Can I pay two copies of medical insurance, one local and one off-site?

After the national social security network, social security can not pay two copies. After paying medical insurance in different places, there is no need to pay medical insurance repeatedly in the local area. If you pay medical insurance at work, you don't have to pay rural medical insurance.

Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. It is undertaken by the government and implemented and managed by economic, administrative and legal means. Social medical insurance consists of basic medical insurance and large medical assistance, enterprise supplementary medical insurance and individual supplementary medical insurance. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

Cross-regional employment can merge the old-age insurance and medical insurance of the original insured place into different places, as follows:

1. You need to set up accounts in different places before you can transfer them out;

2. If you are sure that you will definitely not return to the original insured place for transfer, some areas will stipulate that you cannot re-participate in the local insurance after the transfer;

3. Some areas can't be transferred out after transfer. If it is necessary to determine in advance whether to go through retirement procedures at the transfer place;

4. Retirement principle: when reaching retirement age, the accumulated endowment insurance is enough for 15 years, of which 10 years is paid in one area, and retirement procedures can be handled locally.

If you only work in different places and do not involve the transfer of social security, you can open social security accounts in different places to pay social security. Finally, it can be merged into a city according to the principle of retirement.

Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.

legal ground

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

Article 25 The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.