Can social security only pay medical insurance?

It is ok to pay only medical insurance for social security, but whether it is feasible depends on the actual situation.

In China's social insurance system, social security mainly includes pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. These five parts are independent of each other, and each part has its own payment and reimbursement rules. Therefore, it is theoretically feasible to pay only medical insurance, but whether it is feasible depends on the actual situation.

I. Composition of social security

Social security includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, among which endowment insurance and medical insurance are two main components. Old-age insurance aims to ensure the basic life of the insured after retirement, while medical insurance provides the insured with reimbursement of medical expenses.

Second, the feasibility of paying only medical insurance.

Only paying medical insurance is feasible in theory, but there will be some problems in practice. First of all, medical insurance is part of social security. Paying medical insurance only means that you can only enjoy the protection of medical insurance, and other aspects of protection will be lacking. For example, if you don't pay endowment insurance, you can't enjoy pension after retirement. Secondly, all parts of social security are interrelated, which sometimes affects the treatment of other parts. For example, if you don't pay old-age insurance when you pay medical insurance, it may affect your future pension benefits.

Third, the risk of choosing to pay only medical insurance.

Choosing to pay only the doctor keeps the risk. First of all, because medical insurance is a pay-as-you-go system, if the number of participants decreases, the income of medical insurance fund will decrease, which may lead to a decrease in the proportion of medical insurance reimbursement or a decrease in the scope of reimbursement. Secondly, if you only pay medical insurance, you will lack protection in other aspects, and you may face greater economic pressure in the event of an accident or illness.

To sum up:

It is theoretically feasible for social security to pay only medical insurance, but whether it is feasible depends on the actual situation. Choosing to pay only medical insurance is risky, because paying only medical insurance means that you can only enjoy some medical insurance coverage, and other aspects of protection will be lacking. Therefore, it is suggested that when paying social security, we should consider it comprehensively, and don't just pay attention to some of the protection and ignore other parts.

Legal basis:

Article 2 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in case of old age, illness, industrial injury, unemployment and maternity. "