Can endowment insurance and medical insurance be paid separately?

Endowment insurance and medical insurance can be paid separately.

First, the basic meaning and payment methods of endowment insurance and medical insurance

Endowment insurance is a social insurance system established to ensure the basic life of employees after retirement, and its payment is mainly borne by individuals and units. Medical insurance is a social insurance system established to ensure that citizens can get basic medical care when they are sick or injured, and its payment method also includes two parts: individual and unit payment.

In China, pension insurance and medical insurance are paid separately, and their management and operation are also the responsibility of different departments. Therefore, individuals can choose to pay fees in different places according to their actual situation.

Second, the feasibility and matters needing attention of the separation of the two places

In practice, individuals can choose to pay endowment insurance and medical insurance in different cities or regions according to factors such as work place and residence. For example, a person may work in one city and pay old-age insurance, while living in another city and paying medical insurance.

It should be noted that although pension insurance and medical insurance can be paid separately in two places, certain conditions may need to be met when enjoying relevant treatment. For example, medical insurance in some areas may require the insured to have a certain residence time or social security payment record in the local area in order to enjoy the relevant treatment. Therefore, when paying social security separately, you should know the relevant policies and regulations in advance to avoid obstacles to the enjoyment of benefits.

Third, individuals should plan their social security contributions reasonably.

It is very important for individuals to plan their social security contributions reasonably. On the one hand, we must ensure that our social security contributions comply with relevant policies and regulations to avoid missing or underpaying; On the other hand, we should also choose the social security payment scheme that suits us according to our actual situation and needs to protect our rights and interests.

To sum up:

Endowment insurance and medical insurance can be paid separately, but individuals need to pay attention to relevant policies and regulations and plan their social security payment plan reasonably when paying separately.

Legal basis:

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

Article 10 stipulates:

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

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.

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers 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.