labor gross and net wages

Hi john sir, hope u r fine.
sir we deduct N.I.C and contribution to pension scheme from gross wages to reach at net wage. my question is that,, contribution to pension scheme is the state contribution or private? Secondly can we deduct organization’s own insurance contributions if anly? like if company get the employee’s accidental insurance and half of the premium is paid by worker and half by employer, ..Then,. Accidental insurance will be deducted in calculation of net wages?
Please guide me