What kind of old-age insurance is suitable for people without jobs?

Social insurance for urban and rural residents

If there is a unit, it will participate in social insurance for urban workers. There is no unit, it is an urban hukou, and it is best to participate in the insurance as a flexible employee. If not, participate in social insurance for urban and rural residents. When you are old, pension and medical insurance, like your half-daughter, are the basic guarantee and support for the rest of your life. Can be insured as a flexible employee, and can also pay social security for urban and rural residents. However, what needs to be known is that as a flexible employee, he can only pay the endowment insurance and medical insurance among the five insurances, and he also needs to bear all the expenses, but there is no way to pay the work injury insurance, maternity insurance and unemployment insurance himself. If it is social security for urban and rural residents, you only need to pay medical insurance for urban and rural residents and endowment insurance for urban and rural residents locally.

Legal basis:

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

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premium should be paid by the government during the payment period. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.