Do you still need to pay medical insurance after paying five insurances and one gold?

You don't have to pay medical insurance if you pay five insurances and one gold.

Five insurances and one gold include social security, so you don't have to pay social security if you pay five insurances and one gold. Five insurances and one gold include basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and housing accumulation fund. The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration and pay social insurance premiums for employees.

Because the reimbursement ratio of medical insurance and rural cooperative is different, it is better to pay five insurances. Rural cooperative medical care has low payment and low security. 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%. Medical expenses are rising too fast. If economic conditions permit, it is best to go to social security medical care. The new rural cooperative medical system is referred to as the new rural cooperative medical system, which is organized, guided and supported by the government, voluntarily participated by farmers, raised by individuals, collectives and the government in various ways, and based on the overall planning of serious illness. If we want to cancel rural medical insurance, as long as we don't continue to pay it when we ask for it next year. Medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick.

Personal account of medical insurance is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for the out-of-pocket part of medical treatment and medicine purchase.

According to the laws of China:

Compulsory medical insurance, whether you pay five insurances and one gold or not. Five insurances and one fund refer to social insurance and housing accumulation fund, including endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and medical insurance is one of them. Although you have paid five insurances and one gold, you still need to pay additional medical insurance premiums. The purpose of medical insurance is to ensure that the insured can get a certain degree of reimbursement and compensation when medical expenses occur. Therefore, even if you have paid five insurances and one gold, you need to pay extra medical insurance fees to ensure your medical security and rights.

To sum up, in China's social insurance system, five insurances and one fund refer to endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. These insurances are jointly paid by employees and employers according to law, aiming at protecting employees' social security rights and interests.

Legal basis:

Insurance Law of People's Republic of China (PRC) (revised 20 15);

Chapter I General Provisions

Article 4

Engaged in insurance activities must abide by laws and administrative regulations, respect social morality, and shall not harm public interests.