How many years should I pay for the five insurances at least?

I. Endowment insurance

Endowment insurance is the most important of the five insurances, which is related to the life security of employees after retirement. According to the provisions of Article 16 of the Social Insurance Law of People's Republic of China (PRC), individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid for 15 years. Therefore, the endowment insurance must be paid for at least fifteen years.

Second, medical insurance.

Medical insurance is to ensure that employees can get timely medical treatment when they are sick or injured. Different regions may have different provisions on the payment period of medical insurance, but generally speaking, employees should continue to pay medical insurance to ensure that they can enjoy medical reimbursement when necessary.

Three, unemployment insurance, work injury insurance and maternity insurance

Unemployment insurance, industrial injury insurance and maternity insurance have relatively low requirements for payment period. These insurances are mainly set up to deal with specific risks, so the payment period is usually related to the actual work situation of employees and the policies and regulations in the region. Generally speaking, as long as employees continue to pay fees during their employment, they can enjoy corresponding insurance benefits.

To sum up:

There are different requirements for the payment period of the five insurances, but generally speaking, employees should continue to pay fees to ensure that they can enjoy the corresponding social insurance benefits when needed. Among them, the old-age insurance must be paid for fifteen years, and the payment period of medical insurance, unemployment insurance, work injury insurance and maternity insurance is related to the actual work situation of employees and the policies and regulations in the region.

Legal basis:

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

Article 16 stipulates:

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.