Can Shenzhen medical insurance and pension be paid separately?

1, if it is social security for urban workers, social security should be paid through the insured unit, then medical insurance and endowment insurance must be paid together and inseparable.

2. If flexible employees participate in social security, it is impossible to pay medical insurance and endowment insurance separately because they are tied together.

3. If urban and rural residents are insured by social security, they can be separated, and they can pay endowment insurance and medical insurance respectively, which means they can pay one of them separately.

Conditions for receiving old-age insurance

1, over 60 years of age, not enjoying the basic old-age insurance benefits for urban enterprise employees, and meeting one of the following conditions, the insured can apply for a pension;

2. For the insured who has reached the age of 15 at the time of receiving the pension, the accumulated payment shall not be less than 15 years;

3. For the insured who are under 15 years of age when receiving the pension, the cumulative payment period shall not be less than the period when these Measures are implemented;

4. The insured who has reached the age of 60 and chooses to pay for insurance can pay the payable amount 15 in one lump sum and receive a monthly pension. The insured person who chooses not to pay the fee and whose children meet the insurance conditions and have paid the fee can receive the basic pension on a monthly basis.

As can be seen from the above, according to the regulations, pension and medical insurance are carried out at the same time, and it is generally not allowed to purchase medical insurance separately; However, if both urban and rural residents are insured by social security, they can be separated.

Legal basis:

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

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Article 23

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.