In Beijing, how do individuals pay the three insurances?

Beijing medical insurance can be repaid, depending on the situation. Please refer to the following.

1. Not from Beijing

Except for the reason of "the unit has not paid", the insured person cannot pay social security, and after the interruption, he cannot entrust an institution to pay social security fees in his own name.

Second, Beijing urban hukou.

The insured can be paid by the individual on behalf of the local municipal talent service center or employment service center within 3 months after the termination of the insurance. Social security can only be paid between June 1992, June 10 and July 20 1 1. Social security will not be paid after July 20 1 1. Even if the insurance is terminated for more than 3 months, even if it is transferred to a talent or employment agency, the medical insurance will have a medical observation period of 6 months, and the medical insurance will not be enjoyed during the 6-month payment period; However, if you transfer to the unit and continue to pay, there will be no medical observation period.

After paying the premium, it is somewhat different from those who pay continuously. The differences are as follows:

First, the interruption of social security payment mainly affects the endowment insurance and medical insurance of the insured.

1. According to the relevant regulations of Beijing, when the accumulated payment period of old-age insurance reaches 15, you can receive the old-age insurance normally; The old-age insurance in Beijing is based on the principle of "paying more and getting more". Because the time of social security interruption is not included in the length of service, the longer the interruption time, the less the payment amount, and the less the pension will eventually be received.

2. Medical insurance is different from endowment insurance, involving reimbursement of medical expenses, which is greatly affected by the interruption of payment. China's basic medical insurance is a "pay-as-you-go" system, that is to say, no matter how many years the insured person has paid continuously, once the payment is interrupted, he will no longer enjoy the medical insurance benefits during the period of interruption, and the medical expenses will not be reimbursed. In addition, men who have paid medical insurance for 25 years and women who have paid for 20 years can enjoy retirement medical treatment.

Second, the interruption of social security will also affect the purchase of houses by non-Beijing citizens in Beijing.

According to Beijing's purchase restriction policy, if a non-Beijing registered family applies for the qualification to purchase a house in Beijing by paying social security, it should pay social insurance in Beijing for 60 consecutive months from the last month of application, and the application month must be in a normal insurance state. Therefore, the interruption of social security will affect their qualifications and the payment will be invalid. Since 2012121218, the Beijing Municipal Commission of Housing and Urban-Rural Development has stipulated that the payment of social security will not be recognized in the qualification examination of house purchase.

In addition to old-age care and medical care, the other three risks depend on your own situation, and it is best to make up for them.

If you don't hand over the provident fund to the new unit, you can't make up for the interrupted months by yourself according to the standards of the original unit. The reason for this is the following：

1, the new unit does not give it, which means that the housing provident fund cannot be transferred to the unit or the centralized repository set up in the management center.

2. If it is, it can only be paid according to the monthly deposit amount of the new unit housing provident fund transferred from the housing provident fund. The deposit amount of housing provident fund is as follows:

(1) The monthly deposit amount of housing provident fund is approved and adjusted once a year.

② The monthly deposit of housing provident fund consists of two parts: the monthly deposit of employee housing provident fund and the monthly deposit of unit housing provident fund.

③ The monthly deposit amount of employee housing provident fund is the average monthly salary of employees multiplied by the deposit ratio of employee housing provident fund.

(4) The monthly deposit amount of unit housing provident fund is the average monthly salary of employees multiplied by the deposit ratio of unit housing provident fund.

Reference source:

"Beijing Housing Provident Fund Deposit Management Measures" _ Beijing Social Security Network

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