Can employee medical insurance and social security be paid separately?

Medical insurance and social security cannot be paid separately, and social security itself includes medical insurance.

As a part of social security, medical insurance cannot be paid separately from social security. When employees join the company, the company must pay social security for them, including pension insurance, medical insurance, maternity insurance, work injury insurance and unemployment insurance.

Even if you pay social security as a flexible employee, social security also includes pension insurance and medical insurance, and you don't pay medical insurance separately.

If you need to buy a separate medical insurance, you can only go to an insurance company to insure commercial insurance. Commercial medical insurance can be purchased separately. Not only medical insurance, but also old-age insurance, and basic old-age insurance cannot be paid separately.

Social security is different from medical insurance. There are some differences between them as follows:

1, with different concepts. Social security card, namely social security card, is an IC card issued by human resources and social security departments in various places to handle various affairs of human resources and social security. Medical insurance card is a special card for personal account of medical financial insurance, which uses personal ID card as identification code and stores detailed information such as personal ID card number, name, gender, payment and account capital consumption.

2. Different functions. Social security card not only has the function of medical insurance card, but also is an important voucher for handling various social security affairs, such as receiving unemployment benefits. The medical insurance card is limited to the medical insurance function, which can only be used to enjoy medical insurance benefits and cannot be reimbursed;

3. Card issuers are different. The medical insurance card shall be borne by the local designated agent bank. It is a multifunctional debit card for banks. After the insured unit pays the fee, the local medical financial insurance operation department will entrust the personal account funds to the bank at the end of the month and transfer them to the personal medical insurance card of the insured employees. Social security cards are issued to the society by local human resources and social security departments;

4. Different security functions. The social security card has a strict key processing system and approval, and the safety factor is high. The medical insurance card has no such processing system, so the safety factor is low.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Regulations on Employees' Medical Insurance

Article 7 The basic medical insurance premium shall be paid jointly by the employer and the employees. Among them, the employer pays 5%-7% of the total monthly salary of its employees, and the rate of employees paying basic medical insurance premium is not less than 2% of their total monthly salary.

Article 8 The amount of employees' monthly wages is determined according to their actual total wages, but it shall not be less than 60% of the average monthly wages of employees in the city, county and autonomous county where they are located. The following medical insurance premiums that should be paid by themselves shall be paid by the employer.

Article 9 If the total monthly salary of employees exceeds 300% of the average monthly salary of employees in cities, counties and autonomous counties in the previous year, the basic medical insurance premium will not be paid, nor will it be used as the base for checking the amount of personal accounts.

Article 10 The employing unit must register the basic medical insurance with the social insurance agency within 30 days from the date of obtaining the business license or being approved for establishment. When the registered items change or the payment obligation is terminated according to law, the registration shall be changed or cancelled in time. The social insurance agency shall promptly notify the tax authorities of the registration.

The employing unit shall, within 10 days after going through the basic medical insurance registration formalities, go to the tax collection authority to pay and register the basic medical insurance premium in accordance with relevant regulations.