Can I pay for one of the five insurances separately?

Can I pay for one of the five insurances separately? There are the following situations.

1, paid by unit. The five insurances paid by the unit cannot be paid only one, but must be paid at the same time. As long as you have a labor relationship with the employer, the employer must pay the five insurances for you within 30 days from the date of employment. It is illegal to pay less or not.

2. Personal payment. If you pay social security yourself, you can only pay old-age insurance and medical insurance at the place where you register. Policies vary from place to place. In some places, endowment insurance or medical insurance can be paid separately, but in some places, medical insurance and endowment insurance are bundled.

Five insurances include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. "Five insurances" are legal, including old-age insurance, medical insurance and unemployment insurance. These three insurances are paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay.

1。 Social endowment insurance

Establish a social insurance system to solve the basic life of workers after they reach the working age limit stipulated by the state, terminate their labor obligations or quit their jobs because of old age.

2。 medical insurance

It is an insurance to compensate the medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth.

3。 unemployment insurance

It refers to the system enforced by the state through legislation, and the society sets up a fund to provide material help to workers who have temporarily interrupted their livelihood due to unemployment.

4。 employment injury insurance

It refers to a social insurance system in which workers or their survivors suffer from accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent incapacity to work and death, and the state and society provide material assistance.

5。 maternity insurance

It is a social insurance system that the state and society provide timely living security and material assistance to working women who temporarily stop working because of childbirth.

Five insurances and one gold are:

1, old-age insurance is for providing for the elderly, and workers can receive pensions when they reach the legal retirement age;

2. Medical insurance is used for medical reimbursement when employees are sick;

3. Unemployment insurance means that employees receive living expenses after unemployment;

4. Maternity insurance is a maternity reimbursement and related treatment for employees when they give birth;

5. Work-related injury insurance refers to the payment of medical expenses or compensation for work-related injuries for employees who have suffered work-related injuries;

6. Housing accumulation fund is a housing reform. Enterprises and employees each pay a certain amount of housing provident fund, and those who meet the extraction conditions can be withdrawn, and the purchase of commercial housing can also enjoy lower housing loan interest and reduce the burden.

The proportions of the five risks are as follows:

(1) endowment insurance, unit 2 1%, individual 8%;

(2) Medical insurance, unit 9%, individual 2%+3 yuan;

(3) Unemployment insurance, unit 2%, individual1%;

(4) industrial injury insurance, pay 0. 5%;

(5) Maternity insurance, pay 1%.

To sum up, it is Bian Xiao's relevant answer about whether one of the five insurances can be paid separately. I hope it will help you.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.