Do you have to pay medical insurance if you have five insurances?

You don't have to pay medical insurance if you have five insurances. You can't choose the new rural cooperative medical insurance for employees, and you can't enjoy the medical insurance for employees.

Employee social security includes: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, which is also the "five insurances". This is the compulsory insurance that enterprises must buy and the welfare that enterprises should enjoy. The new rural cooperative medical system is just a kind of social security, also known as residents' medical insurance.

Because the reimbursement ratio of medical insurance and rural cooperative is different, it is better to pay five insurances. Because of the low payment and low security of rural cooperative medical care, if you go to a municipal hospital for treatment, you can generally reimburse about 20%. Social security medical payment is high, and it can also be reimbursed about 60%.

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The employer must pay in accordance with the law, and if the unit fails to pay, it shall be punished by the social insurance administrative agency.

Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.

legal ground

Article 57 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate. Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration. The market supervision and management department, the civil affairs department and the organization management organ shall promptly inform the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly inform the social insurance agency of the birth, death, household registration, migration and cancellation of the individual.

Article 58 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.