問 最近公司給上保(bao)險(xian)和(he)(he)公積金，之前不了解(jie)這(zhe)些東西，公司和(he)(he)個人繳(jiao)納保(bao)險(xian)時該承擔什么樣(yang)的比例？

答 住房公(gong)積金：具體單(dan)位和(he)個(ge)人(ren)承(cheng)(cheng)擔(dan)(dan)的(de)比例是(shi)各不相(xiang)同，是(shi)按照個(ge)人(ren)上年度平均工資(zi)做基數按一定(ding)比例計算的(de)。住房公(gong)積金不低(di)于工資(zi)的(de)10%，效(xiao)益好的(de)單(dan)位可以高些(xie)，職(zhi)工和(he)單(dan)位各承(cheng)(cheng)擔(dan)(dan)50%。 五險(xian)：按照職(zhi)工工資(zi)，單(dan)位和(he)個(ge)人(ren)的(de)承(cheng)(cheng)擔(dan)(dan)比例一般是(shi)：養老(lao)保(bao)險(xian)單(dan)位承(cheng)(cheng)擔(dan)(dan)20%，個(ge)人(ren)承(cheng)(cheng)擔(dan)(dan)8%；醫療保(bao)險(xian)單(dan)位承(cheng)(cheng)擔(dan)(dan)9%外加10元(yuan)錢(qian)的(de)大(da)病統籌，個(ge)人(ren)2%；失業保(bao)險(xian)單(dan)位承(cheng)(cheng)擔(dan)(dan)2%，個(ge)人(ren)1%；生(sheng)育保(bao)險(xian)0.8%全由(you)單(dan)位承(cheng)(cheng)擔(dan)(dan)；工傷保(bao)險(xian)0.5~1.6%也是(shi)全由(you)單(dan)位承(cheng)(cheng)擔(dan)(dan)，職(zhi)工個(ge)人(ren)不承(cheng)(cheng)擔(dan)(dan)生(sheng)育和(he)工傷保(bao)險(xian)。