The difference between individual insured and flexible employees

The main difference between individual insured and flexible employees lies in the way of insurance and social security benefits. Individual insured persons usually refer to those who participate in social insurance in their own name, while flexible employees refer to those who are employed in the form of part-time, temporary, seasonal and flexible work.

First, the way to participate in insurance

Individual insured persons usually participate in social insurance as individuals and need to bear all social security expenses, including endowment insurance, medical insurance and unemployment insurance. Flexible employees can sign a flexible employment contract with the employer, and the employer will pay part of the social security expenses on their behalf, and individuals also need to bear part of the expenses.

Second, social security benefits.

Due to the different ways of participating in insurance, the social security benefits enjoyed by individuals and flexible employees are also different. Individual insured persons usually need to pay higher social security fees themselves, but after reaching the statutory retirement age, they can enjoy the same old-age insurance benefits as employees. However, due to the low payment ratio, flexible employees may enjoy lower pension insurance benefits. In addition, there may be differences between medical insurance and unemployment insurance.

Third, other differences.

In addition to insurance methods and social security benefits, there may be other differences between individual insured and flexible employees. For example, individual insured persons usually need to go through social security procedures themselves, while flexible employees may be handled by employers on their behalf. In addition, there may be differences in labor relations and labor protection.

To sum up, the main difference between individual insurance and flexible employment lies in the way of insurance and social security benefits. Individual insured persons need to bear all social security expenses when they participate in insurance as individuals, but enjoy the same pension insurance benefits as employees; However, employees with flexible employment sign flexible employment contracts with employers, and employers and individuals share the social security expenses, so they may enjoy lower social security benefits. In addition, there may be differences between them in labor relations and labor protection.

Legal basis:

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

Article 10 stipulates:

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.