問(wen) 最近公(gong)司給上保險和公(gong)積金，之前不了解這些東西，公(gong)司和個(ge)人繳納保險時該承擔什么(me)樣的比例？

答 住房公積(ji)金(jin)：具(ju)體單(dan)(dan)位(wei)和(he)(he)個(ge)人(ren)(ren)承(cheng)(cheng)(cheng)擔(dan)(dan)的(de)(de)比(bi)例是(shi)各(ge)不(bu)相同(tong)，是(shi)按照個(ge)人(ren)(ren)上(shang)年度平均工(gong)(gong)(gong)(gong)資(zi)做基數按一定比(bi)例計算的(de)(de)。住房公積(ji)金(jin)不(bu)低于工(gong)(gong)(gong)(gong)資(zi)的(de)(de)10%，效益好(hao)的(de)(de)單(dan)(dan)位(wei)可以(yi)高些(xie)，職(zhi)工(gong)(gong)(gong)(gong)和(he)(he)單(dan)(dan)位(wei)各(ge)承(cheng)(cheng)(cheng)擔(dan)(dan)50%。 五險(xian)：按照職(zhi)工(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)資(zi)，單(dan)(dan)位(wei)和(he)(he)個(ge)人(ren)(ren)的(de)(de)承(cheng)(cheng)(cheng)擔(dan)(dan)比(bi)例一般是(shi)：養老(lao)保(bao)險(xian)單(dan)(dan)位(wei)承(cheng)(cheng)(cheng)擔(dan)(dan)20%，個(ge)人(ren)(ren)承(cheng)(cheng)(cheng)擔(dan)(dan)8%；醫療保(bao)險(xian)單(dan)(dan)位(wei)承(cheng)(cheng)(cheng)擔(dan)(dan)9%外加10元錢的(de)(de)大(da)病統籌，個(ge)人(ren)(ren)2%；失業保(bao)險(xian)單(dan)(dan)位(wei)承(cheng)(cheng)(cheng)擔(dan)(dan)2%，個(ge)人(ren)(ren)1%；生育保(bao)險(xian)0.8%全由單(dan)(dan)位(wei)承(cheng)(cheng)(cheng)擔(dan)(dan)；工(gong)(gong)(gong)(gong)傷保(bao)險(xian)0.5~1.6%也是(shi)全由單(dan)(dan)位(wei)承(cheng)(cheng)(cheng)擔(dan)(dan)，職(zhi)工(gong)(gong)(gong)(gong)個(ge)人(ren)(ren)不(bu)承(cheng)(cheng)(cheng)擔(dan)(dan)生育和(he)(he)工(gong)(gong)(gong)(gong)傷保(bao)險(xian)。