問 最近公司給上保險和(he)公積金，之(zhi)前不(bu)了解(jie)這(zhe)些(xie)東西，公司和(he)個人繳納保險時(shi)該(gai)承擔什么樣的比例？

答 住(zhu)房公積金(jin)：具體單(dan)位(wei)和個(ge)(ge)(ge)(ge)人(ren)(ren)承(cheng)擔(dan)(dan)的(de)比例(li)是(shi)各(ge)不相同，是(shi)按(an)照個(ge)(ge)(ge)(ge)人(ren)(ren)上年(nian)度(du)平均工(gong)資(zi)做基數按(an)一(yi)定(ding)比例(li)計算的(de)。住(zhu)房公積金(jin)不低(di)于(yu)工(gong)資(zi)的(de)10%，效益好的(de)單(dan)位(wei)可以高些(xie)，職(zhi)(zhi)工(gong)和單(dan)位(wei)各(ge)承(cheng)擔(dan)(dan)50%。 五險(xian)：按(an)照職(zhi)(zhi)工(gong)工(gong)資(zi)，單(dan)位(wei)和個(ge)(ge)(ge)(ge)人(ren)(ren)的(de)承(cheng)擔(dan)(dan)比例(li)一(yi)般是(shi)：養老保(bao)(bao)(bao)險(xian)單(dan)位(wei)承(cheng)擔(dan)(dan)20%，個(ge)(ge)(ge)(ge)人(ren)(ren)承(cheng)擔(dan)(dan)8%；醫療保(bao)(bao)(bao)險(xian)單(dan)位(wei)承(cheng)擔(dan)(dan)9%外加(jia)10元錢(qian)的(de)大病統籌，個(ge)(ge)(ge)(ge)人(ren)(ren)2%；失業保(bao)(bao)(bao)險(xian)單(dan)位(wei)承(cheng)擔(dan)(dan)2%，個(ge)(ge)(ge)(ge)人(ren)(ren)1%；生育(yu)保(bao)(bao)(bao)險(xian)0.8%全由(you)單(dan)位(wei)承(cheng)擔(dan)(dan)；工(gong)傷保(bao)(bao)(bao)險(xian)0.5~1.6%也是(shi)全由(you)單(dan)位(wei)承(cheng)擔(dan)(dan)，職(zhi)(zhi)工(gong)個(ge)(ge)(ge)(ge)人(ren)(ren)不承(cheng)擔(dan)(dan)生育(yu)和工(gong)傷保(bao)(bao)(bao)險(xian)。