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20 19 Hainan labor dispatch includes three insurances and one gold or five insurances and one gold.
Because the sentence used in the topic is too simple, I don't know which party put it forward (employer or labor dispatch unit). According to the national labor laws and regulations, labor dispatch is equal pay for equal work, and the dispatching company does not advance the wages and social security fees of the dispatched employees for the employing units. Among them, endowment insurance, medical insurance and unemployment insurance, referred to as "three insurances", are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. "Five risks" are legal, but "one gold" is illegal.

This simple statement is not standardized, and it is also prone to ambiguity. Regarding the payment of these three insurances and one gold or five insurances and one gold in the formulation, I think it is better to find the parties to the contract first and see how they explain it.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.