Is it cost-effective for individuals to pay five insurances themselves?

1, not many kinds. There are not as many types of insurance that individuals pay social security as there are types of insurance that enterprises pay social security. It will be two insurances less than the insurance paid by the enterprise. The first is unemployment insurance. Because you are an individual, there is no affiliated enterprise and no unemployment insurance, so there will be no work-related injury insurance.

2. The salary is unstable. Most people who choose to pay social security by themselves are flexible employees. Since they are flexible employees, it is difficult to have a stable salary. Once there is a problem with your income, no enterprise will help you pay most of the social security money, so it is difficult for individuals to bear this part of the money. Once social security is broken, it is very dangerous. Although you can pay, you won't be given time to calculate without paying social security. The condition of receiving social security is to meet the continuous payment of social security for 15 years, so it is difficult for individuals to pay social security on time for such a long time.

3. Retirement age. We know that the retirement age stipulated by the state is 60 for men, 55 for female cadres and 50 for female workers. That is, after you pay social security on time and meet the conditions of 15, female employees can receive retirement pension at the age of 50. But it is completely different for individuals to pay social security. Individuals can't get a pension until they are 60 years old, and they can't get a pension until ten years later. Moreover, compared with female employees, they get much less money, because female employees have enterprises to help pay social security.

4. Associated enterprises pay social security. Some individuals will choose to rely on an enterprise to pay social security for the simple reason that the types of social security paid by enterprises are more comprehensive. Although I still pay my own money and get more things, this situation is very illegal and belongs to insurance fraud. Once found, not only individuals will be punished, but also companies that help you pay social security in the name of the company will be punished. At the same time, all the insurance premiums you paid before are invalid and will not be returned to you. This is to set an example for others, and also to prevent someone from cheating on insurance, so no company will choose to help you, unless it is a very close company.

5. Too much pressure. The most important reason is that the pressure on individuals to pay social security will be very great. Even according to the minimum social security payment standard, the burden of one year is very large. If there is no enterprise to share this money, it will be difficult for individuals.