Does the social security paid by individuals at their own expense include medical insurance?

I the relationship between social security and medical insurance

In China, social security usually includes five parts: endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. These insurance projects are isomorphic to China's social security system, providing all-round risk protection for workers. Among them, medical insurance is the most critical part of social security, because it is directly related to everyone's life safety and health.

Second, the situation of individuals paying social security at their own expense.

Individuals pay social security at their own expense, which generally means that individuals voluntarily choose to participate in social security and pay related fees when no work unit or work unit fails to pay social security for them. In this case, individuals usually need to pay their own social security fees, including medical insurance, in accordance with the regulations of the local social security department.

Third, medical insurance is included in self-funded social security.

The medical insurance paid by individuals at their own expense and included in social security usually has the same coverage and treatment as the medical insurance paid by the unit. This means that when the self-funded insured person is sick or injured, he can enjoy the same medical expenses reimbursement and medical services as the unit insured person. Specifically, medical insurance can reimburse the medical expenses incurred by the insured in designated medical institutions, including outpatient service, hospitalization, medicine taking, examination and other expenses.

Fourth, matters needing attention of self-funded social security

Although individuals can enjoy all kinds of protection including medical insurance by paying social insurance at their own expense, the insured should pay attention to the following points when choosing to participate in insurance at their own expense: First, ensure that they meet the conditions of the local social security department; Secondly, it is necessary to understand the payment standards and coverage of social security; Finally, we should pay social security fees in full and on time, so as not to affect our social security rights.

To sum up, the social security paid by individuals at their own expense usually includes medical insurance to provide medical security for the insured. Insured people should pay attention to relevant policies and regulations when choosing to participate in insurance at their own expense to ensure their rights and interests are protected. At the same time, we should also recognize the importance of social security, actively participate in the construction of social security system and build a more harmonious and stable society.

Legal basis:

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

Article 23 provides that:

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.

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

Article 24 provides that:

The state establishes and improves the new rural cooperative medical system.

Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.