Can I buy several insurance items separately?

The state stipulates that five insurances and one gold must be purchased by the unit, and it is not allowed to buy separately, so they are basically purchased together and are not allowed to buy separately. However, social security individuals can only pay three insurances, and the "five insurances" are legal. Therefore, the insured units must pay the endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance in full and on time, and it is illegal to default, conceal or refuse to pay. Therefore, for the five insurances, one of them cannot be paid separately.

At present, what we generally call "five insurances and one gold" refers to several kinds of security benefits granted to workers by employers. "Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance (including serious illness insurance), industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance, housing accumulation fund is the premium paid by enterprises and individuals, and industrial injury insurance and maternity insurance are entirely borne by enterprises, and employees do not need to pay. The "five insurances" are legal, so the insured units must pay the endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance in full and on time, and any default, concealment or refusal to pay them is illegal. Therefore, for the five insurances, one of them cannot be paid separately.

At present, the state has not defined the payment of "one gold" by laws and regulations, but only by local administrative regulations or local regulations of provinces, municipalities and autonomous regions. Some provinces and cities have mandatory regulations and punishment measures, but in areas where there are no mandatory regulations, whether to pay housing provident fund depends largely on the benefits and integrity of employers.

The law stipulates that social security is compulsory, and the provident fund is paid selectively according to the company's situation.

Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them.

It should be noted that "five risks" are legal, but "one gold" is not. However, starting from 20 13, many places began to include provident fund in the scope of compulsory payment.

legal ground

Article 37 of the Regulations on the Management of Housing Provident Fund, in violation of the provisions of these regulations, if the unit fails to register the deposit of housing provident fund or fails to handle the procedures for the establishment of housing provident fund accounts for employees, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.

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

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and 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.

Tenth employees should participate in the basic old-age insurance, the basic old-age insurance premiums paid by the employer and employees.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, while employees shall not pay the work-related injury insurance premium. Article 44 Employees shall participate in unemployment insurance, and employers and employees shall jointly pay unemployment insurance premiums in accordance with state regulations.

Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.