Can individual industrial and commercial households pay employee medical insurance?

Individual industrial and commercial households can participate in medical insurance.

Individual industrial and commercial households can pay social security for employees, and individual industrial and commercial households without employees can directly apply to the social insurance premium collection agency to pay social insurance premiums themselves, but they can only pay basic old-age insurance premiums and basic medical insurance premiums. Individual industrial and commercial households shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for their employees.

First, the social security process of individual operators.

If a self-employed person purchases from the whole enterprise, he/she shall go through the relevant social security registration in time and apply for social insurance at the social security department. Individual industrial and commercial households need to bring the following documents to the local social security bureau for social insurance.

1, business license;

2. My ID card;

3. Go to the information office of the registered unit of the Social Security Bureau where the license is located to guarantee the agency;

4. Take out social insurance for yourself.

Registration place: The social insurance agency where the unit is located shall submit the following materials when registering:

1, social insurance registration form (in triplicate);

2. The business registration certificate, business license, legal person code certificate and resident identity card (photocopy) of the legal representative or person in charge;

3. Local tax registration certificate and organization uniform code certificate;

4, "to participate in the basic old-age insurance for enterprise employees on-the-job workers increase or decrease declaration form";

5 proof of the establishment of labor relations between employees and units.

Second, the main differences between social insurance and commercial insurance

1, achieving different purposes. Social security is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit;

2, the implementation is different. Social insurance is compulsory according to national legislation, while commercial insurance follows the principle of "freedom of contract" and is voluntarily insured by enterprises and individuals;

3. The subject and object of implementation are different. Social insurance is raised, managed and distributed by special institutions set up by the state, targeting social members within the legal scope; Commercial insurance is managed by insurance companies, and the applicant can be anyone who meets the underwriting conditions;

4. Different protection levels. Social insurance provides the most basic protection for the insured, which is higher than the social poverty line and lower than 50% of the average social wage, with a low degree of protection; The level of protection provided by commercial insurance depends entirely on the agreement of both parties and the amount of premium paid by the insured. As long as the insured meets the insurance conditions and has a certain ability to pay, he can get a high level of protection.

I hope the above contents are helpful to you. If in doubt, you can consult a professional lawyer.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).

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