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Can the unit buy social security instead of medical insurance?
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units. 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, pension insurance, medical insurance and unemployment insurance, housing accumulation fund are paid by enterprises and individuals, and industrial injury insurance and maternity insurance are entirely borne by enterprises, and employees do not need to pay. It should be noted that the "five risks" 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.
Legal basis: Article 4 of the Social Insurance Law of People's Republic of China (PRC) * * * Employers and individuals in People's Republic of China (PRC) 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.
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