%，個(ge)(ge)人1%；生育(yu)(yu)保(bao)(bao)險(xian)(xian)(xian)0.8%全由單(dan)位(wei)承擔(dan)(dan)；工(gong)(gong)(gong)傷(shang)保(bao)(bao)險(xian)(xian)(xian)0.5~1.6%也(ye)是(shi)(shi)全由單(dan)位(wei)承擔(dan)(dan)，職(zhi)工(gong)(gong)(gong)個(ge)(ge)人不(bu)承擔(dan)(dan)生育(yu)(yu)和(he)工(gong)(gong)(gong)傷(shang)保(bao)(bao)險(xian)(xian)(xian)。